Super
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.
This is the free Payday Super cashflow calculator — built to answer the question every small employer and bookkeeper is asking before 1 July 2026: what does paying super every payday actually do to my cash? Enter two numbers and you'll see your super-per-payday, your annual super, and the one-off working-capital shift as super stops sitting in your account between quarterly runs. No email, no sign-up, and nothing you type leaves your browser.
General information only — not financial, tax, superannuation, or legal advice. This tool gives an indicative, illustrative estimate only. Confirm your obligations with the ATO (ato.gov.au) or a registered tax or BAS agent before acting.
Payday Super · from 1 July 2026
Payday Super cashflow-impact calculator
From 1 July 2026, employers must pay the 12% Super Guarantee on every payday — received by each employee's fund within 7 business days — instead of batching it quarterly or monthly. Estimate the new per-payday outflow and the one-off working-capital catch-up as the super you currently hold between batches leaves earlier. Runs entirely in your browser.
1 July 2026
11:59pm AEST 30 June 2026
How to read your result
The calculator turns the reform into your own numbers using only legislated figures:
- Super per payday is simply 12% of the qualifying earnings you enter — the new per-payday obligation that must be received by each fund within 7 business days of payday from 1 July 2026.
- Annualised super is that per-payday amount across your year (52, 26 or 12 paydays). This is unchanged by the reform — you owe the same total; it just leaves more often.
- Average super held between batches now estimates the super that currently accrues and sits in your account mid-cycle under quarterly or monthly remittance.
- One-off working-capital catch-up is the illustrative timing shift: as you move from holding super between batches to clearing it within 7 business days of each payday, that held balance leaves earlier. It's a timing change, not an extra cost — but if your buffer is thin, the timing is what bites.
For the worked example and the deeper explanation of the catch-up effect, see what payday super does to your cashflow.
What the calculator doesn't do
It doesn't account for your specific payroll arrangements, salary-sacrifice mix, contractor inclusions, or your fund's processing times — and it deliberately doesn't quantify penalties. Treat every figure as an estimate to start a conversation with your bookkeeper or BAS agent, not a compliance output.
Turn the numbers into a plan
Seeing the cash impact is step one. Step two is making sure every pay run actually meets the 7-business-day deadline. Work through the 12-point readiness check, confirm your clearing-house and software setup, and if you use the ATO clearing house, migrate before it closes on 30 June 2026.
Done-for-you · editable templates
The Payday Super Compliance Pack
Operationalise the 1 July 2026 change in an afternoon instead of building every document from scratch. Editable, AU-specific templates a small employer or bookkeeper can adopt today — each one carrying the not-advice disclaimer and ATO source citations.
- Payday Super policy template (.docx) — pay-on-payday, the 7-business-day received standard, QE basis, choice-of-fund, a process owner. Fill-in-the-blanks.
- Payroll-process SOP (.docx) — the per-payday runbook: calculate 12% of QE, submit early, confirm received within 7 business days, STP report, reconcile, handle exceptions. With a RACI line.
- Employee comms templates (.docx) — staff announcement, "confirm your fund details" request, choice/stapled-fund notice, and a staff FAQ. Copy, paste, send.
- Cashflow plan template (.xlsx) — super outflow per pay run vs the old quarterly lump, a buffer/runway calculator, and a 12-week timing view. Pre-built formulas.
- Bonus: 7-business-day deadline calculator (.xlsx) — enter a payday, get the "must be received by" date. The most-shared artifact.
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General information only — not financial, tax, superannuation, or legal advice. The Pack is a set of editable templates and education, not regulated advice. Every figure and date is based on published ATO guidance current as at 8 June 2026, which can be updated before 1 July 2026; confirm your obligations with the ATO or a registered tax or BAS agent before acting.
Sources
All figures use legislated settings and published ATO guidance: the 12% super guarantee rate, the 7-business-day payment deadline, about payday super, and the SBSCH closing on 30 June 2026.
General information only, current as at 8 June 2026, based on ATO published guidance — not financial, tax, superannuation, or legal advice. Confirm your situation with the ATO, the Fair Work Ombudsman, or a registered tax or BAS agent before acting. Start at the Payday Super pillar guide.