Home / How super works / Employers guide to super / Employee super contributions for the self-employed and micro businesses

Employee super contributions for the self-employed and micro businesses

For most businesses, managing employee super is simply a matter of learning the rules around the Superannuation Guarantee (SG) and making the right contributions for your employees.

But if you’re self-employed, in a partnership or running a small business that’s not incorporated, you need to take a closer look at your super arrangements.

Even if the rules don’t require you to make super contributions, it’s important to think about how you will fund your retirement when the time comes and whether the tax deductions make contributing worthwhile.

Managing employee super

1. Company structure

If you’re self-employed but operate your business under a company or incorporated structure, each quarter you are required to pay the normal SG contribution for any eligible employees – including yourself.

Join SuperGuide to continue

Take control of your super

Save tax and boost your super so you can enjoy a much better retirement
  • Step-by-step guides
  • Up-to-date super rules
  • Tips and strategies
  • Checklists and how-to guides
  • Calculators and quizzes
  • Case studies and Q&As
  • Best performing super and pension funds
  • Monthly webinars and newsletters

Find out more

About the author

Related topics,

IMPORTANT: All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions. Comments provided by readers that may include information relating to tax, superannuation or other rules cannot be relied upon as advice. SuperGuide does not verify the information provided within comments from readers. Learn more

© Copyright SuperGuide 2008-25. Copyright for this guide belongs to SuperGuide Pty Ltd, and cannot be reproduced without express and specific consent. Learn more

Leave a Reply