Compliance
What To Do If Your Employer Is Not Paying Super
Short answer
First confirm what you are owed: 12% of your ordinary time earnings. Then check your fund's transactions, because from 1 July 2026 Payday Super requires contributions to arrive within 7 business days of each payday. If they are missing or late, put it in writing to your employer, then lodge an unpaid super enquiry with the ATO.
Confirm what is owed
Your employer must pay 12% of ordinary time earnings to your fund. Compare your payslip's super line and your fund's received contributions. Use the super calculator to check the expected amount.
Report unpaid super
If super is missing or persistently late, the ATO investigates unpaid super. Keep your payslips and fund statements as evidence. Acting early protects your retirement savings.
Frequently asked questions
How often must super be paid?+
Employers must pay super regularly; reforms are aligning super more closely with payday.
How do I report unpaid super?+
Lodge an unpaid super enquiry with the ATO with your details and evidence.
Does super show on my payslip?+
Yes - the amount and fund should be shown, though it appearing does not always mean it has been paid.
Sources & methodology
- ATO - Personal income tax: new tax cuts (15% rate from 1 July 2026)
- Income Tax Rates Act 1986 (legislation.gov.au)
- ATO - Study and training loan repayment thresholds and rates
- ATO - Super guarantee
- ATO - Contribution caps
- ATO - Payday Super and the annual maximum contribution base
- ATO - Medicare levy
- ATO - Medicare levy surcharge income thresholds and rates
- Fair Work Ombudsman - Pay slips
- How we calculate these estimates
Last updated 13 August 2026. Figures use the 2026-27 financial year.
Related calculators & guides
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