TTobyAI

What TobyAI covers

Super guarantee

Super guarantee and the charge for paying it late, including the payday super regime that applies from 1 July 2026.

What you get

The super guarantee owed on a pay run, capped at the maximum contribution base, from the attested rate for the year.

A truthful late-payment outcome: the shortfall and the components of the charge the Act sets, and a plain statement of any component that is not computed because its rate is unpublished.

Employer questions on who is an employee for super, ordinary time earnings and due dates, answered from the Act and the ATO's guidance.

Sources
Superannuation Guarantee (Administration) Act 1992 and Regulations 2018
Federal Register of Legislation, including the 2025 amendments for payday super.
Superannuation Guarantee Charge Act 1992
Federal Register of Legislation.
ATO super guarantee and super guarantee charge pages
Attested 31 August 2026 for 2025-26 and 3 September 2026 for 2026-27.
How you reach it

Payday readiness and remediation tools in the portal.

Research over the Acts, SGR rulings and the ATO pages.

How every figure is made

Calculated from rates and thresholds TobyAI holds with their source, the date they were checked and who signed them off. AI never decides a rate, a threshold, a date or a legal position.

Your data stays in Sydney. No name, tax file number, bank detail or salary reaches an AI provider, and nothing you send is used to train a model.

Status

Rate tables attested for 2025-26 and 2026-27. Choice loading under payday super is stated as not computed until the ATO publishes its rate.

Also covered

Launching 1 October: tax, super and payroll

1 October to 31 December: the rest

Then workplace health and safety, privacy, AML/CTF, Corporations Act and ASIC obligations, workers' compensation, the remaining awards, state land tax and duties, fuel tax credits and financial planning. The full order.

Ask it about your own numbers

Launching 1 October 2026. Sign up before launch for the founding rate.

Sign up now