How Payday Super affects employees¶

From 1 July 2026, the way your super is paid changes. Instead of arriving each quarter, your super arrives in your fund on each payday — around the same time as your wages. The ATO calls this Payday Super.

You do not have to do anything for this to happen. It simply means your super turns up sooner and more often than before.

In one line

From 1 July 2026 your super arrives in your fund each payday, so it is invested earlier and easier to keep an eye on.

Why this matters¶

Super is money saved over your working life for retirement. Getting it into your fund sooner gives it more time to grow. Payday Super also makes it easier to see, so you can check your super is being paid.

What you will learn¶

How Payday Super changes when your super arrives
Why super arriving sooner can help it grow
How to check your super is being paid

Understanding the concept¶

Today, many employers pay super each quarter. Under Payday Super, your employer pays it every payday. So if you are paid fortnightly, your super lands in your fund fortnightly too, rather than months later.

There are two clear benefits.

Your super is invested earlier. Moneysmart explains that the money in your super fund is invested on your behalf and grows over time. Amounts also build up, or "accumulate", as you keep working. When contributions arrive sooner and more regularly, your savings have more time working for you across the year.

It is easier to see and check. Because super arrives with each pay, it is simpler to match it to your payslips. Moneysmart says you can check how much super you are getting by looking at your payslip, your myGov account or your super account. Checking now and then is worth doing, so you can be sure your super is arriving as it should.

For accountants & bookkeepers

The benefit to members is the reduced gap between earning and investing. The ATO frames Payday Super as employees receiving super guarantee more frequently, based on the current 12% rate of qualifying earnings, with the money required to reach the fund within 7 business days of payday. Moneysmart's guidance on checking super via myGov remains the same regardless of how often contributions are made.

Example¶

Tom is paid fortnightly. Before 1 July 2026, his super was paid each quarter, so he often waited months to see it land. From July, his super arrives in his fund with each fortnightly pay. When he logs into myGov, he can see the contributions coming through regularly and match them to his payslips. His super is invested earlier in the year, giving it more time to grow, and he can quickly spot if anything looks missing.

Common mistakes¶

Assuming you must set something up — Payday Super happens automatically through your employer's payroll.
Never checking your super — it is still worth confirming it is arriving via your fund or myGov.
Thinking you get more super overall — the amount is the same; it simply arrives sooner and more often.

How this works in myaccountant¶

In the app — if your employer uses myaccountant, your super is worked out on each pay run and sent to your fund as part of that run. Your payslip shows the super for the pay, so you can see what was paid and check it against your fund or myGov.

Key points¶

From 1 July 2026 your super arrives each payday, not each quarter.
You do not need to do anything — it happens through your employer's payroll.
Super arriving sooner gives it more time to be invested and grow.
The amount is unchanged — it is based on the same 12% rate.
You can check your super via your payslip, your fund or myGov.
It is still worth checking now and then that your super is arriving.

Learn next¶

General information only — not tax, super or financial advice.

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