The SME Toolbox

Practical tools and calculators for Australian small business owners.

Plain-English, free, and built for the Australian tax and regulatory environment. No sign-up, no upsell - just the numbers you need to make a better decision.

2025-26
Tax year framework
Tax planningCalculator / 2025-26 brackets

Sole trader vs Pty Ltd calculator

Compare net tax outcomes between operating as a sole trader and through a Pty Ltd company at your projected revenue. Uses 2025-26 ATO brackets, base-rate company tax (25%), Medicare Levy, and the 16% small business income tax offset.

InputsAnnual revenue, expenses, drawings
OutputSide-by-side tax + take-home pay
Open calculator
Sole trader vs Pty Ltd calculator illustration
Business Health Score diagnostic illustration
OperationsDiagnostic / 12 questions

Business Health Score

A 12-question diagnostic across cash flow, margin, tax readiness, and operations. Get a 0-100 score with the three highest-impact improvements you can make this quarter, plus a printable summary you can keep.

Time8-10 minutes
OutputScore + three actions
Start assessment
Upcoming modules

Coming to the toolbox

More free Australian-specific calculators and diagnostics. Subscribe to the briefing and you'll hear when each launches.

Tax
Operations
Tax

BAS readiness checker

A quarterly walk-through that flags the common BAS errors before you lodge: GST coding, capital purchases, PAYG withheld, and instalment income.

In drafting
Operations

13-week cash flow forecast

A simple browser-based 13-week rolling cash forecast. Plug in opening balance, expected receipts, and fixed outgoings. See your weekly runway.

In drafting
Tax

Instant asset write-off check

Quick yes/no on whether your planned purchase qualifies for the 2025-26 small business instant asset write-off, with a working example.

Planning

Get told first when a new tool ships.

The weekly briefing covers each new toolbox release with a worked example. Free, plain English, no sales pitch.

Subscribe to the briefing
Before you close the tab

Take the Master Guide with you.

Five plain-English pillars — structure, tax, tradies, cash flow, tech — bundled into one 31-page printable PDF. Every checklist, every worked example, in the order you need them.

Download the guide (free)
Or

Get one short email each week. Plain English. No sales pitch.
Join the briefing