A major payroll change is on the way — and it could hit your cash flow sooner than you think. From 1 July 2026, businesses will need to pay super at the same time as wages, rather than holding it until quarter-end. That means less delay, less float, and a much greater need for payroll systems and cash flow to work together seamlessly. If you run a business, now is the time to get ahead of it.

The new Payday Super rules are designed to help employees receive their super faster and reduce late or missed contributions. For business owners, though, the impact is practical: super will need to be managed in real time, alongside each pay run. That changes the game for cash flow, payroll processing, and compliance. Instead of relying on quarterly super payments, employers will need systems that can handle regular contributions accurately and on time. Businesses already using compliant payroll software and automated super processing will be in a strong position. Others may need to review their setup sooner rather than later. The good news? You don’t have to wait until 2026 to start preparing. In fact, the earlier you adjust your processes, the easier the transition will be.

The smartest move is to start building the habit now. Moving from quarterly to monthly super payments can help smooth the transition, improve discipline around cash flow, and reduce the pressure when the new rules take effect.

If you’d like to know whether your payroll systems are ready, or how Payday Super could affect your business cash flow, now is the perfect time to talk to us. Download our Payday Super Readiness Checklist. Need help preparing for Payday Super? Let’s make sure your business is ready well before 1 July 2026.

Need Help with your Business, Bookkeeping, Tax or SMSF requirements?

If you would like a little help, please get in touch with us for assistance. We can help with your business, bookkeeping, tax and SMSF requirements. To book an appointment, use our online booking system, give us a call on 07 3289 1700, or email us at reception@rgaaccounting.com.au.We look forward to assisting you this tax season!

Please also note that many of the comments in this publication are general in nature and anyone intending to apply the information to practical circumstances should seek professional advice to independently verify their interpretation and the information’s applicability to their particular circumstances. Should you have any further questions, please get in touch with us for assistance with your SMSF, business, bookkeeping and tax requirements. All rights reserved. Brought to you by RGA Business and Tax Accountants. Liability Limited by a scheme approved under Professional Standards Legislation.