Question 1

What is the superannuation rate in Australia for 2025-26?

Accepted Answer

The Superannuation Guarantee (SG) rate is 12% for FY 2025-26, up from 11.5% in FY 2024-25. This is the legislated final rate and will remain at 12% going forward.

Question 2

Can I access my superannuation early?

Accepted Answer

Generally no. Super is preserved until you reach your preservation age (60 for most people born after 1964) and retire. Limited early access is available under specific hardship or compassionate grounds.

Question 3

What are the concessional contribution limits for super?

Accepted Answer

The concessional (pre-tax) contribution cap is $30,000 per year for FY 2025-26. This includes your employer's SGC contributions plus any salary sacrifice amounts.

Question 4

How much super will I have at retirement?

Accepted Answer

It depends on your current balance, salary, years to retirement, and investment returns. As a rough guide, an average earner ($80,000/yr) starting with $50,000 in super at age 35 could accumulate around $500,000–$700,000 by age 67, assuming 7% annual returns. Use our superannuation calculator for a personalised estimate.

Question 5

What is salary sacrifice into superannuation?

Accepted Answer

Salary sacrifice is when you ask your employer to contribute extra pre-tax salary into your super fund. These contributions are taxed at only 15% (concessional tax rate) instead of your marginal rate — saving you tax if you're in the 30%+ bracket. The total concessional cap (including employer SGC) is $30,000 per year for FY 2025-26.

Question 6

What is the superannuation guarantee rate for FY 2025-26?

Accepted Answer

The Superannuation Guarantee (SG) rate for FY 2025-26 is 12%. This means your employer must contribute 12% of your ordinary time earnings into your super fund. The rate was legislated to remain at 12% from 1 July 2025 onwards.

Question 7

What is the concessional contributions cap for 2025-26?

Accepted Answer

The concessional contributions cap for FY 2025-26 is $30,000. This includes employer contributions (SG) and any salary sacrifice amounts. If you exceed this cap, the excess is included in your assessable income and taxed at your marginal rate (plus a charge).

Question 8

What is the non-concessional contributions cap?

Accepted Answer

The non-concessional (after-tax) contributions cap for FY 2025-26 is $120,000 per year. If your total super balance is below $1.9 million, you can also use the bring-forward rule to contribute up to $360,000 over three years. Exceeding the cap results in penalty tax.

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