Superannuation

Super obligations handled, for employers and individuals

Whether it's meeting your employer SG obligations or making the most of personal contribution strategies, we make sure superannuation is working as hard as it should be.

11.5%

Current Superannuation Guarantee rate (2024–25 financial year)

1 July 2026

When Payday Super takes effect — super paid on the same day as wages

$27,500

Annual concessional (before-tax) contribution cap for 2024–25

Super is more than a compliance obligation

For business owners and employers, superannuation involves two distinct responsibilities: meeting your obligations to employees, and managing your own super strategically. Both matter — and both are easy to get wrong.

Missed Superannuation Guarantee (SG) payments attract significant ATO penalties, and the Superannuation Guarantee Charge is not deductible. On the other side, failing to make the most of personal contribution strategies can cost you significantly over time.

What we help with

  • Superannuation Guarantee (SG) compliance for employers — rates, due dates, and reporting
  • Single Touch Payroll integration with super obligations
  • Salary sacrifice strategies for owners and employees
  • Personal concessional and non-concessional contribution planning
  • Carry-forward contribution strategies for those with lower super balances
  • Spouse contribution and contribution splitting strategies
  • Super fund review and consolidation advice
  • Coordination with your SMSF accountant (if applicable)

Payday Super — 1 July 2026

From 1 July 2026, employers will be required to pay Superannuation Guarantee contributions on the same day as wages — rather than quarterly. This is a significant change that will affect cash flow planning and payroll systems for most employers.

We're helping our business clients prepare now — reviewing payroll systems, cash flow forecasting, and ensuring everything is in place before the deadline. If you haven't started thinking about this yet, now is the time.

Let's talk

Ready to work with an accountant who actually thinks about your future?