Business owner toolkit
Tools & calculators
Put a number around a decision. Each tool explains its inputs and assumptions. Your entries stay in your browser and are not saved or sent to us.
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Guided check-inBusiness health checkA private, educational check-in across cash, customers, records and planning. No score or lender assessment.Open tool CalculatorCash flow forecast builderMap opening cash, receipts and payments for three periods to see possible shortfalls before they arrive.Open tool CalculatorBreak-even calculatorEstimate how many units you need to sell to cover fixed costs at a given price and variable cost.Open tool CalculatorGross margin calculatorSee gross profit and the share of revenue left after direct costs.Open tool CalculatorMarkup vs margin calculatorCompare markup on cost with margin on selling price so pricing decisions use the right percentage.Open tool CalculatorGST calculatorAdd or extract the standard 10% GST on a taxable Australian sale.Open tool CalculatorDebtor days calculatorEstimate how long, on average, credit sales remain unpaid.Open tool CalculatorCreditor days calculatorEstimate the average number of days before supplier bills are paid.Open tool CalculatorWorking capital calculatorCalculate the short-term assets left after short-term liabilities and see the current ratio.Open tool CalculatorStart-up cost calculatorAdd one-off setup costs, regular monthly costs and a chosen cash buffer.Open tool CalculatorEmployee cost plannerEstimate salary plus the super rate and additional on-costs you enter.Open tool CalculatorEquipment finance calculatorIllustrate equal monthly repayments when an asset finance agreement has a residual amount.Open tool CalculatorBorrowing potential illustrationReverse a standard repayment formula from an amount you could allocate each month.Open tool Guided check-inFinance readiness checkOrganise the questions and documents you may need before a finance enquiry.Open tool Existing calculatorBusiness loan repayment calculatorEstimate equal repayments, interest and total cost for a standard amortising loan.Open tool
These tools provide general education. They are not accounting, tax, legal or financial advice, a credit score or a lender decision.