Quarterly briefs and guides written for owners who want to understand their finances better — without needing an accounting degree. Each piece carries actionable takeaways you can apply immediately.
The shift from quarterly to per-pay-cycle super contributions, the OTE-to-QE calculation change, the SBSCH closure, and the cash flow impact your business needs to model now.
Read briefP&L, Balance Sheet, Cash Flow, Aged Debtors, Aged Creditors. What each one tells you, how to read them in under five minutes, and the warning signs that should never be ignored.
Read briefPayroll tax thresholds and rates by state, Workcover registration, grouping provisions for related entities, and the common mistakes that cost growing businesses six figures.
Read briefThe actions business owners should discuss with their Tax Agent in the last 90 days - instant asset write-off, prepayments, super timing, trust distributions and dividend timing. An educational guide, not personal tax advice.
Read briefThe trade-offs between the three main structures - and the financial signals that it's time to talk to your Tax Agent about restructuring. An educational guide, not personal tax advice.
Read briefA staged migration from MYOB, QuickBooks Desktop or spreadsheet-based bookkeeping into Xero - opening balances, chart of accounts, bank feeds, payroll cutover and the close-out checklist.
Read briefThe 18-month runway most owners wish they had when they decide to sell - clean books, normalised earnings, working capital benchmarks, and the financial documentation your buyer or their adviser will ask to see.
Read briefThe single number that explains why a profitable business can run out of cash. How DSO, DPO and inventory days combine - and the levers that actually move the cycle inside an Australian SME.
Read briefPermanent A$20K instant asset write-off, loss carry-back is back, a new A$1,000 work-related deduction, monthly PAYG instalments coming in 2027, and Division 296 hitting A$3M+ super balances from 1 July 2026.
Read briefThe 7-business-day window, the clearing-house gap after the SBSCH closed, QE-versus-OTE errors, and how the ATO is actually treating late super under PCG 2026/1 - with the fixes that stop the SGC bill arriving.
Read briefSTP finalisation by 14 July, the 4.75% award increase, the 12% super rate check, state payroll-tax annual reconciliations and a clean compliance calendar for 2026–27 - the reset that stops small errors compounding all year.
Read briefHow to build a rolling 13-week forecast in an afternoon, what to put in each line, how to run it every Monday, and the three signals that tell you to act six weeks before the bank balance does.
Read briefQ1 2026–27 is the first BAS lodged under Payday Super and the first with a full quarter of the new award rates. The GST coding traps, the PAYG instalment decision, super reconciliation and the data the ATO now matches before you lodge.
Read briefSince 1 January 2025 every Australian vendor needs a clearance certificate - no price threshold - or the buyer must withhold 15% and pay it to the ATO. The 28-day lead time, what happens at settlement without one, and the checklist. Educational guide, not tax advice.
Read briefNew residential premises and vacant residential land carry a GST withholding at settlement: 1/11th of the price, or 7% under the margin scheme, paid by the buyer straight to the ATO via two online forms. Who it applies to, who is excluded, and how the seller gets the credit on their BAS.
Read briefBAS, PAYG, super, FBT, TPAR and income tax for 1 July 2026 to 30 June 2027 — with Payday Super now in force and ATO weekend adjustments noted.
| Date | Obligation |
|---|---|
| Every payday | PAYDAY SUPER (from 1 July 2026): super guarantee for each pay run must reach the employee's fund within 7 business days of payday. Quarterly SG due dates no longer apply. |
| 21st of each month | Monthly IAS / BAS lodgement & payment for the prior month — PAYG withholding, and GST for monthly lodgers. |
| 28 October 2026 | Q1 BAS lodgement & payment (Jul–Sep 2026) and Q1 PAYG instalment. |
| 31 October 2026 | Individual tax return lodgement deadline (self-lodgers, 2025–26 FY) — falls on a Saturday, so lodge by Monday 2 November 2026. Must be on your registered Tax Agent's client list by this date to access the extended 15 May 2027 deadline. This refers to your Tax Agent, not your BAS Agent. |
| 25 November 2026 | Q1 BAS extended deadline (registered-agent clients). |
| 21 January 2027 | December 2026 monthly IAS / BAS due (no January extension for monthly lodgers). |
| 28 February 2027 | Q2 BAS lodgement & payment (Oct–Dec 2026) and Q2 PAYG instalment — falls on a Sunday, so lodge by Monday 1 March 2027. No agent extension: the Q2 date already includes one. |
| 28 February 2027 | Income tax return due for companies and super funds that self-lodge (2025–26 FY) — prepared and lodged by your registered Tax Agent, not your BAS Agent. Falls on a Sunday, so Monday 1 March 2027. |
Six free calculators — vendor-neutral inputs, clear outputs, no data captured, no sign-up required. Useful as quick sanity checks before you press lodge, sign or commit.
Estimate your quarterly or monthly BAS obligation before lodgement.
Open calculatorLiability across QLD, NSW, VIC, SA and WA — including grouping considerations.
Open calculatorQuarterly vs per-pay-cycle super timing — see the cash flow shift before 1 July 2026.
Open calculatorSole trader vs company vs trust at different income levels.
Open calculatorFixed costs, variable costs, selling price → units to break even.
Open calculatorEligibility check for the $20,000 write-off (extended through 30 June 2026).
Open calculatorCalculators are designed as quick checks — not as substitutes for advice. Where the answer affects a tax position, always confirm with a registered BAS Agent.
Quarterly only — never weekly, never marketing fluff. Just the things that matter for the next 90 days, delivered the week the quarter starts.
