Must be received and allocatable by
Thu, 3 Sep 2026
Received and allocatable by the fund — not merely sent
Australia · From 1 July 2026
Know when Super Guarantee must reach the fund
Free pure deterministic Super Guarantee engine for due dates and working papers. 7 and 20 business days from 1 July 2026. Accuracy-first with a full audit trail (Rule 2026.2.0). Latest safe is a Harbour working-paper buffer — not statute. Works beside Xero, MYOB and Employment Hero — not a payroll system, not a clearing house, and does not lodge SuperStream. CSV and PDF exports with no account required. Human confirmation gates stay on money movements and filings — you stay in control.
- Counting 7 business days
- 7 business days (QE day not counted)
- 20 days for new employees / new funds
- SG 12% · MCB 2026–27 $270,830
- Working papers · CSV & PDF free
Rule 2026.2.0 · Pure deterministic SG engine · Full audit trail on every pack
No account required for CSV/PDF · Nothing is lodged · Confirm independently.
Free 45-day practice pilot — up to 15 client seats. Not the Starter plan. Does not charge. For Accountants
Does not charge. Checkout is not live while the operating entity is unpublished.
This Payday — Start Here
Enter the payday and the total Qualifying Earnings amount to see the exact date the Super Guarantee must be received by the fund, plus the optional Harbour latest-safe buffer. Nothing is filed or lodged from this screen.
The payday the earnings are paid. Not counted in the 7 or 20 business days.
Adjust by $100. You can still type any amount.
Total Qualifying Earnings for this payday. 12% is the Super Guarantee. Two decimal places.
Latest safe pay date
Tue, 1 Sep 2026
Harbour working-paper date (not the statutory deadline).
This payday SG
$240.00
12% of the amount you typed. YTD MCB is not applied on this screen.
Download evidence pack (PDF / CSV)Save this working paper (free account — keep drafts)
Does not charge. Checkout is not live while the operating entity is unpublished.
Starter $29 · Growth $79 · Accountant $199
Show skipped days
Days excluded from the 7 / 20 business-day count
- 29 Aug 2026 — Saturday
- 30 Aug 2026 — Sunday
Working paper
Harbour Working Paper · Rule 2026.2.0. Expand for a mini receipt of the sample working paper.
Harbour Working Paper
Rule 2026.2.0 · example working paper
- Qualifying Earnings day
- 18 Aug 2026
- Must be received and allocatable by
- 27 Aug 2026
- Latest safe
- 25 Aug 2026
- This payday SG
- $240.00
Practice working paper — not a lodgement.
7 vs 20 business days
Usual window 7 business days after payday. First contribution to a new employee or new fund: 20. Payday is not counted.
Usual window is 7 business days after payday. Tick First contribution for 20 business days when it is a new employee or the first contribution to a new fund. The payday (Qualifying Earnings day) is not counted. Harbour does not decide whether 7 or 20 applies. Method
Export CSV/PDF
Working-paper CSV and PDF — no account. Not a lodgement.
After a result on this page, download the current on-screen pack. Filename harbour-working-paper-YYYY-MM-DD.csv or .pdf. Practice working paper — not a lodgement and not an ATO determination.
Works beside your existing stack
Harbour calculates the 7- and 20-business-day statutory dates and produces accuracy-first working papers with a full audit trail. Conservative Qualifying Earnings handling pending final appellate guidance — Harbour does not decide what counts as Qualifying Earnings; you enter the amount. It does not replace payroll systems and does not lodge SuperStream. You confirm with the ATO.
From your payroll (Xero · MYOB · Employment Hero)
Coming — file importHarbour Working Paper
Evidence packs (PDF / CSV)
You confirm with the ATO
Harbour is not affiliated with Xero, MYOB, Employment Hero, or the ATO. Names are text labels only — not a logo wall and not an endorsement.
Methodology & full responsibility
Rule 2026.2.0 · Received and allocatable rules · Full responsibility statement
Not advice. Confirm independently. Harbour does not lodge SuperStream. You remain solely responsible for all Super Guarantee obligations. Confirm all outputs with the ATO and your own adviser.
Strong disclaimers apply. Human confirmation gates on money movements and filings.
AI-powered compliance support tool only. Not professional, legal, tax or financial advice. Does not replace advice from a qualified accountant or lawyer. User remains solely responsible for all Super Guarantee obligations, calculations, payments and filings. Confirm all outputs independently. Harbour accepts no liability for SGC, interest, penalties or other consequences.
- 7 business days after the Qualifying Earnings day. The Qualifying Earnings day (2026-08-25) is not counted.
- On time means the fund has received the money and can allocate it — not that you have sent it.
