When does Payday Super start in Australia?

1 July 2026. From that date, employers must ensure super contributions are received by your fund within 7 business days of each payday. The current quarterly schedule (28 Oct, 28 Jan, 28 Apr, 28 Jul) ends.

How much super will I get per pay?

Your super is 12% of your ordinary time earnings. Under Payday Super, that's split across every pay cycle instead of being paid quarterly. On an $85,000 salary paid fortnightly, that's about $392 of super per pay.

Will I actually earn more super under Payday Super?

Yes. Contributions that land in your fund weeks or months earlier start earning returns sooner. Treasury estimates the average uplift at around $7,700 over a full career for a median-income worker.

What happens if my employer pays super late after 1 July 2026?

The employer becomes liable for the Super Guarantee Charge (SGC), which includes the shortfall, nominal interest, and an admin fee — and is not tax-deductible. Employees should report late or missing contributions to the ATO.

Does Payday Super apply to casuals and part-timers?

Yes. Any employee earning ordinary time earnings receives 12% super per pay. The $450 monthly threshold was abolished in 2022 — casuals and part-timers are entitled to super on every dollar of OTE.

Payday Super Calculator (From 1 July 2026)

From 1 July 2026, your employer must pay super with every pay cycle — not quarterly. Work out what hits your fund each pay, and how much extra you'll have at retirement.

Last verified: 1 July 2025

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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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Payday Super Calculator (From 1 July 2026)

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