Payday Super Calculator ← All Tools
⚠️ NEW LAW — EFFECTIVE 1 JULY 2026

Payday Super Cash Flow Calculator

From 1 July 2026, employers must pay super within 7 days of each pay run — not quarterly. Calculate the cash flow impact on your business before it hits. Treasury Laws Amendment 2024

days until Payday Super takes effect (1 July 2026)
Your Business
$
12.0%
SG rate is 12% from 1 July 2025 onwards
Current Quarter Status
wks
How many weeks of this quarter's super haven't been paid yet (max 13)
Annual Obligation
total super per year
Quarterly (old)
Per Fortnight (new)
Transition Impact
CASH FLOAT YOU'LL LOSE ON 1 JULY
currently sitting as accrued super liability
Enter your details to see the transition impact.
Annual Super
total liability / yr
Old Quarterly Lump
paid 4× per year
New Per-Fortnight
due within 7 days
Float Lost
one-off Jul 2026 hit
Monthly Set-Aside
to stay ahead
Weekly Super Cost
ongoing cash need
Before vs After — Payment Timeline
OLD SYSTEM (Quarterly)
Week 1–13: Accrue
Super builds up as a liability on your books. Cash stays in your account.
Jan 28 / Apr 28 / Jul 28 / Oct 28
Quarterly lump sum due. hits your account at once.
Late payment penalty
SGC applies — 10% pa + admin fees if missed.
NEW SYSTEM (Payday Super — from 1 Jul 2026)
Each payday
Super calculated automatically per pay run.
Within 7 days
must clear your employees' super funds.
Missed 7-day window
ATO penalties — SG charge + interest + potential court action.
Your Action Plan
⚠️ The Transition Shock
✅ Start Preparing Now
Recommended Steps
  • 1Open a dedicated super reserve account — ring-fence super from operating cash today.
  • 2Set up automatic transfer each payday: into the reserve.
  • 3Review your payroll software — confirm it supports automated Payday Super payments by June 2026.
  • 4Check your Q4 super (Apr–Jun 2026) is paid by 28 July 2026 under the old rules, before new rules kick in simultaneously.
  • 5Talk to your accountant about updating cash flow forecasts for FY27 — this changes your working capital model.
Cash Flow Visualisation — Month by Month
Old quarterly accrual New payday super (outflow)
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