Payday Super Calculator
See how much super you'll receive each payday under Australia's new Payday Super rules · From 1 July 2026
SGC standard rate is 12% for FY 2025-26
Super Per Pay Cycle
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Per fortnightly pay
Payday Super vs Quarterly — What Changes?
Currently (before July 2026): Employers pay super quarterly — up to 3 months after your wages.
From 1 July 2026: Employers must pay super on the same day as your wages, every pay cycle.
The total annual amount stays the same — only the timing changes.
About Payday Super
Payday Super is the most significant reform to Australia's superannuation system since the Superannuation Guarantee was introduced in 1992. Announced by the ATO, the new rules require employers to pay superannuation contributions on the same day as wages, starting 1 July 2026.
Under the current system, employers are only required to pay super quarterly — meaning your contributions can sit with your employer for up to three months before being deposited into your fund. Payday Super eliminates this delay, ensuring workers receive their entitlements promptly and helping reduce unpaid super — a significant issue affecting Australian workers.
How Is Super Calculated?
Your employer must contribute a minimum of 12% of your ordinary time earnings (OTE) as superannuation for FY 2025-26. This is known as the Superannuation Guarantee (SGC) rate.
- Weekly pay: Annual salary ÷ 52 × super rate
- Fortnightly pay: Annual salary ÷ 26 × super rate
- Monthly pay: Annual salary ÷ 12 × super rate
Under Payday Super, this same amount is paid each cycle — directly into your super fund on payday.
What Does This Mean for Employers?
Employers will need to update their payroll systems to process super contributions alongside wages. Penalties will apply for late payments. The ATO has indicated a transition period to help businesses prepare, but compliance will be required from 1 July 2026.
Related Calculators
Payday Super is just one part of your financial picture. Use these calculators alongside this tool:
- Superannuation Calculator — Project your total super balance at retirement based on your salary and years remaining
- Take-Home Pay Calculator — See your complete pay breakdown including employer super contributions
- Salary Sacrifice Calculator — Boost your super each payday through salary sacrifice and reduce your tax bill
- Income Tax Calculator — Understand how your super and income interact with the 2025-26 tax brackets
- Medicare Levy Calculator — Calculate your total Medicare obligations for the year