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We're back this week with a hugely important topic.

Payday Super is one of the biggest changes to hit Australian employers in years — and many businesses aren’t ready for the cash flow impact.

In this episode, Lee and Mai unpack what Payday Super actually means, why it’s a major shift from the current system, and how it could seriously affect small business cash flow if you’re not prepared.

From 1 July 2026, employers will be required to pay superannuation at the same time as wages, rather than quarterly. While the super rate itself isn’t changing, the timing is — and that timing could catch businesses off guard.

In this episode, Mai talks about:

• What Payday Super is and how it changes the current super guarantee system
• Why paying super quarterly will no longer be an option
• The cash flow shock many businesses are about to face
• What happens if you don’t have the cash available on payday
• ATO penalties, interest, and why “paying late” is no longer forgiven
• How mismatched debtor days vs pay cycles can create serious pressure
• Practical steps you can take now to prepare
• Why building cash reserves before July 2026 is critical

This episode is a must-listen for any business owner who employs staff (or pays themselves wages). 

Download our helpful checklist here: https://myaccountingadvantage.com.au/documents/MAA-Pay-Day-Super-2026-Checklist.pdf

Learn more about My Accounting Advantage

Disclaimer

The advice contained in this presentation is general in nature only and should not be acted on without first seeking professional advice.

Your personal circumstances have not been taken into account, and you should consider the appropriateness of the advice to your individual needs.