Question 1

What is the Superannuation Guarantee in Australia?

Accepted Answer

The Superannuation Guarantee (SG) requires employers to contribute a percentage of an employee's ordinary time earnings to a compliant super fund. The rate has been progressively increasing and is set at 12% as of July 2025. While it is an employer obligation (not deducted from wages), it must be shown on the payslip. Employees may also make voluntary salary sacrifice contributions to super.

Question 2

How does PAYG withholding work on Australian payslips?

Accepted Answer

PAYG (Pay As You Go) withholding is the system by which employers deduct income tax from employee wages each pay period and remit it to the ATO. The amount withheld is based on ATO tax tables, the employee's Tax File Number declaration, and their residency status. The payslip must show the gross payment and the amount of PAYG tax withheld.

Question 3

What is HECS-HELP and how does it appear on an Australian payslip?

Accepted Answer

HECS-HELP is Australia's student loan system for higher education. Repayments are compulsory once taxable income exceeds the minimum repayment threshold (approximately AUD 54,435 for 2024-25). Repayment rates are progressive, ranging from 1% to 10% of total income. Employers withhold these amounts through the PAYG system when an employee has indicated a HELP debt on their TFN declaration.

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