What could non-compliant payroll actually cost you?
Payday Super is changing the rules for every employer in Australia.
Use this calculator to estimate your exposure and find out if your payroll is ready.
50%
max SGC penalty loading
~10.6%
GIC daily compound rate
7 days
to pay super per pay run
1 July
when the new rules start
Find your number
Adjust the inputs below to match your situation. Your exposure estimate appears instantly.
Your payroll details
Number of employees
5
1
50
Average employee wage per year
$65,000
$40k
$150k
Your current setup
Your estimated exposure from 1 July 2026
Annual super liability
-
super owed per year
Potential SGC loading
-
up to 50% penalty
GIC interest (90 days)
-
at ~10.6% compounding
Total exposure estimate
-
if left unresolved
Get compliant before 1 July - it's closer than you think.
Jo at In Control Bookkeeping offers a free 10-minute triage call to tell you exactly where your payroll
stands. No jargon, no obligation - just clarity before the deadline.
This is an estimate based on your inputs and current ATO rates. Actual exposure may be higher
or lower. In Control Bookkeeping recommends a full payroll review to determine your true position. This tool
does not constitute financial or legal advice.
