| |
|
|
|
New Tool · Free
You know Payday Super changed.
Do you know what it cost you?
We built a free tool that takes your actual numbers and tells you exactly what the new rules mean for your cash flow — in under 60 seconds.
|
| You've heard about Payday Super. Everyone has. But most of the coverage has been generic — what changed, when it changed, and a checklist of things to do. | | |
| What's missing is the number that actually matters: what does this cost your specific business? | | |
| That's what the Sharp Operator Payday Super Impact Calculator does. Five inputs. Three outputs. Free. | | |
|
What the tool gives you
|
→ Your working capital shift — the exact dollar amount your business has permanently lost from its cash buffer, based on your actual payroll
|
|
→ Your exposure rating — Low, Moderate, High, or Critical — based on your industry, payroll size, and cash buffer
|
|
→ A personalised action plan — specific steps for your situation, split between what needs doing now and what needs to change permanently
|
|
| It also generates a plain-English summary of your specific position — written in real time from your numbers, not copied from a generic template. | | |
|
Free · No login · Opens in your browser
Payday Super Impact Calculator
Your working capital shift. Your exposure rating. Your action plan.
|
| |
| See it in action |
| |
| Café Fitzroy |
| |
| Six staff, fortnightly pay, tight cash buffer — a typical Melbourne hospitality operation. Here's what the tool returns. |
| |
|
|
Payday Super Assessment
Café Fitzroy
|
6 staff · Fortnightly · Hospitality
|
|
|
|
Working Capital Lost
$7,920
Quarterly super buffer permanently removed
|
|
|
July Overlap Exposure
$9,644
June quarter + first new-regime run due at once
|
|
|
|
Exposure Rating
| |
|
|
|
|
|
|
| LOW |
|
MODERATE |
|
HIGH ◄ |
|
CRITICAL |
|
|
|
|
|
Action Plan
|
NOW
|
Model the July double-payment. The June quarter is still due 28 July — map your cash position across the first two pay cycles before it arrives. |
|
|
NOW
|
Talk to your bank about a business line of credit while your statements are clean — not after a cash crunch makes it a rescue conversation. |
|
|
ONGOING
|
Build cash buffer to at least 6 weeks of payroll. On hospitality margins, this is now a structural requirement. |
|
|
|
6 staff · avg. $24/hr · 35hrs/week · 12% SG · fortnightly pay · 2–4 week cash buffer · hospitality risk profile
|
|
| That's Café Fitzroy. Your numbers will be different. The link above runs the same calculation for your business in under 60 seconds. |
|
| If this is useful, send it to one other business owner. They've heard of Payday Super too. They probably haven't done this calculation. | | |
|
|
sharpoperator.net
·
Free tools
·
[email protected]
|
AI-assisted. Sharp Operator takes editorial responsibility.
|
|
Statistics: Employment Hero (300,000+ businesses); Hamilton Locke; Treasury Budget papers 2026–27. General information only — not financial advice.
|
|
| |