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FREE eBook: How to Prepare for Payday Super
A Step‑by‑Step Employer Guide for 1 July 2026
Payday Super is no longer optional — and preparation needs to start now.
From 1 July 2026, superannuation must be paid every payday, not quarterly.
This practical eBook shows you exactly what’s changing, what to do, and when to do it — so you can stay compliant, protect cash flow, and avoid costly penalties.
What is Payday Super?
Payday Super requires employers to pay superannuation contributions every time employees are paid.
This means super is no longer grouped and paid monthly or quarterly. Instead, super is calculated as part of each pay run and contributions must be sent — and received by the fund — in line with your regular payroll cycle.
Under this model, superannuation becomes a pay‑by‑pay obligation, closely aligned with wage payments.
For employees, this means their super is deposited into their fund more frequently, giving them faster access to investment returns and reducing the risk of unpaid or late super.
Importantly, the underlying superannuation guarantee (SG) rules do not change.
- SG is still calculated on ordinary time earnings (OTE).
- The SG rate remains at 12%.
- Eligibility rules and SG calculations remain the same.
What You’ll Learn in This eBook
- What Payday Super really means for employers
- How Qualifying Earnings (QE) work
- A phased preparation plan
- Payroll system and clearing house readiness
- Cash flow and operational impact
- How the ATO will approach compliance in year one