What this is
If you operate as an Australian sole trader, you can opt in to receive superannuation through Cemoh. When you opt in, the statutory super amount is set aside from each new payout and paid to your nominated super fund.
Is Cemoh required to pay this?
No. Cemoh engages consultants as independent subcontractors — you're free to delegate or subcontract your work and you control how it's performed — so Cemoh is not required to pay superannuation on your payouts. We offer it as an optional benefit and recommend it as a simple way to invest in your future. Opting in is entirely your choice. If you're unsure whether it's right for you, check with your accountant.
Who is eligible
- Sole traders with an Australian address can opt in.
- Companies cannot opt in — if you invoice through a company (Pty Ltd) or trust, your business handles super itself, so Cemoh does not pay super on company payouts.
- Consultants outside Australia are not eligible.
You set your business structure (company or sole trader) under Settings → Account → Superannuation.
How much super is paid
Super is paid at the statutory Superannuation Guarantee rate, which is currently 12%. Your agreed rates on Cemoh already include super.
That means when you opt in, super is carved out of your existing rate rather than added on top. For each payout we calculate:
- Super = rate × 12 / 112
- Cash to you = rate − super
For example, on a $1,120 payout: $120 goes to your super fund and $1,000 is paid to you as cash. Your invoiced rate doesn't change — but the cash paid into your bank account reduces by the super portion, because that portion now goes to your fund instead.
What you need to provide
To opt in, enter your fund details under Settings → Account → Superannuation:
- Super fund name
- Fund USI (Unique Superannuation Identifier) — find this on your fund's website
- Member number — your membership number with the fund
We currently support APRA-regulated super funds. Self-managed super funds (SMSFs) are not supported yet.
How to opt in
- Go to Settings → Account → Superannuation.
- Set your business structure to Sole trader.
- Turn on Receive superannuation and read the confirmation message.
- Enter your fund name, USI, and member number.
- Click Save changes.
When it takes effect
Opting in only affects new payouts created after you save. Existing and in-progress payouts are never changed. Super is set aside as each payout is generated and remitted to your fund.
Changing or stopping
You can update your fund details at any time, or turn off Receive superannuation to stop super being set aside from future payouts. Again, this only affects payouts created after you save.
Questions
If you're unsure whether you should receive super, or need help with your fund details, contact the Cemoh team.