As an employer in Australia, keeping track of your superannuation due dates is not just important — it’s essential for compliance and for avoiding costly penalties. Many businesses get caught out by not knowing when superannuation is due, which can cause unnecessary stress and cash flow headaches.
In this article, we’ll break down the key super payment due dates for the 2025–2026 financial year, explain when to pay super, and help you stay on top of your super guarantee obligations.
📅 When Is Superannuation Payable?
Employers must pay the Superannuation Guarantee (SG) contributions for eligible employees at least quarterly. The superannuation guarantee rate is 12% for 2025–26, following the increase on 1 July 2025.
The general rule is: super contributions are payable quarterly, but many employers choose to pay monthly to better manage cash flow and stay ahead of deadlines.
✅ Key Superannuation Due Dates for 2025–2026
Here are the official super guarantee due dates for each quarter in FY 2025–26:
| Quarter | Period Covered | Super Payment Due Date |
|---|---|---|
| Q1 | 1 July – 30 September 2025 | 28 October 2025 |
| Q2 | 1 October – 31 December 2025 | 28 January 2026 |
| Q3 | 1 January – 31 March 2026 | 28 April 2026 |
| Q4 | 1 April – 30 June 2026 | 28 July 2026 |
👉 Tip: If the due date falls on a weekend or public holiday, make sure your payment is made by the next business day.
📌 Monthly Super Payment Due Dates
While not legally required, many employers choose to make monthly super payments. If you do, make sure your payments still align with or beat the quarterly superannuation due dates to avoid any Super Guarantee Charge (SGC) penalties.
⚠️ What Happens If You Miss a Super Deadline?
Missing a due date means you must lodge a Superannuation Guarantee Charge (SGC) statement and pay the charge to the ATO. This includes the unpaid super, plus interest and an admin fee — and it’s not tax deductible. Staying ahead of your super deadlines protects your business from extra costs and ATO audits.
📈 What Is the Superannuation Guarantee Rate for 2025–26?
The Super Guarantee rate is:
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11.5% for 1 July 2024 – 30 June 2025
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Expected to increase to 12% from 1 July 2025 (pending any legislative changes)
Always check the latest ATO updates to confirm rates for future years.
✅ Stay Compliant with Accurate Super Payments
If you’re wondering when superannuation is payable, how often super should be paid, or when to pay employer super contributions, remember:
✔️ Pay at least quarterly
✔️ Consider monthly payments for better cash flow
✔️ Use clearing houses early to meet due dates (the payment must reach employees’ super funds on time, not just leave your account)
Need Help Staying on Top of Your Super Obligations?
Managing super payments correctly can be stressful — but it doesn’t have to be. At PrepMyBook, we help Australian businesses stay ATO-compliant by managing payroll, superannuation lodgements, and all your bookkeeping needs.
✅ Never miss a super due date again
✅ Save time and avoid penalties
✅ Focus on running your business — we’ll handle the rest
Contact PrepMyBook today to keep your superannuation payments on track and your business stress-free!
