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The 10% Super Guarantee

The super guarantee (SG) is a payment that your employer is legally required to make to all eligible employees, into a complying super fund.
  • Superannuation is an extra 10% on top of your wages
  • Employers are legally required to make super guarantee payments
  • Super guarantee payments must be paid by the quarterly deadlines
As an employee, you are entitled to receive SG payments from your employer if you earn more than $450 or more (before tax) in any month.
If you are under 18, you will need to earn over $450 in any month and work over 30 hours a week.
Use the ATO’s tool to find out if you are entitled to super.

How much super should I be paid?

From 1 July 2021, the super guarantee is 10% of your ordinary time earnings (overtime is excluded).
The super guarantee is expected to increase to 12% by the 2025/26 financial year.
For example: If you are over 18 and earn $1,000 in a month, your super guarantee contribution will be $100. This is paid into your super account by your employer.

When do I get paid super?

Employers can determine the frequency of when they make super guarantee payments. However, it is mandatory that they make payments at least once a quarter.
The SG deadlines are:
Work periodSuper guarantee pay day
MTWTFSS
1 July - 30 Sept
28 Oct
1 Oct - 31 Dec
1 Jan - 31 Mar
1 Apr - 30 June
Work periodSuper guarantee pay day
MTWTFSS
1 July - 30 Sept28 Oct
1 Oct - 31 Dec28 Jan
1 Jan - 31 Mar28 Apr
1 Apr - 30 June28 July
For example, if you worked between 1 July and 30 September and were eligible for super, your employer has until the 28 October to make your super guarantee payment into your super fund account.
The payment can take 1-2 business days to process, so allow a few days to pass before you check your transaction history.
As each employer could be different, you ask how frequently they make their SG payments.
Cruelty Free Super members receive a notification each time a SG payment is received into their account. This means they can keep on top of their super and follow up with their employer if a payment has been missed.

Why do I see super on my payslip and not in my account?

Employers are required to set aside the super you’ve earned – this is the amount you see on your payslip. Just because it’s on your payslip does not necessarily mean it’s been paid. Your employer can wait until the quarterly deadline to make the payment.
For example, if your weekly payslip for the 20 July shows $200 for super, your employer can hold onto this money until the 28 October to make the actual payment into your super account. So, you will only see this in your super account after the payment has been made.

What can I do if my employer is not paying me super?

If you are eligible for super and your employer does not make super payments, they are breaking the law.
Here’s the steps you can take;
  1. Double check that you are eligible for super. Use the ATO’s tool.
  2. Login and check your super account. For Cruelty Free Super members, you’ll find this under Transactions.
  3. Ask your employer to explain how your super is being calculated and when they process super payments.
  4. Check that your employer is paying your super into the correct super fund. If you have nominated Cruelty Free Super, you can give them your pre-filled super form.
If you cannot come to a resolution or your employer has not paid you super, you can report them to the ATO.

Can I nominate any super fund for my super guarantee?

Most Australians have the right to choose their super fund, there are exceptions in certain industries linked to specific awards. The FairWork Ombudsman has information about super and industry awards here.
Speak to your employer about nominating your super fund. You can nominate a fund by providing your employer with a super choice form. For Cruelty Free Super members, you can email yourself a pre-filled super choice form by logging in and going to “Tell Your Employer”.

Can I make my own super payments into my account?

Yes. You can make contributions to your super account at any time, whether you are working or not.
If you aren’t currently working or if you are self-employed, you can still open a super account to make personal contributions. Read more about personal contributions.

‘Stapling’ your super

Stapling comes into effect on 1 November 2021. This means your existing super fund will automatically follow you when you change jobs.
This reform aims to stop multiple accounts from being created each time you switch jobs. If Cruelty Free Super is your ‘stapled’ fund, it means your super won’t be funding cruel and inhumane practices.
Depending on your situation, stapling will affect you differently;
A. If you already have a super fund
Each time you start a new job, your employer can look up your account with the ATO and assign the super fund that has been stapled to you.

  • If you only have one fund, the ATO will choose that fund to be your stapled fund.
  • If you have more than one fund, the ATO will determine your stapled fund based on a set of rules.
The best way to know which fund your super is being paid into, is to provide your employer with your pre-filled super nomination form.
B. If you don’t have a super fund 

You will need join a super fund first, then ask your employer to pay into this fund. If you don’t nominate a fund by the SG deadline, your employer will create a new account with their default fund.

C. If you recently joined a new super fund
You will need to tell your employer the details of your new fund. You can hand in a pre-filled super nomination form or complete the ATO choice form.
You can request to change super funds at any time.

How much super should I be paid?

From 1 July 2021, the super guarantee is 10% of your ordinary time earnings (overtime is excluded).
The super guarantee is expected to increase to 12% by the 2025/26 financial year.
For example: If you are over 18 and earn $1,000 in a month, your super guarantee contribution will be $100. This is paid into your super account by your employer.

When do I get paid super?

Why do I see super on my payslip and not in my account?

Employers are required to set aside the super you’ve earned – this is the amount you see on your payslip. Just because it’s on your payslip does not necessarily mean it’s been paid. Your employer can wait until the quarterly deadline to make the payment.
For example, if your weekly payslip for the 20 July shows $200 for super, your employer can hold onto this money until the 28 October to make the actual payment into your super account. So, you will only see this in your super account after the payment has been made.

What can I do if my employer is not paying me super?

If you are eligible for super and your employer does not make super payments, they are breaking the law.
Here’s the steps you can take;
  1. Double check that you are eligible for super. Use the ATO’s tool.
  2. Login and check your super account. For Cruelty Free Super members, you’ll find this under Transactions.
  3. Ask your employer to explain how your super is being calculated and when they process super payments.
  4. Check that your employer is paying your super into the correct super fund. If you have nominated Cruelty Free Super, you can give them your pre-filled super form.
If you cannot come to a resolution or your employer has not paid you super, you can report them to the ATO.

Can I nominate any super fund for my super guarantee?

Most Australians have the right to choose their super fund, there are exceptions in certain industries linked to specific awards. The FairWork Ombudsman has information about super and industry awards here.
Speak to your employer about nominating your super fund. You can nominate a fund by providing your employer with a super choice form. For Cruelty Free Super members, you can email yourself a pre-filled super choice form by logging in and going to “Tell Your Employer”.

Can I make my own super payments into my account?

Yes. You can make contributions to your super account at any time, whether you are working or not.
If you aren’t currently working or if you are self-employed, you can still open a super account to make personal contributions. Read more about personal contributions.