Payday Super starts on 1 July 2026.

That is next week.

If you run a physio practice and employ staff, now is the time for a final check. Not a huge review. Not a big strategy session. Just the basics that need to be right before the first pay run under the new rules.

The main change is simple: super will need to be paid much closer to payday.

For many small practices, that is a big shift. If you are used to paying super every three months, this may change how you run payroll and manage cash flow.

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Check your payroll software

Start with your payroll system.

Make sure it is up to date and ready for Payday Super.

Check that:

• each employee is listed correctly
• super fund details are complete
• tax file numbers are recorded
• dates of birth are right
• ordinary time earnings are set up properly
• casual and part-time staff are included

These sound like small things. But small errors can stop a super payment from going through.

And no one wants to be fixing that after the deadline.

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Check how super will be paid

Do you know exactly how super will leave your bank account after each pay run?

If you use a clearing house, check that it still works for your setup.

If your payroll software sends super payments, check that process too.

Do not assume it works just because wages work. Super can fail even when wages go through fine.

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Check your cash flow

This is the part that may catch practice owners out.

If you are used to paying super every quarter, you may need cash ready more often now.

A simple rule helps:

When you pay wages, treat the super as already gone.

Do not leave it sitting in the business account and hope it is still there later. Rent, wages, suppliers, loans, tax bills, and new equipment can eat cash quickly.

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Check new staff and changed staff

Payroll mistakes often happen when someone is new or when their hours change.

So check:

• new employees
• casual staff
• part-time staff
• staff who recently left
• staff with changed hours
• staff with new super fund details

It is much easier to fix these details now than after the first Payday Super pay run.

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Check who should get super

Some physio practices use both employees and contractors.

This can get messy.

If someone is really an employee, you may need to pay super for them. In some cases, contractors may also need super.

Do not guess on this one.

If you are unsure, ask your accountant or bookkeeper before the first July pay run.

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What if you are not ready?

Do not panic.

But do act today.

Contact your accountant, bookkeeper, or payroll provider. Ask them to check your payroll setup before your first pay run after 1 July.

A quick check now is much better than fixing a missed payment later.

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Final check

Before Payday Super starts, ask yourself:

• Are staff details right?
• Is the software ready?
• Do I know how super will be paid?
• Is the cash set aside?
• Have I checked any contractors or odd work arrangements?

If the answer is yes, you are in a much better spot.

If the answer is no, you still have time to fix it. But not much.