New Years Offer - usually $249 now only $99
SmallBiz Super Check
Behind on Super? Self‑Audit Unpaid Super & SGC in
30 Minutes.
A step‑by‑step super guarantee self‑audit for Australian small business owners to find late or unpaid super, estimate Super Guarantee Charge and avoid director penalties.
Usually $249 - now only $99. Limited time offer.
The ATO Is Cracking Down on Unpaid Super and Late Super Guarantee Payments
If you’ve missed or delayed super guarantee payments, you risk the Super Guarantee Charge and an ATO super guarantee audit, even as a small employer.Unpaid super is a multi‑billion dollar problem in Australia each year, with millions of workers missing entitlements and the ATO ramping up audits and enforcement against small businesses. Late or missed payments can trigger SGC, penalties of up to 200% of the shortfall, and even Director Penalty Notices that make you personally liable.This pack gives you a structured way to work out whether you’re actually behind, how much you owe by employee and quarter, and what to do before the ATO escalates action.
See in black and white whether your super is up to date or behind.
Calculate shortfalls by employee and quarter using simple worksheets.
Follow a step‑by‑step SGC lodgement script instead of guessing through the ATO portal.
Understand your DPN risk and how to talk to the ATO about payment plans if cash is tight.
Get ready for payday super from 1 July 2026 so you don’t fall behind again.
45-Page pdf + excel worksheet - usually $249 - now only $99 for a limited time only. Don't risk paying thousands in penalties out of your pocket.
What You Get Inside the SmallBiz Super Check SG Audit Pack
This unpaid super and SGC self‑audit pack is built for Australian small businesses that want to run their own super guarantee audit before calling an accountant.
Audit worksheets that actually do the math
Single‑quarter and full‑year worksheets to plug in your payroll, super payments, and dates, so you can see exact shortfalls at 11.5% and 12% SG.
Worked examples from a sample small business (“Café Co”) so you can copy the process with your own numbers.
Damage control roadmap if you're already late
A timeline of what to do in the first 48 hours, within one week, and by the SGC due date if you’ve missed or underpaid super.
A plain‑English walkthrough of the SGC statement lodgement process in online services, including what each field is asking for.
Guidance on payment plans, DPNs and talking to the ATO
Scripts and checklists for calling the ATO to set up a payment plan if you can’t pay the full SGC at once.
An explanation of Director Penalty Notices, how they arise, and what evidence helps when asking for remission.
Future‑proofing with payday super and a 12‑month planner
A practical checklist to get your payroll software and processes ready for payday super from 1 July 2026.
A monthly / quarterly / annual super compliance planner so you stay on top of obligations in under 30 minutes a month.
45-Page pdf + excel worksheet - usually $249 - now only $99 for a limited time only.Stop guessing about unpaid super - know your exposure in 30 minutes.
What Happens After I Buy the Super Guarantee Self‑Audit Pack?
Download the pack, pull your payroll and super reports, and work through the worksheets to see your shortfall, SGC exposure and next steps in under an hour.
Buy & Download the PDF and Excel Worksheet
Gather your payroll / employee / super records
Complete the worksheets and follow the SGC script (if needed)
You don’t need to learn tax law or rebuild your entire payroll to use this. Open the pack, grab the reports it tells you to grab, and copy the examples with your own numbers - most owners can complete their first audit in a single coffee break. The worksheets do the thinking for you, so in 30–60 minutes you go from “no idea if we’re behind” to a clear view of any shortfall.By the end, you’ll know your unpaid super position and whether you need to lodge an SGC statement for missed or late super guarantee payments.
Is This Unpaid Super & SGC Pack Right for You?
If you’re a small business employer in Australia who wants help checking super guarantee obligations without paying for full SGC services or a formal SG audit, this pack is designed for you. We wrote a 44 page ebook and created worksheets for small business super compliance, that sits between “doing nothing and hoping” and “paying $500+ for an accountant to tell you how bad the gap is.”If you are are using payroll software but aren’t confident you've got super right - and who don’t want your first conversation about unpaid super to be with an auditor, this is for you.
Owners with 1–20 staff (cafés, trades, salons, clinics, agencies, small offices) who suspect super might be behind or paid late in tight months.
Bookkeepers and office managers who want a structured, ATO‑aligned checklist to clean up super before EOFY or before switching accountants.
Directors worried about letters, SGC estimates or DPN threats and wanting to walk into any professional meeting with proper numbers and worksheets already done.
Businesses preparing for payday super who’d rather fix historic issues now than drag them into a stricter, real‑time regime.
5.7B+
$5.7B+ unpaid super each year in Australia: ATO and industry estimates of unpaid superannuation that business employers owe.
70%
70% small employers in SG non‑compliance cases: Small business super guarantee compliance is a key focus for the ATO.
30-60min
30–60 min super guarantee self‑audit: Time it takes most owners to run the SG audit worksheets and identify any late or missed super.
We've helped 500+
Aussie Small Businesses
Instead of spending thousands on reactive clean‑ups, owners are using these worksheets and checklists as a low‑cost “first pass” to understand the gap before they even talk to their accountant.Built from current ATO guidance on super guarantee and SGC, it gives you a clear, step‑by‑step way to find shortfalls, lodge correctly and stay compliant without becoming a tax expert. Based on ATO guidance as at December 2025. Not tax, legal or financial advice – always verify at [ato.gov.au] or with a registered tax agent.
Olivia Dunham,
Cafe Owner
I’d been putting off looking at super for years because I honestly had no idea where to start. This pack broke it down into really simple steps - pull these reports, fill in this sheet, follow this script. In one afternoon I went through the last year, found a couple of late super payments and fixed them. It felt like having an accountant sitting next to me without the $1,000 bill.
Henry Case,
Fitness Studio Owner
I run a small studio with a few trainers and super was always the thing I hoped my software was getting right. Using this pack, I finally checked it properly. The examples made it easy to copy, and the worksheets showed me exactly what I owed and where I was a bit late. I ended up doing the SGC lodgement myself using the script and it was nowhere near as scary as I thought.
Alex Murphy,
Agency Director
We’d changed payroll systems and I was worried something slipped through the cracks with super. I gave the pack to my admin person and within an hour she’d completed the super guarantee audit, and reconciled our last few quarters. We sorted it out with the ATO using the payment plan guidance and now use the monthly checklist so we don’t end up in the same spot again.
Disclaimer
SmallBiz Super Check provides super guarantee and Super Guarantee Charge self‑audit checklists for employers and is not tax, legal or financial advice.This pack is for general educational and organisational purposes only and is based on publicly available ATO guidance current at the time of publication. It is not tax, legal or financial advice and must not be relied on as such. Superannuation law changes frequently; always confirm rates, dates and requirements directly at ato.gov.au or with a registered tax agent, accountant or lawyer before acting. Use of this product does not guarantee ATO compliance or prevent penalties, charges or Director Penalty Notices.
© SmallBiz Check. All rights reserved. Not tax, legal, or financial advice.