How to Check Your Employer Is Paying Super (Step-by-Step via myGov)
Not sure if your boss is paying your super? Here's exactly how to check through myGov and ATO online services, plus what to do if contributions are missing.
Step 1: Log in to myGov and link the ATO
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 will need a Digital ID (myID is recommended for security). Once logged in, link the Australian Taxation Office to your myGov account if you have not 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.
Step 2: Check your employer contributions
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.
Step 3: Check your fund directly
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.
What to do if super is missing or short
If you find missing or underpaid contributions, take these steps in order. First, raise it with your employer in writing (email is fine). Ask them to confirm the amount of super paid and to which fund. Give them a specific deadline to respond (14 days is reasonable). Many underpayments are genuine errors in payroll processing and can be resolved quickly. Second, if your employer does not respond, does not 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. Third, 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 is not tax-deductible for the employer, which makes it significantly more expensive than just paying on time. There is no time limit on how far back you can claim — the ATO can recover unpaid super from 1 July 1992 onward.
Red flags that your employer might not be paying super
Watch for these warning signs: your payslip shows a super amount but your fund balance is not increasing; your employer says they pay super annually instead of quarterly (this is not permitted — the minimum is quarterly, and from July 2026 it is every pay run); you are told you do not 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 are actually an employee; or your employer offers to pay you extra in cash instead of super. If you are 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 are not eligible, they are likely wrong.
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General information and estimates only — not legal, financial, or tax advice. Always verify with the Fair Work Ombudsman (13 13 94) or a qualified professional.
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