Free Business & Accounting Calculators for Australian Businesses
Running an Australian business means juggling GST, payroll tax, cash flow, loan repayments, and financial ratios — often all at once. Our 30 free business calculators cover every core financial decision a small or medium business owner faces. From calculating your break-even point to valuing your business for sale, every tool is ATO-compliant, instant, and completely free. No subscriptions, no spreadsheets, no guesswork.
Showing 30 of 30 tools
Browse all categories →Accounts Receivable Turnover Calculator
Measure how efficiently your business collects receivables and assess cash flow health.
Open Calculator →Business Valuation Calculator
Estimate your Australian business worth using EBITDA x industry multiplier method.
Open Calculator →Working Capital Calculator
Calculate working capital (current assets - current liabilities) and the working capital ratio
Open Calculator →Debt-to-Equity Ratio Calculator
Calculate D/E ratio to assess financial leverage and risk for your business.
Open Calculator →Cash Flow Forecast Calculator
Create a 12-month cash flow projection to anticipate surpluses or shortfalls for your SME.
Open Calculator →COGS Calculator
Calculate Cost of Goods Sold and Gross Profit Margin for your business
Open Calculator →Business Loan Repayment Calculator
Calculate business loan repayments, total interest, and amortization schedule
Open Calculator →Current & Quick Ratio Calculator
Calculate current ratio and quick ratio (acid-test) to assess business liquidity and financial health
Open Calculator →The True Cost of Hiring: Employee Onboarding Cost Estimator 2026
Calculate total employee onboarding costs including recruitment, training, equipment, and admin
Open Calculator →Unlock Your Cash Flow: Invoice Financing Calculator 2026
Calculate invoice factoring vs discounting costs. Understand advance rates, factor fees, and net proceeds to manage cash flow.
Open Calculator →Net vs Gross Profit Margin
Compare gross margin and net margin percentages to understand profitability at different levels.
Open Calculator →Business Loan Repayment
Calculate commercial loan repayments with optional establishment fees and balloon payments.
Open Calculator →Employee Onboarding Cost
Calculate total cost of hiring: recruitment, training, equipment, and lost productivity during ramp-up.
Open Calculator →Markup vs Margin Converter
Convert between profit margin percentages and markup percentages to set prices correctly.
Open Calculator →Reverse GST Calculator
Extract the original price and GST amount from a GST-inclusive total (used by gig workers, Uber drivers).
Open Calculator →Shopify Profit Calculator
Calculate e-commerce profit after COGS, shipping, fees, and marketing spend.
Open Calculator →Inventory Shrinkage Calculator
Calculate inventory loss percentage: (Recorded - Physical) / Recorded.
Open Calculator →Business Break-even (Units & Revenue)
Calculate units and revenue needed to cover total fixed and variable costs.
Open Calculator →Fuel Tax Credit Calculator
Calculate credits for fuel used in heavy vehicles/machinery based on ATO rates effective July 2025.
Open Calculator →Fringe Benefits Tax (FBT) Calculator
Estimate FBT liability based on benefit type (Car, Expense, Housing) and the 47% FBT rate.
Open Calculator →Payroll Tax Calculator
Calculate payroll tax obligations by state with specific thresholds and rates for NSW, VIC, QLD.
Open Calculator →ATO Asset Depreciation Calculator
Calculate depreciation using Prime Cost (straight line) or Diminishing Value methods per ATO effective life.
Open Calculator →Break-Even Point Calculator
Calculate the number of units or sales needed to cover total business costs.
Open Calculator →Company Tax Calculator
Estimate corporate tax liability for small and large businesses in Australia.
Open Calculator →Customer Acquisition Cost (CAC) Calculator
Determine how much you spend to acquire each new customer across marketing channels.
Open Calculator →Discount & Markup Calculator
Calculate markup percentages, discount prices, and profit margins for retail and e-commerce pricing strategies.
Open Calculator →E-commerce Profit Margin Calculator
Calculate profit margin percentage for products, factoring in all costs including shipping, fees, and overheads.
Open Calculator →Global Sales Tax (VAT/GST) Calculator
Calculate prices with VAT, GST, or any sales tax rate for international e-commerce.
Open Calculator →GST Calculator
Calculate GST (10%) for Australian businesses with inclusive and exclusive options.
Open Calculator →Inventory Turnover Ratio Calculator
Measure how efficiently inventory is managed and sold over a period (e.g., monthly, annually).
Open Calculator →How Australian Businesses Use These Calculators
Managing GST & Tax Obligations?
Pricing Products & Services?
Assessing Business Financial Health?
How Australian Business Owners Use These Calculators
Australian businesses face a unique mix of tax obligations, regulatory requirements, and financial decisions that general-purpose tools don't handle well. These calculators are built for the specific numbers that Australian SME owners, accountants, and bookkeepers need to get right.
The GST Calculator and Reverse GST Calculator are used thousands of times a day — whether you're adding GST to a quote or stripping it from a total to find the ex-GST price. They're simple tools that eliminate calculation errors that cost real money.
The Cash Flow Forecast Calculator is one of the most important tools for any growing business. More Australian businesses fail from cash flow problems than from lack of profit. This calculator lets you map inflows and outflows across 12 months, spot gaps before they become crises, and plan repayment schedules around seasonal revenue patterns.
For businesses considering expansion or exit, the Business Valuation Calculator uses multiple common methods — earnings multiples, asset-based, and revenue-based — to give you a realistic range. This is the starting point for conversations with buyers, investors, or your accountant before a formal valuation.
The Payroll Tax Calculator is especially useful for businesses approaching the payroll tax threshold. Each Australian state has different rates and thresholds, and crossing the threshold unexpectedly can create a significant liability. The Fringe Benefits Tax (FBT) Calculator helps businesses understand the cost of employee benefits before offering them as part of a salary package.
Frequently Asked Questions
How do I calculate GST in Australia?+
To add GST: multiply the price by 1.1. To find the GST component of a GST-inclusive price: divide by 11. For example, a $110 GST-inclusive price contains $10 GST ($110 ÷ 11). Our GST Calculator and Reverse GST Calculator do this instantly — just enter your amount and select add or strip.
What is payroll tax and when does it apply in Australia?+
Payroll tax is a state-level tax on wages paid by employers. Each state has its own threshold — in NSW it's $1.2 million, VIC is $700,000, QLD is $1.3 million. Once your total annual wages exceed the threshold, you pay tax (at rates between 4.75% and 6.85% depending on state) on the amount above the threshold. Our Payroll Tax Calculator covers all states.
How do I calculate business break-even point?+
Break-even is calculated by dividing your total fixed costs by your gross profit margin (or contribution margin per unit). For example, if your fixed costs are $50,000/month and each unit contributes $25 profit, you need to sell 2,000 units to break even. Our Break-Even Calculator handles both unit-based and revenue-based calculations.
What financial ratios should I track for my Australian small business?+
The most important ratios for Australian SMEs are: Current Ratio (current assets ÷ current liabilities, target above 1.5), Gross Profit Margin, Net Profit Margin, Accounts Receivable Turnover, and Inventory Turnover. Our Current & Quick Ratio Calculator and Accounts Receivable Turnover Calculator calculate these automatically.
How is a small business valued in Australia?+
Common methods include: Earnings Multiple (EBITDA × industry multiple, typically 2-5x for small businesses), Asset-Based (net assets + goodwill), and Revenue Multiple. The right method depends on your industry and whether the business is asset-heavy or service-based. Our Business Valuation Calculator applies all three methods so you can compare.