Most employers pay the superannuation guarantee (SG) rate of 11.5% to your super. But with some employers, they may pay you more if you contribute a set amount yourself.

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Not sure about your contributions? Check your super arrangements with your employer.

Benefits of increasing your employee super contributions

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Grow your super

Increasing the rate of super you contribute creates a big difference to how much you end up with over time.

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Get a matching increase

Your employer may add more money to your super depending on how much you add.

How much extra super can I get?

Queensland Government employees

Many Queensland Government employers have changed their super arrangements from 1 July 2023. For those not affected, here's how it works.

Standard (member) contributions are an employment arrangement for some Queensland Government employers and related entities.

If you work for these employers, you can generally make standard contributions of between 2-5% to your super.

You still have to make these contributions if you have a Defined Benefit account. Even if you work for an employer who's changed their super arrangements.

Increasing your standard member contributions will increase your employer's contributions. Your standard contribution rate depends on your account type (see below).

Accumulation account

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You pay Employer pays1
2% 9.75%
3% 10.75%
4% 11.75%
5% 12.75%

Other employees

Employers are usually only required to pay super at the compulsory minimum rate of 11.5%. But some employers pay super at a higher rate, or they pay more if you make extra super contributions yourself. If you're unsure what your employer offers, check with your payroll office.

If you're a police officer and have a Defined Benefit account, find out more about your Police account type.

There are also other ways you can grow your super on top of contributions from your employer.

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Super Projection Calculator

See the impact that adding extra standard contributions could make to your super.

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How to maximise your employer super contributions

If you're not already contributing the maximum in standard contributions, and you work for an employer that offers this, you can get your employer to pay more by increasing your contributions.

If they do, you can increase your standard contributions in two ways:

After-tax contributions

To start or increase your standard contributions if you're a Queensland Government employee, download and complete this form (pdf). Then give it to your payroll office.

Making after-tax contributions can also mean you get the government's super co-contribution if you earn less than $60,400 a year.

Salary sacrifice

Another way you could increase your standard contributions is via salary sacrifice, which can be tax-effective depending on how much you earn. To set this up, please contact your payroll office or salary sacrifice provider directly.

Other ways to grow your super

Discover more ways you can add to your super, such as other contribution types. Or find out ways to claim a benefit, such as a tax deduction or the government co-contribution.

Find out more

FAQs about employee and employer contributions to super

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Do you know how much you're getting?

Check how much super you're paying – and getting paid – in the QSuper app or Member Online.

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