Payday Super Readiness Checker
Assess how ready your business is for the Payday Super changes starting 1 July 2026. Get a readiness score and action plan based on your current payroll setup.
Payday Super Readiness Checker
Assess how ready your business is for the Payday Super changes starting 1 July 2026. Get a readiness score and action plan based on your current payroll setup.
About This Tool
Assess how ready your business is for the Payday Super changes starting 1 July 2026. Get a readiness score and action plan based on your current payroll setup.
Payday Super is the most significant change to superannuation payment obligations since the Superannuation Guarantee was introduced in 1992. From 1 July 2026, employers must pay superannuation contributions on or before the same day they pay employees' salary and wages. This replaces the current system where super is due within 28 days after the end of each quarter, dramatically increasing payment frequency.
Why This Matters for Australian Businesses
The shift from quarterly to per-pay-period super payments will require changes to payroll processes, cash flow planning, and software systems for most Australian businesses. Employers who currently pay super quarterly will need to increase payment frequency from 4 times per year to 26 times (fortnightly pay) or 52 times (weekly pay). Businesses that fail to comply face the Super Guarantee Charge, calculated per missed payday rather than per quarter, potentially resulting in higher cumulative penalties.
How to Use This Tool
- Select your current payroll software to check its Payday Super readiness
- Enter your pay frequency to see how many super payments you will make annually under the new rules
- Indicate your current super payment method — clearing house, direct, or payroll-integrated
- Enter your employee count and current super timing
- Receive a readiness score and personalised action plan for the transition
Key Rules & Thresholds
- Payday Super takes effect from 1 July 2026 — affecting all employers in Australia
- Super must be paid on or before the employee's payday, not within 28 days after quarter end
- The Super Guarantee Charge will apply per missed payday instead of per quarter
- Major payroll providers (Xero, MYOB, KeyPay, Employment Hero) are updating their systems for Payday Super
- Clearing houses and super funds must process contributions faster under the new rules
- Employers currently paying super quarterly should begin adjusting cash flow now for more frequent payments
How Results Are Calculated
This calculator uses the latest published rates and thresholds for the 2025–26 financial year. Results are estimates only — always verify with the relevant authority before making financial decisions.