Super must be received by the fund within 7 business days of payday (weekends & public holidays excluded). This tool shows the full payment chain — from payrun through to the Super Clearing House and final fund receipt — for every pay cycle.
Super must be received by the fund within 7 business days of payday. Weekends and public holidays for your state/territory are excluded.
The SCH sits between payroll and the super funds. Employer pays the SCH; SCH distributes to individual funds. Allow 2 business days for SCH processing.
Real-time settlement to SCH, 24/7. Funds received instantly — submit to SCH by business day 5 to allow 2 days for distribution.
Real-time pull payment via NPP. SCH receives instantly once authorised. Submit to SCH by business day 5. ⚠️ $25,000 per transaction limit — split payments or use an alternative method for larger super obligations.
3 business days to reach SCH. Initiate by business day 2 → SCH receives by day 5 → fund receives by day 7.
2 business days to reach SCH via BECS batch. Upload by business day 3 → SCH receives by day 5 → fund receives by day 7.
Late super attracts the Super Guarantee Charge — non-deductible, includes 10% p.a. interest and an admin fee.
Only holidays for your selected state/territory are excluded. Dates shown for 2025–2027. Verify proclamations each year.
⚠ Disclaimer: This tool is a guide only, based on ATO Payday Super guidance and publicly known state/territory public holidays for 2025–2027. SCH processing times are indicative (2 business days used conservatively). Always confirm obligations with a registered tax agent or the ATO.