Payday Super Is Coming… Are You Really Ready?
Apr 09, 2026Unless you have been living under a rock, you would know that super changes are coming. From 1 July, the way you pay super is changing. Instead of paying quarterly, employers will need to pay super on or around payday. This means your payment of SG for your employees (Super Guarantee – usually 12%) is received by the super fund no more than 7 business days after the QE day (Qualified Earnings). It is best practice to make the SG contribution at the same time as you pay qualifying earnings to your employees. For a lot of business owners - especially tradies and service-based businesses - this sounds simple… But in reality, it’s exposing a lot of gaps.
What does that look like?
John is an electricrian working for McIntyre's Cabling. He works 38 hours a week and is paid every Thursday. The pays are calcuated by Donna in the office on a Wednesday and the money hits his account Thursday morning. The pay week is Wednesday - Tuesday. If John works a regular week of 38 hours @ $65 per hour, his pre tax pay and in his case, qualifeld earnings are $2470 so 12% of that would be $296.40 which Donna needs to pay into his super. Under the new rules, Donna needs to ensure that $296.40 is in his super account within 7 days from the Tuesday of the last pay period.
What is the problem business owners aren’t seeing?
Most businesses assume:
- “Our payroll is set up properly”
- “Super is getting paid, so we’re fine”
- “Our bookkeeper/accountant will handle it”
But here’s what we’re already seeing:
- Super being paid late or inconsistently
- Payroll systems not set up properly
- Manual processes that won’t hold up under Payday Super
- Cash flow not prepared for more frequent payments
Most businesses think they’re compliant - until Payday Super exposes the gaps.
Why does it even matter?
Payday Super isn’t just a timing change.
It affects:
- Cash flow (less buffer between wages and super)
- Systems (your setup needs to be clean and reliable)
- Risk (mistakes will be easier to spot and penalised faster)
If your current process is a bit “loose” or manual, it’s likely to cause issues.
We want to help you!
To make this easy, we’ve created a simple, practical check to see where you stand.
No long reports. No jargon. No overwhelm.
Just clarity.
Payday Super Quick Check – $99 (April Only)
What’s included?
- 30-Minute Review Session
A focused 1:1 online session (Zoom or Teams) We walk through your setup together - simply and practically.
- Payroll & Super Setup Check
We review:
- Your payroll system (typically Xero)
- Super categories and structure
- STP alignment (high-level check)
- Super Payment Process Review
We look at:
- When you’re paying super vs payroll timing
- Whether you’re using a clearing house (like Xero Auto Super)
- Any delays or inconsistencies
- Risk Identification
We flag key issues such as:
- Late or irregular payments
- Manual or unreliable processes
- Missing or unclear setup
- Your Readiness Status
At the end, you’ll get a clear result:
🟢 Ready – You’re on track
🟡 Needs Fixing – A few gaps to address
🔴 High Risk – Action needed before July
- Simple Action Plan
You’ll leave with:
- 3–5 clear next steps
- Practical fixes (no fluff)
- Confidence on what to do next
Who This Is For
This is ideal if you:
- Employ staff and run payroll
- Are a tradie or service-based business
- Aren’t 100% confident your setup is right
- Want to avoid issues before 1 July
Why Do This Now?
If you leave it until June:
- You’ll be rushing
- Fixes will feel harder
- Cash flow adjustments will be tighter
If you do it now:
- You’ve got time to adjust
- You can ease into changes
- You’ll feel in control - not reactive
We’ve kept this simple:
$99 inc GST (April only) Limited spots available
Ready to know where you stand?
If you want to know - with confidence - whether you’re ready for Payday Super:
Get in touch to book your Payday Super Quick Check
No pressure. Just clarity. - Book your one off check now! (No strings, just $99)
