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Australia Retirement Calculators

Free, localized retirement planning tools updated for the 2026 financial year in Australia.

From 1 July 2026, superannuation must arrive in your fund within 7 business days of every payday, ending the quarterly float employers enjoyed for decades. The two tools here cover both sides of that reform: the employee calculator prices the compounding dividend of faster deposits and the collapse in unpaid-super risk, while the compliance calculator shows employers the true cost of missing the window, the Superannuation Guarantee Charge with daily-compounding interest and an administrative uplift of up to 60%, none of it tax-deductible.

Available calculators

Calculator

Payday Super Impact Calculator

Calculate the compounding interest savings of weekly or fortnightly super contributions versus quarterly payments.

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Calculator

Payday Super Compliance Calculator

Estimate the business cash flow and working capital interest impact of moving from quarterly to per-cycle Payday Super contributions.

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Government-Sourced DataAll calculators built from official regulatory sources by Galvin Mendonca, Finance Researcher
All figures from primary government sources. Last updated July 2026.

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