Payday Super rules mean your employer pays your super at the same time they pay your wages (so, every payday).
What is super?
Superannuation (or super for short) is your retirement savings, invested by your super fund to grow over time.
Most people who work in Australia receive super contributions from their employer in their super account. Super is paid at 12% of your ordinary time earnings. Some employers pay more.
Learn more about super and super contributions.
When is super paid?
Before Payday Super, employers only had to pay super into your account every 3 months (quarterly). For some employees, this created a gap between what they saw on their payslip and when the money reached their super account.
From 1 July 2026, your employer must pay your super at the same time as your salary or wage.
Here’s how Payday Super compares to the old rules
|
Before Payday Super |
From 1 July 2026 – with Payday Super |
|
Employers only had to pay your super into your account every 3 months (but some chose to pay more frequently) |
Employers must pay your super to your super fund every payday |
|
Payments could take weeks or months to reach your super account |
Payments should reach your super account within 7 business days of payday |
|
Harder to match payslip to super account |
Easier to see and track super payments |
What does Payday Super mean for you?
Getting your super each payday can make a big difference to growing your super.
- Your money can start growing sooner: if your employer puts your super into your account earlier, it has more time to grow.
- You can see your super sooner: you don’t need to wait months to see payments.
- You can spot problems earlier: you can notice missing or late payments quickly. Paying super each payday helps reduce this risk.
Check your super regularly
You can check your super regularly, just like you check your bank account.
Most super funds have apps or online accounts. You can log in to see your super balance and track payments, where it’s invested, and any fees or costs that might be paid from your super account.
Checking your super helps you:
- confirm your employer pays your super
- spot missing or late payments early
- stay connected to your retirement savings.
After you get paid, you can check:
- your super fund account for new payments
- your balance.
You don’t need to rely on your payslip alone. Your super fund shows when your money arrives.
If you’re unsure which super fund your money is with, ask your employer. Or sign into your myGov account, and link it to the Australian Taxation Office (ATO). This will show you all your super accounts.
Download your super fund’s app and check your account after each pay.
What hasn’t changed
Payday Super changes when your employer pays super, not the rules themselves.
It does not change:
- who gets super
- how much super your employer must pay
- your employer’s responsibility to pay super.
Contribution caps still apply. These caps limit how much super can go into your account each year without extra tax. Payday Super does not change these limits.
What to do if super isn’t paid
Your employer’s super payments should reach your account within 7 business days. If you think your super is missing or late, there are a few steps you can take.
1. Check your super account
Log in to your super fund or app and check for new payments. There can sometimes be a short delay.
2. Ask your employer
If you don’t see a payment, ask:
- when they paid your super
- which fund they paid it into
- how much they paid.
Issues can come from simple errors or delays.
3. Contact the ATO if needed
If the issue continues, you can let the Australian Taxation Office (ATO) know. The ATO can investigate and recover unpaid super.
For more information on what you can do if you think your employer hasn’t paid your super, visit unpaid super from your employer, or use the ATO’s report unpaid super tool to make a report.