Payday Super: when must the fund have it?

Counts the 7 business days from payday to the day the fund must have the money, and prices the deduction you lose when it lands late.

Payday (when wages are paid) Date the fund actually receives the super Qualifying earnings in this pay run AUD SG rate % Public holidays inside the window days Clearing house lead time business days Company tax rate Pay runs per year

Fund must have received it by	—
Pay run must leave you by	—
Days late	—	days
SG for this run	—	AUD
Company tax deduction forfeited	—	AUD
Forfeited across the pay year	—	AUD

Received-by date, not sent-by date
From 1 July 2026 the test is when the fund receives the contribution, not when you send it. The tool counts 7 business days forward from payday and skips weekends and the public holidays you enter.

Submit-by date for your clearing house
Walks the lead time of your clearing house or gateway back from the received-by date, so you get the day the pay run actually has to leave you.

Price of landing late
A late contribution becomes a superannuation guarantee charge, and that charge is not tax deductible. The tool shows the SG amount for the run and the company tax deduction you forfeit.

Across the pay calendar
Multiplies the forfeited deduction by your number of pay runs a year, so a habit of shipping super two days late has a figure attached to it.

Export and reminders (full version)
Saves the dates and amounts as .csv for the file, and sets browser reminders ahead of a date you enter. Free tier keeps every calculation open.

Open full tool → getreadystack.com