The super guarantee increased from 11.5% to 12% on 1 July

From 1 July 2025, the superannuation guarantee (SG) rate – that’s the percentage of your earnings your employer pays into your super – increased from 11.5% to 12%.

What does that mean for me?

If you’re in the workforce and you’re earning the same salary as last year, you’re now getting more money paid into your super account, without lifting a finger. It’s a small change today, but over time, that extra 0.5% can make a real difference to your balance.

How much extra am I getting per year? Here are two examples: 

That extra amount could grow significantly over time thanks to investment returns and compounding.

Why is the rate now set to stay at 12%?

The Australian Government introduced gradual SG increases to help Australians save more for their retirement. Now that it’s reached 12%, the SG rate is set to stay at this level – it’s not scheduled to rise again (at least for now).

Want to boost your super even further?

While the SG rate won’t increase again under current legislation, you still have the power to grow your super further. Even small, regular contributions can add up over time and make a big difference to your retirement lifestyle.

Two popular options for growing super:

• • • Salary sacrificing a small portion of your pay before tax. Learn more>
    • Making personal after-tax contributions (which may even make you eligible for a Government co-contribution). Learn more>

Want to get an estimate of your balance at retirement? Now’s as good a time as any to try our Retirement Income Calculator.