When must employer super contributions reach the fund under Payday Super?

From 1 July 2026, employer Super Guarantee contributions must be received by the employee's fund within 7 business days of each payday. The test is receipt by the fund, not the date the employer sends the payment.

Which days count as business days for the Payday Super window?

Weekdays that are not public holidays. Weekends and public holidays do not count toward the 7 days, so a window over Easter or Christmas ends later than a plain two-week count.

What happens if a contribution is received after the deadline?

The updated Super Guarantee charge regime applies to that pay run. The charge is not tax-deductible and can apply per payday, which is what makes the receive-by date worth checking pay run by pay run.

Free tool · no signup · Payday Super Act, SG timing

Payday Super deadline checker

Payday Super receive-by deadline · from 1 July 2026

Payday

Tuesday 21 July 2026

The contribution must be received by the fund by this date: 7 business days after the Friday 10 July 2026 payday, spanning 11 calendar days.

Date	Day	Counts as
10 July	Payday	Day 0, the clock starts here
11 July	Sat	Skipped: Weekend
12 July	Sun	Skipped: Weekend
13 July	Mon	Business day 1
14 July	Tue	Business day 2
15 July	Wed	Business day 3
16 July	Thu	Business day 4
17 July	Fri	Business day 5
18 July	Sat	Skipped: Weekend
19 July	Sun	Skipped: Weekend
20 July	Mon	Business day 6
21 July	Tue	Business day 7 · deadline

The calendar skips weekends and national public holidays, the days gazetted in every state. A state-only holiday inside the window pushes the real deadline later, never earlier, so the date shown is never later than the actual deadline.

From 1 July 2026, employer Super Guarantee contributions must be received by the employee's fund within seven business days of each payday. Every pay run carries its own window, replacing the old quarterly due dates. Received means in the fund's account; a payment sent on time but landing late still misses. The checker counts the window day by day, skipping weekends and national public holidays, so a payday before Easter or Christmas gets the later date it actually has.

Payday Super pacing is included in SMSF Core, watching exactly this window payday by payday across the year. See pricing or start SMSF Core. Related reading: the seven-business-day rule with a worked example, and the two ways Payday Super bites an SMSF.

Common questions about the Payday Super deadline

When must employer super contributions reach the fund under Payday Super?: From 1 July 2026, employer Super Guarantee contributions must be received by the employee's fund within 7 business days of each payday. The test is receipt by the fund, not the date the employer sends the payment.
Which days count as business days for the Payday Super window?: Weekdays that are not public holidays. Weekends and public holidays do not count toward the 7 days, so a window over Easter or Christmas ends later than a plain two-week count.
What happens if a contribution is received after the deadline?: The updated Super Guarantee charge regime applies to that pay run. The charge is not tax-deductible and can apply per payday, which is what makes the receive-by date worth checking pay run by pay run.

Sources

ATO: Payday Super (employer obligations from 1 July 2026)
Treasury Laws Amendment (Payday Superannuation) Act, SG timing rules
australia.gov.au: national public holidays (2026-27 calendar)

Not a licensed financial service. Information only. Nothing on this page is financial, tax, or legal advice.