Articles & guides
Plain-English guides to Australian pay, tax, super and entitlements — checked line by line against ATO and Fair Work sources, using the legislated FY2026-27 figures.
Super
What Payday Super Does to Your Cashflow (and the One-Off Catch-Up Hit) From 1 July 2026
Payday super doesn't change how much super you pay — it changes when. From 1 July 2026, super leaves with every payrun instead of quarterly. Here's the working-capital timing shift, the one-off catch-up as you switch, and how to prepare your cashflow.
What Is Payday Super? The 1 July 2026 Change Explained Plainly
Payday super is the rule that, from 1 July 2026, makes Australian employers pay the 12% super guarantee on every payday — received by each fund within 7 business days — instead of quarterly. A plain-English explainer of what changes, who's affected, and the dates that matter.
The Payday Super Deadline: When Your Super Must Be *Received* (Not Sent) From 1 July 2026
The payday super deadline is 7 business days — but it's a received-by deadline, not a sent-by one. What the 7-business-day rule really means from 1 July 2026, how business days are counted, the 20-business-day new-fund exception, and how to never miss it.
The ATO Clearing House Closes 30 June 2026 — What To Do Now
The Small Business Superannuation Clearing House (SBSCH) closes at 11:59pm AEST on 30 June 2026. It already stopped taking new registrants from 1 October 2025. If you use it to pay super, here's exactly what to do — and download your records — before it shuts and payday super starts.
Qualifying Earnings vs OTE: Every Pay Item That Changed (Commissions Included) — 1 July 2026
From 1 July 2026, payday super is calculated on Qualifying Earnings, not OTE-per-quarter — but what counts as OTE hasn't changed. A plain-English lookup of which pay items are in (all commissions, salary sacrifice) and which are out (overtime), so you can map your pay codes correctly.
Payday Super in Xero & MYOB (From 1 July 2026): Setup, Clearing House & SLA Checks
From 1 July 2026, your super must be received by each employee's fund within 7 business days of payday. A plain-English setup guide for Xero and MYOB employers — automatic super, clearing-house turnaround, STP reporting and the checks to run before the SBSCH closes 30 June 2026.
Payday Super in QuickBooks & Reckon (From 1 July 2026): Setup & Deadline Checks
From 1 July 2026, super must be received by each employee's fund within 7 business days of payday. A plain-English setup guide for QuickBooks Online and Reckon employers — super processing, clearing-house turnaround, STP reporting and the checks to run before the SBSCH closes 30 June 2026.
Payday Super for Tradies (From 1 July 2026): Subbies, Allowances & Weekly Pay
From 1 July 2026, trades businesses must pay 12% super every payday and have it received by each fund within 7 business days. A plain-English guide for tradies and builders — subcontractors caught by super, which allowances are OTE, and what weekly pay means for your cash.
Payday Super for Retail (From 1 July 2026): Part-Timers, Commissions & Roster Pay
From 1 July 2026, retail employers must pay 12% super every payday and have it received by each fund within 7 business days. A plain-English guide for shops and stores — why commissions are now always caught, how roster swings hit super, and what to do before the SBSCH closes 30 June 2026.
Payday Super for Clinics & Allied Health Practices (From 1 July 2026)
From 1 July 2026, clinics and allied health practices must pay 12% super every payday and have it received by each fund within 7 business days. A plain-English guide for GP, dental and allied health employers — practitioner contractors, mixed pay arrangements, and what to do before the SBSCH closes 30 June 2026.
Payday Super for Cleaning Businesses (From 1 July 2026): Casual-Heavy Payroll
From 1 July 2026, cleaning businesses must pay 12% super every payday and have it received by each fund within 7 business days. A plain-English guide for casual-heavy cleaning payrolls — subcontractors, scattered shifts, stale fund details, and what to do before the SBSCH closes 30 June 2026.
Payday Super for Cafes & Hospitality (From 1 July 2026): Casuals, Tips & Split Shifts
From 1 July 2026, cafe and hospitality employers must pay 12% super on every payday and have it received by each fund within 7 business days. A plain-English guide for casual-heavy venues — what counts, what doesn't, and what to do before the SBSCH closes 30 June 2026.
Payday Super Cashflow Calculator (Free, No Email) — 1 July 2026
Free payday super cashflow calculator. Enter your pay cycle and gross qualifying earnings to see your super-per-payday, annualised super, and the one-off working-capital timing shift when super stops sitting in your account between quarterly runs. No email, runs in your browser.
Payday Super 2026: What Every Australian Employer Must Do Before 1 July
From 1 July 2026, super must reach your employees' funds within 7 business days of every payday — not quarterly. A plain-English guide for small employers and bookkeepers: what changes, who's affected, the deadlines, and exactly what to do before the SBSCH closes 30 June 2026.
Missing the 7-Day Window: The New SG Charge, 60% Uplift & Penalties (From 1 July 2026)
Miss the 7-business-day payday super deadline from 1 July 2026 and the new Super Guarantee Charge applies — with notional earnings compounded daily, an initial 60% administrative uplift, and possible choice loading. Here's how the new SGC and separate penalties work, in plain English.
Am I Ready for Payday Super? The 12-Point 1 July 2026 Readiness Check
A 12-point readiness check for the 1 July 2026 payday super change. Work through each point — software, clearing-house turnaround, qualifying earnings, cashflow, employee fund details and STP — to know whether you're genuinely ready before the SBSCH closes 30 June 2026.
Super is 12% from 2025 + payday super 2026 — what it means for your pay
The Super Guarantee is 12% from 1 July 2025, and payday super arrives in 2026. What both changes mean for your take-home pay, your fund balance and how to check you're being paid correctly.
Pay & entitlements
When does my pay land if payday is a public holiday or weekend?
If your payday falls on a public holiday or weekend, when does the money actually arrive? How bank processing works, what most employers do, and your right to be paid on time.
Public holiday pay & penalty rates explained (2026)
What public holiday pay and penalty rates mean in 2026 — your right to a paid day off, what you're owed for working a public holiday, and how to check your award.
Casual vs permanent: the real take-home difference
Casual loading vs permanent leave — which actually leaves you better off? How the 25% casual loading, paid leave, super and public holidays compare for your real take-home pay in 2026.
Take-home pay
How much is take-home pay on $60k, $80k, $100k & $120k? Australia 2026-27
Take-home pay for $60,000, $80,000, $100,000 and $120,000 salaries in Australia for FY2026-27 — net pay, income tax, Medicare and the new 15% bracket, worked line by line.
HELP/HECS repayments 2026-27: the new marginal system
HELP/HECS repayments changed to a marginal system for FY2026-27 — you repay only on income above the threshold. How it works, worked examples, and what it does to your take-home pay.