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Free tool

Payday Super readiness

From 1 July 2026, SG must reach the employee's super fund within 7 business days of each pay event. Quarterly cycles end. SGC + nominal interest accrues per pay if you miss. This checker scores your readiness.

Your payroll
red0/100

Significant uplift needed — start now

Gaps

  • Upgrade to an STP Phase 2-capable payroll system that supports per-pay SG calc.
  • Engage a super clearing house (SBSCH if eligible, or commercial) to fan out per-pay contributions.
  • Embed super stapling at onboarding (request stapled fund from ATO for new starters with no fund nominated).
  • Reconcile SG calc + remittance every pay cycle (not just quarter-end). QE base from 1 July 2026 broadens the base vs OTE.
  • Track 7-business-day fund receipt deadline; any miss now triggers SGC + nominal interest accrual within the pay cycle.

Next actions

  1. Calendar a dry-run for Q1 2026 using mock pay cycles.
  2. Confirm clearing house turnaround (must be inside 7 business days after pay event).
  3. Update employee letters: super now paid each pay event, not quarterly.
  4. Brief finance: cash flow from quarterly to per-pay; super payable accrual changes.
  5. Update payroll service provider SLAs to include payday super readiness deliverables.

Sources