Since 1 July 2026, employers must pay super every pay cycle — reaching your fund within 7 days of payday. The first thing to check is the payslip itself.
Enter your pay details and the two payslip figures to run the check.
Until June 2026, employers could hold your super and pay it quarterly — a payslip's super line was months away from being real money in your fund. From 1 July 2026, super must be paid every pay cycle and reach your fund within 7 days of payday. That makes the payslip worth checking each cycle: the super line should be 12% of your ordinary earnings, and the tax withheld should follow the ATO's published withholding schedule for your pay frequency. Neither number requires trust — both are checkable, which is what this page does. The tax figure feeds your annual position: to see where the year lands, the tax calculator runs the full return maths, and if you're salary sacrificing, remember it lowers the gross your withholding schedule is applied to — a legitimate reason your figures differ from the standard schedule.
From 1 July 2026, employers must pay superannuation at the same time as wages — every pay cycle, not quarterly — with contributions required to reach the employee's fund within 7 days of payday. The change was legislated in 2025 (payday superannuation reforms) and is now in force. The super guarantee rate is 12% of ordinary time earnings.
Because employers don't withhold using annual tax brackets — they use the ATO's withholding schedules (Schedule 1, NAT 1004), which are separate per-pay-period formulas with their own coefficients and rounding rules. The two methods routinely differ by several dollars a fortnight, and it reconciles at tax time. This checker uses the actual schedule formulas, so a regular unchanged pay should match your payslip closely.
First check what the 12% is calculated on: the super guarantee applies to ordinary time earnings (OTE), which excludes most overtime — so if your gross includes overtime, the percentage will look low without anything being wrong. If it's still short on your ordinary earnings, it's worth asking payroll to walk you through the calculation. You can also check what actually arrived in your fund via your fund's app or myGov, and the ATO has a formal process for reporting unpaid super if a real gap is confirmed.
Usually not. Most payroll systems include the study loan (STSL) withholding inside the single tax withheld figure rather than showing it separately. That's why this checker asks whether you have a HELP debt and compares your payslip's tax figure against the combined schedule amount — the way payslips actually present it.
No — a payslip can only show the super your employer has accrued for that pay, not whether the money reached your fund. Under payday super rules the contribution must arrive within 7 days of payday. To verify arrival, check your fund's app or member portal, or the super information shown in myGov. This tool verifies the payslip numbers; your fund verifies the payment.
Common legitimate reasons: you claimed a tax offset or Medicare levy variation on your withholding declaration; you asked for extra tax to be withheld; you salary sacrifice (which lowers the gross the schedule is applied to); this pay included a bonus, back pay or leave loading (different schedules apply); or your employer runs a 27-fortnight year adjustment. A difference is a prompt to ask payroll a question — not evidence anyone has done the wrong thing.