How to Check Your Employer Is Paying Super (Step-by-Step via myGov)

The easiest way to check your super contributions is through myGov linked to the ATO. Go to my.gov.au and sign in (or create an account if you do not have one). You'll need a Digital ID (myID is recommended for security).

Once logged in, link the Australian Taxation Office to your myGov account if you haven't already — you will need details from a recent tax return or payment summary to verify your identity. Once linked, select Australian Taxation Office from your myGov dashboard.

This gives you access to your complete super information across all funds, not just the one your current employer pays into.

In ATO online services, select Super from the top menu, then Information, then Employer contributions. This shows the total year-to-date employer super contributions reported by all your employers. You can select different financial years to compare.

The data here comes directly from your super fund(s) reporting to the ATO, so it is the most reliable source. Compare the amount shown to what you expect: take your total ordinary time earnings for the period and multiply by 12% (the current SG rate).

If the number is significantly lower, there may be missing contributions. Note that there is typically a lag of 1-3 months because employers pay super quarterly (by the 28th of the month after the quarter ends) and funds take time to report to the ATO.

Log in to your super fund's website or app for more granular detail. Most funds show individual contributions by date and amount, letting you see exactly when your employer paid and how much. This is more current than the ATO view.

Check that contributions are arriving within the quarterly deadlines: Q1 (July-September) due 28 October, Q2 (October-December) due 28 January, Q3 (January-March) due 28 April, Q4 (April-June) due 28 July. From 1 July 2026 under Payday Super, contributions must arrive within 7 business days of each pay run — making it much easier to spot missing payments.

If you cannot find your fund login details, the ATO online services page also shows Fund details under the Super menu, listing all super accounts held in your name including the fund name and contact details.

If you find missing or underpaid contributions, take these steps in order.

Give them a specific deadline to respond (14 days is reasonable). Many underpayments are genuine errors in payroll processing and can be resolved quickly.

If you find missing or underpaid contributions, take these steps in order.

• raise it with your employer in writing (email is fine). Ask them to confirm the amount of super paid and to which fund
• if your employer does not respond, doesn't fix it, or disputes the amount, report it to the ATO using the online form at ato.gov.au (search for 'report unpaid super'). You can report anonymously if you prefer. The ATO will investigate and can compel the employer to pay
• the employer will owe the Super Guarantee Charge (SGC): the shortfall amount calculated on total salary and wages (not just OTE), plus 10% per annum nominal interest from the start of the relevant quarter, plus a $20 administration fee per employee per quarter

The SGC isn't tax-deductible for the employer, which makes it significantly more expensive than just paying on time. There's no time limit on how far back you can claim — the ATO can recover unpaid super from 1 July 1992 onward. Keep records.

Watch for these warning signs: your payslip shows a super amount but your fund balance isn't increasing; your employer says they pay super annually instead of quarterly (this isn't permitted — the minimum is quarterly, and from July 2026 it is every pay run); you're told you don't qualify for super (almost all employees qualify, including part-timers, casuals, and workers under 18 who work more than 30 hours per week); your employer asks you to invoice them as a contractor when you're actually an employee; or your employer offers to pay you extra in cash instead of super. If you're a casual or part-time worker, you are entitled to super on every dollar of ordinary time earnings with no minimum earnings threshold (the old $450 per month threshold was removed from 1 July 2022). If your employer claims you're not eligible, they're likely wrong.