Payday Super CheckerIs your super on time?
Since 1 July 2026, super must reach the fund within 7 business days of each payday. Source: ATO
Your result
Due by
Estimated charge Estimate only
Add the super owed for that payday to estimate the charge.
The ATO has the final say on what you owe.
No received date? We'll treat it as not fully paid. If the fund has received it, add the date it arrived.
See breakdown
How we worked this out
How we worked this out
Business days skip weekends and any public holiday that covers a whole state or territory.
Calculated from the figures you entered using the rules in the ATO guidance shown. Check before you lodge or pay.
How it works
Three steps from payday to the fund.
Payday starts the clock
The day you pay the employee is day 0.
Count 7 business days
Weekends and public holidays that cover a whole state or territory are skipped.
The fund must receive it
It's the date the fund receives the money, not the date you send it.
Old rules and new rules
What changed for employers on 1 July 2026.
| Topic | Before 1 July 2026 | From 1 July 2026 |
|---|---|---|
| When super is due | Super for a whole quarter was due 28 days after the quarter ended. | Super for each payday must reach the fund within 7 business days. Source: ATO |
| Example | July–September pay was due by 28 October. | Payday 2 July 2026, due 13 July 2026. |
| New employee or new fund | – | The first contribution can count as on time up to 20 business days after payday. Source: ATO |
| If super is late | You lodged a super guarantee charge statement and paid the charge. | You no longer lodge a statement; the ATO sends a notice of assessment. Source: ATO |
Free to check. Paid plans add saved paydays, reminders and PDF exports.
All prices include GST. Early access: not yet available, no payment taken.
- Free A$0
- Standard A$9/mo inc. GST
- Practice A$99/mo inc. GST
- Late super calculation (PDF) A$29 inc. GST
Common questions
When is super due under Payday Super?
From 1 July 2026, the employee's super must be received by their fund within 7 business days after each payday (the QE day). Business days exclude weekends and public holidays that apply to the whole of any state or territory.
What counts as received?
The fund must receive the contribution with all the information it needs to allocate it to the employee's account. Sending it on day 7 is not enough if it arrives later.
What is the new super guarantee charge made of?
For each payday: the final shortfall (super still unpaid when the ATO assesses), notional earnings (GIC compounded daily on the base shortfall), an administrative uplift of up to 60% (0–40%, or 20–60% if the ATO has itself assessed you in the last 2 years; a voluntary disclosure to the ATO before it starts a review can reduce the uplift), and any choice loading.
Is this the ATO's calculation?
No. It is an estimate based on the law and ATO guidance shown under Sources. The ATO has the final say on what you owe.
Is anything I enter stored?
No. The calculators run in your browser. We don't keep the figures you enter. We only store an email address if you choose to join an early-access list. See Privacy.