Free tool
Payday super cash flow calculator.
Calculator
How much super leaves with each pay run?
Runs in your browser at the 12% SG rate. Nothing is stored or sent.
Assumes the 12% super guarantee rate and an average 10.5 weeks of quarterly float previously held before remittance. Indicative only — not financial advice.
Working capital now leaving weekly
$169,116
- Super per pay run
- $9,990
- Super per year
- $519,480
- Quarterly float lost (10.5 wks avg)
- $104,895
- Progress claim funding gap (45 days)
- $64,221
Under payday super, contributions must be received by the fund within 7 business days of payday. On weekly pays with 45-day claim terms, you fund roughly 6.4 pay runs of super before the claim lands.
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Payday super questions
What is payday super?
Since 1 July 2026, employers must pay super at the same time as wages, with contributions received by the fund within 7 business days of payday. Quarterly remittance is gone.
Why does it hit construction harder?
Weekly pay cycles plus 30 to 60 day progress claim terms plus retention means you fund several pay runs of super before the money for that work arrives. The float you used to hold for a quarter is gone.
What is the super guarantee rate now?
12% of ordinary time earnings, and in construction OTE includes all-purpose allowances — a detail that materially changes the number.
How does Project Payroll handle it?
Super is calculated and remitted automatically with every pay run, and appears in your job costing as an on-cost against the cost code the hours came from.
Reviewed August 2026. Indicative modelling, not financial advice.