The Annual Cap + Payday Super Calculator is a simple, intuitive way to model how superannuation behaves under a hypothetical future system where the annual concessional contributions cap replaces quarterly caps, and Payday Super applies from 1 July 2026.
Designed specifically for the 2026–27 financial year, this calculator helps you understand the impact of:

• Monthly pay cycles
• A 12% Superannuation Guarantee (SG) rate
• Real‑time super contributions aligned to each payday

Whether you're forecasting employee super, assessing cap utilisation, or preparing payroll processes for a changing legislative landscape, this tool provides clarity, transparency, and easy year‑ahead planning.