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 — unlike a normal super contribution, the SGC is not tax-deductible, so falling behind costs more than just catching up.