- Skipped days: 2026-08-29 Saturday; 2026-08-30 Sunday.
- Paying on the statutory due date via a clearing house is usually late.
Published Rule 2026.2.0 · Auditable pure JS
View working-paper evidence pack
Harbour
Harbour Working Paper · Rule 2026.2.0
Harbour working-paper evidence pack
Inputs
Qualifying Earnings day
2026-08-25
Amount typed
$2,000.00
First-contribution flag
No · 7 business days
Latest-safe buffer
Unknown clearing house · 2 business days
Calculated
Must be received and allocatable by
2026-09-03
Received and allocatable — not merely sent
Latest safe
2026-09-01 — Harbour 2 business days buffer, not statute
Harbour working-paper date (not the statutory deadline)
This payday SG
$240.00 — 12% of the amount typed. YTD MCB is not applied on this pack.
Notes
Skipped-day list
2026-08-29 Saturday; 2026-08-30 Sunday — Qualifying Earnings day +1 through statutory due exclusive (Saturday / Sunday / nationwide public holiday)
MCB 2026-27
Maximum contribution base 2026–27 is $270,830.00 per employer. Not applied.
Qualifying Earnings not decided
Harbour does not decide what counts as Qualifying Earnings. You enter the Qualifying Earnings amount.
Out of scope
out-of-cycle pay, exceptional circumstances, bunching, and on-time treatment of an unapplied eligible contribution in the 12 months ending the day before the Qualifying Earnings day (LCR 2026/2 [40])
Responsibility
Not advice
Not advice. You remain solely responsible for Super Guarantee obligations. Harbour does not lodge SuperStream. Confirm all outputs with the ATO and your adviser.
Not advice. Not a tax agent. Not an AFSL holder. Harbour does not lodge SuperStream. Confirm independently.
Rejection / resubmit notes (optional)
Your inputs for a practice working paper. Not a SuperStream lodgement.
Harbour
Harbour Working Paper · Rule 2026.2.0
Harbour working-paper evidence pack
Inputs
Qualifying Earnings day
2026-08-25
Amount typed
$2,000.00
First-contribution flag
No · 7 business days
Latest-safe buffer
Unknown clearing house · 2 business days
Calculated
Must be received and allocatable by
2026-09-03
Received and allocatable — not merely sent
Latest safe
2026-09-01 — Harbour 2 business days buffer, not statute
Harbour working-paper date (not the statutory deadline)
This payday SG
$240.00 — 12% of the amount typed. YTD MCB is not applied on this pack.
Notes
Skipped-day list
2026-08-29 Saturday; 2026-08-30 Sunday — Qualifying Earnings day +1 through statutory due exclusive (Saturday / Sunday / nationwide public holiday)
MCB 2026-27
Maximum contribution base 2026–27 is $270,830.00 per employer. Not applied.
Qualifying Earnings not decided
Harbour does not decide what counts as Qualifying Earnings. You enter the Qualifying Earnings amount.
Out of scope
out-of-cycle pay, exceptional circumstances, bunching, and on-time treatment of an unapplied eligible contribution in the 12 months ending the day before the Qualifying Earnings day (LCR 2026/2 [40])
Responsibility
Not advice
Not advice. You remain solely responsible for Super Guarantee obligations. Harbour does not lodge SuperStream. Confirm all outputs with the ATO and your adviser.
Not advice. Not a tax agent. Not an AFSL holder. Harbour does not lodge SuperStream. Confirm independently.
Keep this working paper
These results disappear when you close the tab (max 5 drafts in this browser).
Save this working paper (free account — keep drafts)0/5 saved in this tab. Name is a label, not a TFN.
Starter $29 (unlimited + 10 clients) · Growth $79 · Accountant $199
Free 45-day practice pilot — up to 15 client seats. Not the Starter plan. Does not charge.
Accountant book: portfolio Super Guarantee Charge exposure visibility across client labels — not a liability quote and not a fine calculator. One material Super Guarantee Charge event avoided pays for years of subscription.
Practice pilotDoes not charge. Checkout is not live while the operating entity is unpublished.
Nothing is lodged. You stay in control.
Keep using the public calculatorunknown / default CH (2 business days)
Cash-flow assumption
See the extra working capital Payday Super may require each payday.
Payday Super moves super from a quarterly hold to a due-date clock. This panel models the cash-flow impact of that shift — peak extra working capital and shortfall pressure — using employee count, average Qualifying Earnings, bank balance and receivables lag.
It is an assumption only. Not advice, not a forecast you file, and it does not change the statutory due date or latest-safe buffer above. Fortnightly, 13-week notional quarter. Harbour does not lodge SuperStream.
