Use our Payday Super Calculator to understand your cash flow impact
From 1 July 2026, employers must pay superannuation at the same time as wages. No more quarterly payments and a big shift in how your business manages payroll, compliance and cash flow. Estimate how much additional working capital your business may need when Payday Super starts.
This calculator only applies for normalised wages payments and bonus or commission payments may result in higher super payments.
Why it matters
Manage your cash flow before Payday Super begins. It’s changing how every Australian business handles super contributions. That means:
No more quarterly super payments
More frequent payment processing
New payroll and compliance routines
Tighter cash flow cycles
From 1 July 2026, all employers will be required to pay superannuation contributions each pay cycle, at the same time as wages.
For many small and medium-sized businesses, this will mean less flexibility in managing working capital and greater pressure on liquidity.
Our modelling shows the average SMB could need to unlock over $124,000 in additional working capital to stay compliant with the new laws.
Why Planning Early Matters
The shift to Payday Super is one of the biggest payroll and cash management changes in decades. By understanding your position now, you can avoid surprises later. Early planning means you can:
Forecast super payment obligations across your pay cycles
Smooth cash flow impacts before 1 July 2026
Stay compliant and confident when the new rules take effect
About the Calculator
A simple tool for a major change. The Payday Super Cash Flow Calculator helps you:
Understand how the new rules will affect your business
Estimate how much extra liquidity you’ll need
Plan your payroll and payment schedules ahead of time
No spreadsheets. No guesswork. Just clear insight to keep your business on track.
HeroClear Makes Payday Super Easy
Get your business ready for Payday Super – effective from 1 July 2026 – with an automated, secure super payment experience. HeroClear automatically validates, pays, and tracks super contributions directly from payroll – helping you stay compliant, reduce admin, and protect your business from costly errors.
“Most new hires complete everything on their phone. They sign contracts, review policies, and onboard remotely –it’s so simple and efficient.”
Dan Farthing, Head of Product and People
