Payday Super
Surviving the July 2026 “double whammy”
In July 2026, many SMEs face a one-off overlap: the last quarterly obligation (due 28 July) collides with payday super starting 1 July. If you do nothing, the month can look like 180%+ of normal super cash outflow.
What actually changes in 2026
The shift is timing. Super is no longer a quarterly cashflow event you can “catch up” later. In a payday model, the employer needs a disciplined routine: verify member details before payroll, submit, confirm receipt, and keep evidence.
Why July is uniquely dangerous
- Legacy debt: the final quarterly payment for Apr–Jun 2026 is due on 28 July.
- New reality: new payday super obligations are due throughout July.
- Practical impact: cash leaves the business faster, while payroll and creditors still need funding.
A simple buffer plan
- Use your trailing 12-month average monthly super outflow.
- Model July’s total outflow and squeeze factor.
- Stage a weekly buffer transfer (e.g. 12 weeks) into a dedicated account.
PayRunSuper’s calculator and dashboard are designed to make this routine visible and repeatable.