Payday +7 — Australian Payroll Super Compliance | Skip the Subscription
M
Mary
Queensland
just downloaded Payday +7 PayCalc
2 minutes ago
⚠ New law in effect 1 July 2026 — super must reach employee funds within 7 business days of payday. Late payments attract penalties, interest & admin fees.
Payday Super Deadline — 1 July 2026
Skip the Subscription. Own Your Payroll.
The 7-day super rule is coming. Most SMBs aren't ready. Payday +7 keeps you compliant — buy once, use forever, no monthly fees.
⚠ Miss the deadline? SGC penalties apply automatically.
Free Cash Flow Calculator
Do you have enough cash set aside?
Super now needs to be ready to go before payday — not after. Enter your payroll figure to see exactly how much you need to have set aside each pay run.
Payday Super Cash Flow Calculator
How much super do you need to have ready before each payday?
Cash Reserve Needed
$—
Have this ready before each payday (SG at 12%)
Annual Super Obligation
$—
Total across all pay runs
Need to track deadlines, employees & fund details?
Payday +7 Starter calculates your exact 7-business-day deadline per pay run — including public holidays for your state.
The rules just got stricter. Is your business ready?
From 1 July 2026, the ATO expects super in your employees' accounts — not just sent — within 7 business days of payday. Most small businesses don't realise how much this changes their cashflow planning.
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The 7-Day Clock Starts at Payday
Super must be received by the fund within 7 business days — not just lodged. Public holidays count. Processing delays count. You need to initiate by Day 5 to be safe.
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The SBSCH Is Closing
The ATO's Small Business Superannuation Clearing House closes on 1 July 2026. You'll need to pay directly to each fund — and know the exact deadlines for each pay run.
🚨
Late Payments Mean the SGC
Miss the deadline and the Super Guarantee Charge kicks in automatically — unpaid super, 10% interest per annum, and $20 admin fee per employee per quarter. Non-deductible.
⚠ There is no grace period.
The SGC applies the moment you miss the 7-business-day window. It cannot be waived. The only way to avoid it is to have your super in the fund on time, every time.
What People Are Saying
Built for real businesses.
★★★★★
"Finally something that does exactly what I need without a monthly subscription. I open it, enter the pay date, and I know exactly when to hit send. That's it."
S
Sarah T.
Small business owner, NSW
★★★★★
"I manage bookkeeping for 8 clients. The Pro version is perfect — each client has their own tab, I export the CSV, done. No software subscription, no drama."
R
Renee M.
Bookkeeper, QLD
★★★★★
"My accountant told me the SBSCH was closing and I panicked. Found this, paid $49 and I was sorted in 10 minutes. Absolute no-brainer for the price."
D
Dean K.
Tradie, 4 employees, VIC
The Tools
One payment. No subscription. Full compliance.
Every Payday +7 tool is a one-off purchase — download it, open it in your browser, and it works forever. No logins. No monthly fees. Yours to keep.
For a Friday payday with no public holidays, your fund must receive super by the following Thursday. That means initiating your transfer by Tuesday — allowing two business days for EFT processing. Payday +7 calculates this automatically for every pay run.
Day 0
Payday (Fri)
Day 1
Mon
Day 2
Tue
Day 3 ★
Initiate EFT
Day 4
Wed (fund receives)
Day 5
Thu
Day 6
Fri
Day 7 ⚠
Hard Deadline
Free Download
Your Payday Super Readiness Checklist
Everything you need to do before 1 July 2026 — in one printable checklist. Free.
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Confirm all employee super fund details are up to dateUSI, BSB, account number and member reference for every employee.
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Set up your new super payment workflowSBSCH closes 1 July 2026 — you'll need to pay directly to each fund.
✓
Calculate your cash reserve requirementsKnow exactly how much to have set aside before each payday.
✓
+ 9 more steps inside the checklistEnter your email below to unlock the full PDF.
Get the Free Checklist
Enter your email and we'll send it straight to you — no spam, ever.
One-off payment. Your file downloads instantly — no account required, no subscription, no ongoing fees.
2
Open in Your Browser
Double-click the .html file — it opens in Chrome, Safari or Edge. No install needed. Works on Mac, Windows and iPad.
3
Enter Your Pay Date
The calculator works out your exact 7-business-day super deadline, including public holidays for your state or territory.
4
Export & Pay on Time
Download your CSV pay run summary, initiate direct bank transfers to each fund, and lodge STP via GovReports. Done.
Common Questions
Everything you need to know
What exactly is the Payday Super rule?+
From 1 July 2026, employers must ensure superannuation contributions are received by the employee's chosen fund within 7 calendar business days of payday. Previously, super only needed to be paid quarterly. The ATO's enforcement mechanism — the Super Guarantee Charge (SGC) — applies automatically if you miss the deadline.
The SBSCH is closing — what do I do instead?+
The ATO's Small Business Superannuation Clearing House closes on 1 July 2026. After that date, you'll need to pay super directly to each employee's fund via bank transfer (BSB + account number) or via a compliant clearing house. Payday +7 stores each employee's fund details and calculates their individual SG amount, so you have everything needed for direct payments in one place.
Does the PayCalc handle Medicare levy and HELP repayments?+
Yes — the PayCalc automatically calculates Medicare levy (2% of taxable income above the low-income threshold) and HELP/HECS repayments based on ATO income thresholds. It also handles TFN withholding (standard rate) and the higher no-TFN withholding rate (47%) for employees who haven't provided their Tax File Number.
Does the tool work without the internet?+
Yes — once downloaded, Payday +7 is a standalone HTML file that runs entirely in your browser. No internet connection required. Your data is saved to your browser's local storage on your device.
What if I change computers or clear my browser?+
Your data is stored in your browser's local storage — it doesn't sync to the cloud. Use the Export CSV button regularly to save a backup of your employee data and pay run records. If you clear browser data or switch devices, re-entering employees from your CSV backup is quick.
Is this suitable for bookkeepers managing multiple clients?+
Yes — the Pro (10 clients) and Pro Unlimited editions are designed for bookkeepers and accountants. Each client gets their own separate workspace with their own employee data, deadlines and pay run history. One file, multiple clients, zero subscriptions.
Do I still need expensive payroll software?+
No. Payday +7 + GovReports gives you everything you need for full payroll compliance — without the ongoing subscription cost of MYOB, Xero or similar platforms.
Payday +7 handles your super calculations, deadline tracking and employee records. Your CSV export is STP Phase 2 compatible and imports directly into GovReports — an ATO-connected, SBR-enabled platform for lodging Single Touch Payroll reports directly to the ATO. It's low-cost, no locked-in subscription, and works alongside the free ATO online services.
For most small businesses, this combination replaces the need for a full payroll software subscription entirely.
1 July 2026 is coming. Are you ready?
Buy once. Use forever. No subscription. Full Payday Super compliance from $49.