Payday Super: Know Where You Stand
From 1 July 2026, super must be paid every payday — and the ATO will know in near real-time if it isn’t.
Most businesses are either unprepared for the compliance shift, unprepared for the cash flow impact, or both. Research shows 58% of Australian businesses aren’t yet across the changes. And the average SME may need up to $124,000 in additional working capital to manage the transition from quarterly to per-payrun payments.
There’s also a hard deadline hiding in plain sight: the ATO’s Small Business Superannuation Clearing House closes permanently on 30 June 2026. If that’s your current setup, you need a replacement before then.
We offer two targeted sessions to get you across both issues — compliance and cash flow — before the change hits.
Are You Ready? Session
$400 + GST
* depends on size and type of business – this is for 1-5 employees including owner
A structured, 60-minute working session focused on one question: are you actually ready for Payday Super?
We don’t just run through a checklist. We work through your specific setup — your payroll system, clearing house arrangements, employee fund data, onboarding process, and STP compliance — and identify exactly where your gaps are and what needs to happen before 1 July.
- What’s included:
- Pre-session information gathering (compulsory — this is how we make the session useful)
- 60-minute working session with your adviser
- Written gap summary and prioritised action plan delivered after the session
- This session is for you if:
- You’re not 100% sure your current setup will be compliant under the new rules
- You’re using the ATO’s Small Business Superannuation Clearing House and haven’t yet arranged a replacement
- You want a clear action plan, not more general information
Cash Flow Pressure Point Review
$1,000* + GST standalone | $1,250* + GST combined with the Are You Ready? Session
* Depends on size and type of business – this is for 1-5 employees including owner
Payday Super isn’t just a compliance change — for many businesses, it’s a cash flow shock in slow motion.
Moving from four super payments a year to weekly, fortnightly or monthly payments changes your working capital position. If your business is carrying tight margins, relies on invoice timing, or uses super accruals as a cash buffer, the shift will hurt more than you might think.
This session takes your actual numbers and models what the transition looks like for your business — not in theory, in practice. We identify your pressure points, review your working capital position, and build a plan to manage the change without it creating a liquidity problem.
- What’s included:
- Pre-session financial information gathering (compulsory)
- Deep-dive working session with your adviser
- Cash flow model showing the impact of the frequency shift on your business
- Written summary with practical recommendations and next steps
- This session is for you if:
- You want to understand the real cash flow impact on your specific business, not just the general picture
- You’re worried about how the transition will affect your working capital
- You want a proactive plan rather than finding out the hard way in August
