Free tool
Payday Super readiness
From 1 July 2026, SG must reach the employee's super fund within 7 business days of each pay event. Quarterly cycles end. SGC plus nominal interest accrues per pay if you miss. This checker scores your readiness across payroll, clearing house and reconciliation.
Significant uplift needed — start now
Gaps
- Upgrade to an STP Phase 2-capable payroll system that supports per-pay SG calc.
- Engage a super clearing house (SBSCH if eligible, or commercial) to fan out per-pay contributions.
- Embed super stapling at onboarding (request stapled fund from ATO for new starters with no fund nominated).
- Reconcile SG calc + remittance every pay cycle (not just quarter-end). QE base from 1 July 2026 broadens the base vs OTE.
- Track 7-business-day fund receipt deadline; any miss now triggers SGC + nominal interest accrual within the pay cycle.
Next actions
- Calendar a dry-run for Q1 2026 using mock pay cycles.
- Confirm clearing house turnaround (must be inside 7 business days after pay event).
- Update employee letters: super now paid each pay event, not quarterly.
- Brief finance: cash flow from quarterly to per-pay; super payable accrual changes.
- Update payroll service provider SLAs to include payday super readiness deliverables.
Sources
Reference tool — not legal advice. Results are general information based on published Australian regulatory sources. Industry-specific or sector-licensed obligations may apply on top of what this tool returns. Always verify with the primary source linked in your result, or a qualified professional, before acting.
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