Payday Super is already live. Where do you stand?

Since 1 July 2026, employers must pay super at the same time as wages. If you're still paying quarterly, every pay run that's gone by without super reaching the fund within 7 business days may already be exposed. Answer a few questions and get a specific picture of where you are.

87% of Australian small businesses expected this change to add cash flow pressure (Xero, 2026). The bigger risk is the Superannuation Guarantee Charge — the shortfall plus notional earnings plus an administrative uplift, now assessed by the ATO automatically, so falling behind costs more than just catching up.

Do you have employees?

Yes No, just me Planning to hire

Are your pay runs actually up to date?

Yes — every pay period has a pay run Behind, or not sure Doesn't apply

This is the one most checks miss. Super is triggered by a pay run — if a pay period never got processed, the super for it was never triggered either, and every "is my super right?" check will say you're fine.

How do you currently pay super?

What do you use for payroll, if anything? (optional)

Anything else worth knowing? (optional)

Free. Takes 10-20 seconds.