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Free Calculator · FY 2026–27

Will Payday Super affect
your cashflow?

From 1 July 2026, most Australian employers must pay Super on the payday — not quarterly. Enter your payroll details below to estimate the extra cash your business needs to hold from day one.

Calculate my impact Book a 15-minute cashflow review
Official guidance: ATO Payday Super. Some detailed rules are still being finalised.

Your payroll details

This models the timing difference only — not a full lender assessment.

This determines how much timing buffer you currently hold.
12% from 1 July 2025.
Set to 0 for same-day. Many references use a 7-day window.
Adds additional cash pressure to the buffer estimate.

Your cashflow estimate

Super per pay run
$0
One-off working capital uplift
$0
Maximum cumulative cash difference between payday timing and your current frequency across FY 2026–27.
Recommended liquidity buffer
$0
Rounded to nearest $5,000. Includes your safety margin.
What this means
This is typically a one-off uplift in working capital at changeover. Once funded, it becomes part of your ongoing working capital base — not a recurring annual cost.
Current quarterly SG due dates: 28 October, 28 January, 28 April, 28 July.

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How this calculator works

Under the current system, most employers pay super quarterly, based on SG due dates. Under Payday Super, contributions must reach the fund much closer to each payday. This compresses — or eliminates — the timing buffer ("super float") many businesses currently hold between payroll and super payment.

This calculator models FY 2026–27 and estimates the maximum cumulative cash difference between paying super on your current frequency versus paying within your chosen number of days after each payday.

The result is the extra cash your business needs to hold at changeover. Once funded, it becomes part of your normal working capital — so the main impact is the transition, not an ongoing annual cost.

What the result represents
A one-off uplift in working capital at changeover. Once funded, it becomes part of your ongoing working capital base.
Why it matters
Payroll-heavy businesses often rely on the quarterly timing buffer. When it compresses, cash can run short before wages and compliance obligations are both covered.
What to do next
If your estimate is material, we can size and structure a revolving liquidity facility aligned to your cash cycle and payroll frequency.

Official guidance and references

We summarise public guidance for planning purposes. If official rules change, update your assumptions.

FAQ

What is Payday Super?
Payday Super changes super payment timing so contributions are made much closer to when wages are paid, rather than relying on quarterly SG due dates.
When does Payday Super start?
The change is scheduled from 1 July 2026 for most employers.
What does this calculator estimate?
The one-off working capital uplift caused by the compression of your current super timing buffer when moving from quarterly payments to payday timing.
Is this a recurring annual cost?
Usually not. The main impact is the one-off transition. Once a liquidity facility is in place, it becomes part of your normal working capital base.
What if I already pay super weekly or monthly?
Your current timing buffer is smaller, so the uplift will be lower. Select your actual current frequency to get an accurate estimate.
Does this include PAYG, GST/BAS, payroll tax or debtor days?
No. This tool isolates the super timing impact only. Those items still matter for total working capital planning.
What is the "days after payday" setting?
Many references describe contributions reaching the fund within a short window after payday. Use this to model tighter or more conservative timing assumptions.
How do I use the result when talking to a lender?
Treat it as a planning input for the facility size conversation. A facility requires a full credit assessment — but this helps frame the right limit and aligns it to your payroll cycle.
Can I share this with my accountant or a client?
Yes — use the "Email me the results" form above. Add their email, their name in "Prepared for", and your firm in "Prepared by". The PDF will be branded accordingly.
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