Statutory due (fund must have it)
Thu, 3 Sep 2026
7 business days after payday · received and allocatable
Latest safe pay date
Tue, 1 Sep 2026
Unknown clearing house · 2 business days Harbour buffer, not statute. Paying on the statutory due date via a clearing house is usually late.
This payday SG
$240.00
$2,000.00 Qualifying Earnings (employees × average / payday) × 12%. YTD MCB is not applied.
Peak extra working capital
$1,440.00
Cash that leaves earlier than the old quarterly model. Assumption (fortnightly, 13-week notional quarter). Not statute.
Days to first shortfall
9
First pressure Thu, 3 Sep 2026. Calendar days until the first modelled shortfall day. Assumption — not statute. Does not change the dates above.
Inputs
Updates instantly. Nothing is filed or paid from this screen.
What is receivables lag?*
How many days you wait after payday before customer money lands (debtors / AR). Not money you owe suppliers (creditors / AP). 0 = paid on payday / COD. Longer lag = more shortfall pressure in this assumption.
Maximum contribution base
2026-27 annual cap $270,830.00. Further SG is not compulsory once YTD Qualifying Earnings reaches the base. This screen does not apply YTD MCB.
1% of the annual base used after this payday · remaining $268,830.00
Cash-flow assumption (graph)
- Payday Super
- Old quarterly
- Bank after payday model
Chart loads with the series.
Fortnightly · 13-week notional quarter · Assumption — not statute · Does not change the dates above
This chart compares cash leaving under the old quarterly rhythm vs Payday Super’s due-date clock (Inputs above).
Teal = cumulative super under Payday Super. Stepped band = old quarterly. Orange = modelled bank after payday outflows (negative = drawn down).
Hover for exact dollars. Use it to see pressure timing and buffer size — not advice, not a filed forecast, not SuperStream lodge.
Cash-flow impact: quarterly float vs Payday Super
Old quarterly float
$562.25
est. average float held
New payday timing
$240.00
required near payday
Incremental working-capital pressure: $1,440.00 · Shortfall amount: $6,240.00 · Assumption — not statute. Does not change the dates above.
- Rule 2026.2.0Published pack
- CSV / PDF freeNo account
- 7 / 20 business daysPayday not counted
- Nothing lodgedYou stay in control
Upcoming · sample receipt
| Client | Payday | Statutory due | SG amount | Status |
|---|---|---|---|---|
| Sample | 18 Aug 2026 | 27 Aug 20267 business days from QE day (payday not counted). | $240.00 | Due in 2 business daysThis week |
Harbour Working Paper
Rule 2026.2.0 · example working paper
- Qualifying Earnings day
- 18 Aug 2026
- Must be received and allocatable by
- 27 Aug 2026
- Latest safe
- 25 Aug 2026
- This payday SG
- $240.00
Practice working paper — not a lodgement.
When must super be received by the fund?
Usual window is 7 business days after payday. Tick First contribution for 20 business days when it is a new employee or the first contribution to a new fund. The payday (Qualifying Earnings day) is not counted. Harbour does not decide whether 7 or 20 applies. Method · ATO payment deadlines
Received and allocatable — not merely sent
On time means the fund has received the money and can allocate it. Paying on the statutory due date via a clearing house is usually late. Method
Latest safe is a Harbour working-paper date
Not the statutory due date and not an ATO deadline. Harbour subtracts a buffer so the contribution is more likely to be received and allocatable before the legal deadline. Paying on the statutory due date via a clearing house is usually late.
- Unknown clearing house · 2 business days
- Known fast rail · 1 business day
Default unknown clearing house: not sure how fast the rail settles — Harbour subtracts 2 business days. On the calculator that is latest safe 25 Aug when statutory due is 27 Aug (18 Aug payday, 7 business days). Optional known fast rail: 1 business day, so latest safe 26 Aug on that same payday. Still not statute. Confirm with your payroll or clearing house. Harbour does not certify NPP, SuperStream, or on-time arrival. Method
Working-paper CSV and PDF — no account
After a result, download the current on-screen pack with no account. Filename harbour-working-paper-YYYY-MM-DD.csv or .pdf. It is a practice working paper — not a lodgement and not an ATO determination. Cash-flow stays off the pack.
Face order: Header (Harbour mark, title, Rule 2026.2.0) → Inputs (Qualifying Earnings day, amount typed, first-contribution flag) → Calculated (statutory due, latest safe, this payday SG) → Notes → Responsibility → Footer (operator — ABN not yet published; full Codex stamp).
Sample working paper (Rule 2026.2.0): 18 Aug 2026 / $2,000 / first contribution unticked → statutory 27 Aug, latest safe 25 Aug, this payday SG $240.00. Method · Get plan · Open workbench