This app is not a bookkeeping system or a full annual tax calculator. It does one job: turn a realistic income pattern into a reserve rule you can use the same day money arrives, so you know what belongs to tax, GST, optional super, and what is genuinely spendable.
Core output
$X per $100 The reserve rule you can apply immediately after a client payment clears.Buckets
Tax + GST + Super Separate what belongs to the ATO, what belongs to your future self, and what is actually safe to spend.Example only: a sole trader receiving a typical payment of $2,500 each monthly, with $18,000 in annual business expenses, no HELP debt, private hospital cover, and a super buffer turned on. The point is not the exact tax bill. The point is the rule you would follow every time a similar payment lands.
Estimated rule
That works out to about $138 per typical payment, with roughly $862 left after reserve buckets and annual expenses.
Assumes payments of $2,500 usually arrive monthly. This is the habit-building rule, not a substitute for full tax planning.
Tax bucket
$211 1 dollars per 100 receivedGST bucket
$0 0 dollars per 100 receivedSuper bucket
$1,440 5 dollars per 100 receivedQuarterly reserve target
$413 Annual business income estimate: $30,000Tell the app what usually lands in the bank and it will convert that into one number: how much to move out before you treat the cash as spendable.
That is about $138 per typical payment. Estimated spendable cash after tax buckets and annual expenses is $862 per typical payment.
Assumes payments of $2,500 usually arrive monthly.
Tax bucket
1 / 100$211 a yearGST bucket
0 / 100$0 a yearSuper bucket
5 / 100$1,440 a yearSpendable after reserves
34 / 100$10,349 a yearAnnual business income
$30,000Monthly reserve target
$138Quarterly reserve target
$413Taxable income estimate
$10,560This app reframes tax planning as cash triage. Instead of waiting for BAS or tax time, it gives you one reserve rule you can use every time money hits the account.
Start from a typical payment amount or a recurring income figure, then annualise it before estimating tax and GST.
The app separates income tax, GST, and optional super, then shows the rule as a dollars-per-100 number.
You get per-payment, monthly, and quarterly targets, but the main output stays simple enough to remember without a spreadsheet.
Use these common scenarios to understand why one sole trader might need a very different set-aside rule from another.
Once GST is in the picture, part of the money collected is not your income. The app separates that bucket so it does not get treated as spendable cash.
HELP repayments lift the tax bucket. If two sole traders earn the same amount, the one with HELP can need a meaningfully higher reserve rule.
Adding a super bucket makes the reserve rule stricter now, but it stops long gaps where tax is set aside and retirement savings are ignored.
The app annualises a recurring pattern so one big payment does not trick you into using a reserve rule that only works in unusually strong months.
After you build the rule, the next step depends on whether you need deeper modelling, BAS detail, due dates, or the front end of the getting-paid workflow.
Jump to the BAS calculator when you want statement-style GST and PAYG detail after setting the reserve rule.
Open the full sole trader tax calculator when you need broader annual tax analysis instead of a reserve habit.
Use the tax calendar to line the reserve rule up with BAS, PAYG, super, and lodgment deadlines.
Start with the invoice generator when the workflow begins before payment is received, then come back here once the money lands.
No. It is a reserve-rule app. The point is to create a simple habit for each typical payment pattern, not a full ledger.
That format is easier to apply in real life. A ratio is easier to remember than a yearly tax estimate.
Yes. The state lives in the URL, so you can copy the link and send the exact assumptions you used.
