From 1 July 2025, the Superannuation Guarantee (SG) — the percentage of your wages your employer must pay into your super fund — has officially increased from 11.5% to 12%.

It may not sound like much, but that small jump means thousands more for your retirement thanks to compound growth. Let’s break it down.

How Much More Super You’ll Get

Here’s what the increase looks like in real dollar terms:

Long-Term Impact

• A worker on $100,000 could retire with $125,000 more in super, just from this increase.
• On a $75,000 salary, you might see around $20,000 extra by retirement.
• That’s money you don’t even have to save yourself — it comes straight from your employer contributions.

Annual Super Contributions (Old vs New Rate)

(Visual idea for your blog — bar chart with two bars per income group: old 11.5% vs new 12%.)

💰 For $75K: jumps from $8,625 ➝ $9,000

💰 💰 For $90K: jumps from $10,350 ➝ $10,800

💰 💰 💰 For $125K: jumps from $14,375 ➝ $15,000

This makes the 0.5% increase crystal clear at a glance.

Other 2025 Super Changes

📊Transfer Balance Cap: lifted from $1.9M ➝ $2M (more tax-free retirement savings room).

🔮 Contribution Caps: unchanged at $30,000 (concessional, before-tax) and $120,000 (non-concessional, after-tax).

Takeaway

This is the final step in Australia’s superannuation guarantee journey to 12%.
For workers, it means:

• More employer contributions without lifting a finger.
• More compound growth in your super balance.
• A smoother path to a stronger retirement.

That extra 0.5% might feel small now, but it’s your future self who’ll be thanking you.