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Payday Super is here. What's It Doing to Your Cash Flow?
New superannuation laws started 1 July 2026. PaySauce makes it simple.
Starts 1 July 2026
The Australian Government is introducing Payday Super, one of the biggest changes to payroll in years.
From 1 July 2026, employers must pay superannuation at the same time as wages, rather than quarterly. Super contributions will need to reach employees' super funds shortly after each pay run. The current superannuation rate is 11.5% in 2025, rising to 12% from 1 July 2026 alongside the Payday Super changes. This change affects all Australian employers, including farms, cafes, retail stores, and small businesses.
QUARTERLY PAYMENTS
Before July 2026
Pay super 4 times a year
Due 28 days after each quarter ends
Calculated on ordinary time earnings
Manual tracking and spreadsheets workable
Penalties apply if payments are late
EVERY PAYDAY
From 1 July 2026
Super paid on every single pay run
Must reach the fund within 7 business days
Calculated on new "qualifying earnings" rules
Manual processes will struggle to keep up
Higher penalties for non-compliance
Payday Super changes everything
Super just became part of every pay run
Payday Super turns superannuation from a quarterly task into a core part of every pay run. For businesses using manual processes or spreadsheets, this can create extra admin, compliance risk and cash flow challenges.
- Every pay run you'll need to:
- Calculate super automatically
- Submit payments more frequently
- Ensure contributions reach funds on time
- Keep accurate employee super fund details up to date
Calculation Breakdown
Tax treatment code
Prepare inputs
Super Guarantee
Super Guarantee = 144.46OTE(1203.82) * 0.12 = 144.4584rounded to cents
IFA: Set final gross pay value
Net pay calculation
Success
Superannuation filing created successfully.Built for Australian small businesses
Payday Super sorted. Automatically.
PaySauce keeps super connected to every pay run, so you're compliant from day one. No manual calculations, no chasing payments, no spreadsheets.
- Super calculated automatically every pay run
- Pastoral Award and industry award rates built in
- Payroll records and super obligations tracked in one place
- Less admin during your busiest periods
Pay Run DetailsReview and manage pay run
19 - Jan 25, 2026
19 - Jan 25, 2026
Employees4
Gross Amount$2,884.62
Tax Amount$767.00
Employee Pay Details
Edward Smith
Employment typeFull Time
Pay Gross$684.00
Tax$65.00
Other Deductions$0.00
Net Pay$619.00
Work Pattern Comparison100% match
Managing super
The old way vs the PaySauce way.
The Old Way
The Paysauce Way
Calculate super manually each quarter
Super calculated automatically every pay run
Chase employee super fund details
Employee super details stored and verified
Hope your spreadsheet has it right
Payments tracked and submitted on time
Risk of late payments and ATO penalties
Compliant with Payday Super from day one
Payday Super. Your questions answered.
Everything you need to know about the new superannuation laws.
What is Payday Super?
Payday Super is new Australian legislation requiring employers to pay superannuation at the same time as wages, starting 1 July 2026. Instead of paying super quarterly, you'll need to pay it every single pay run.
When does Payday Super start?
1 July 2026. All Australian employers need to be compliant from this date, including small businesses, farms, cafes and retail stores.
How is Payday Super different from the current rules?
Currently, employers pay super four times a year, due 28 days after each quarter ends. From 1 July 2026, super must be paid with every pay run and reach the employee's super fund within 7 business days.
What happens if I don't comply?
The ATO will apply higher penalties for late or missed super payments under the new rules. Staying compliant from day one is the easiest way to avoid issues.
How does PaySauce handle Payday Super?
PaySauce automatically calculates and tracks super on every pay run. Your obligations are handled inside your payroll process, so nothing gets missed and you stay compliant without extra admin.
Do I need to do anything to get ready?
Make sure your employee super fund details are up to date before 1 July 2026. PaySauce will take care of the calculations and payments automatically from there.
Where can I find out more about Payday Super?
You can read more from the Australian Taxation Office at ato.gov.au/payday-super and Fair Work Australia at fairwork.gov.au. Our team is also happy to answer any questions - just get in touch.
Does this apply to me if I only have one or two staff?
Yes. Payday Super applies to all employers in Australia with at least one paid employee.
I use the ATO's free clearing house (SBSCH). What do I need to do?
You need to find an alternative before 1 July 2026. The SBSCH is closing on that date. Check whether your existing payroll software already includes super payment functionality. Do not leave this until June.
My bookkeeper handles payday. Do I still need to worry?
It is worth a conversation with them before July 2026. As the employer, you are still legally responsible even if someone else manages the day-to-day process.