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 that move the needle in the last 90 days of the financial year — instant asset write-off, prepayments, super timing, division 7A, trust distributions and dividend timing.
Read briefThe trade-offs between the three main structures used by Australian businesses — and how to think about restructuring without triggering CGT, GST and stamp duty by accident.
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 first three briefs are in active drafting. Q4 2026 will add multi-state compliance and EOFY tax planning. Q1 and Q2 2027 cover entity choice, Xero migration, sale-readiness and the cash conversion cycle.
BAS, PAYG, super, FBT and income tax — updated for ATO due-date adjustments and the Payday Super reform from 1 July 2026.
| Date | Obligation |
|---|---|
| 21st of each month | Monthly IAS lodgement & PAYG withholding payment for the prior month. |
| 30 June 2026 | End of 2025–26 financial year. Last day for pre-paid deductions, super contributions for deductibility, and asset purchases under the $20,000 instant asset write-off. |
| 1 July 2026 | PAYDAY SUPER COMMENCES. Super must be paid on payday, not quarterly. SBSCH closes. New STP reporting labels apply. |
| 14 July 2026 | Employers finalise STP income statements for 2025–26 FY. |
| 28 July 2026 | Q4 BAS lodgement & payment (Apr–Jun 2026). Q4 Super Guarantee contribution deadline (final quarter under old rules). |
| 25 August 2026 | Q4 BAS extended deadline (tax-agent clients). |
| 31 October 2026 | Individual tax return lodgement deadline (self-lodgers, 2025–26 FY). Must be on a tax-agent's client list by this date for extended deadlines. |
| 15 May 2027 | Extended individual tax return deadline (tax-agent clients, 2025–26 FY). |
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.
