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Super | | 2 min read
Payday Super reforms start from 1 July 2026. This means employers are required to pay super contributions on the same day as salary and wages, rather than at least quarterly as they are currently required. In most cases you’ll see these contributions in your superannuation account within seven business days.
There’s nothing you need to do to get ready for the change.
What does this mean?
Many Australians will receive their super contributions sooner. This makes it easier to keep track of your super and means your money can start working for you earlier through compound returns.
Why does Payday Super matter?
The reforms are designed to improve retirement outcomes and reduce the risk of unpaid super. Here are three key reasons Payday Super is important:
1. Super in your account sooner
Instead of potentially only one contribution each month or quarter, you’ll now be able to see contributions in your super account each pay cycle. This makes it easier to track what’s coming in and check that you’re being paid what you’re entitled to.
2. Supports stronger retirement balances over time
When your super is paid earlier, it has more time to grow through compound returns. Over the long term, this can make a meaningful difference to your retirement balance.
3. Less unpaid super and better protection
Paying super at the same time as payday means it’s easier to spot late or missed payments. The ATO will have greater oversight and stronger penalties for employers who aren’t meeting their obligations.
What happens from 1 July 2026?
From 1 July 2026, you can expect to see super payments made more frequently – especially if your employer currently pays super quarterly.
In most cases, contributions will be paid into your super account within seven business days of you receiving your regular salary. There will be some exceptions, such as when you start a new job, but this will quickly transition to the same timing mentioned above. If you do change or close super funds, it’s important to advise your Employer promptly so that they can successfully send contributions to your preferred super fund.
Issued by Togethr Trustees Pty Ltd ABN 64 006 964 049, AFSL 246383 ("Togethr"), the Trustee of Equipsuper ABN 33 813 823 017 ("Equip Super"). The information contained is general advice and information only and does not take into account your personal financial situation or needs. You should consider whether this information is appropriate to your personal circumstances before acting on it and, if necessary, you should seek professional financial advice. Where tax information is included, you should consider obtaining taxation advice. Before making a decision to invest in Equip Super, you should read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for the product which are available at equipsuper.com.au. Financial advice may be provided to members by Togethr Financial Planning Pty Ltd (ABN 84 124 491 078 AFSL 455010) – a related entity of Togethr. Past performance is not a reliable indicator of future performance.
