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Pay Day Super may not take effect until 1 July 2026, but for many SMEs, the most important work should start well before then. This reform changes when super is paid — moving from quarterly payments to pay-cycle payments aligned with wages. While the intent is.....
Pay Day Super may not take effect until 1 July 2026, but for many SMEs, the most important work should start well before then.
This reform changes when super is paid — moving from quarterly payments to pay-cycle payments aligned with wages. While the intent is positive for employees, the impact on businesses is more complex.
For SMEs, Pay Day Super isn’t just a compliance update. It’s a payroll, cash-flow and systems change.
Under Pay Day Super, employers will be required to pay superannuation at the same time as salary and wages, rather than quarterly.
The change is being introduced to improve retirement outcomes for employees and reduce unpaid super, with guidance provided by the Australian Taxation Office.
The biggest risk we see isn’t misunderstanding the rules — it’s leaving preparation too late.
Businesses that wait until 2026 may find:
By contrast, businesses that prepare early can:
Pay Day Super affects:
In practical terms, this means SME owners need to think beyond compliance and consider how payroll fits into the broader financial picture.
“Pay Day Super is a systems and cash-flow issue as much as it is a compliance one. Businesses that treat it strategically will transition far more smoothly.”
— Peggoty Koszek
These steps take time — and that’s exactly why starting early matters.
We help business owners move beyond uncertainty by providing:
Set your business on the right path with this simple guide.
Make sure you’re on the right track with this online checklist.
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Altus Wealth Pty Limited ABN 55 649 956 212 is an Authorised Representative of Altus Financial Services Pty Ltd ABN 24 637 026 825 an Australian Financial Services Licensee (AFSL no. 520266). Altus Financial Services Pty Ltd is not responsible for the advice, products and services provided by Altus Accounting. Julie Azzi is a credit representative (CR No. 366834) of BLSSA Pty Ltd ABN 69 117 651 760 (Australian Credit Licence 391237).
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