Business Finance.
Essential financial tools for Australian businesses. Calculate GST, compare business structures, forecast cash flow, and analyse equipment finance and commercial property.
All 10 business finance calculators
Free, instant, no signup. Every result shows its working and can be handed to the assistant.
GST Calculator
Calculate GST on any amount — add or remove 10% GST instantly. Perfect for invoicing, BAS preparation, and pricing decisions.
Business Loan Calculator
Calculate repayments on Australian business loans including term loans, lines of credit, and equipment finance. Compare secured vs unsecured rates.
Break Even Calculator
Calculate your business break-even point — how much revenue you need to cover all costs. Essential for pricing, planning, and new venture viability.
Invoice Payment Calculator
Calculate invoice totals with GST, early payment discounts, and late payment interest. Manage payment terms and outstanding invoices.
Equipment Finance Calculator
Calculate repayments for equipment finance, chattel mortgage, and hire purchase. Compare leasing vs buying for tax and cash flow impact.
Business Structure Advisor
Get AI-powered advice on the best business structure for your situation — sole trader, partnership, company, or trust. Compare tax, liability, and setup costs.
AFSL Digital Assets Compliance Tool
Helps digital asset platforms assess if they must obtain an Australian Financial Services Licence under Australia's expanded AFSL regime, commencing 9 April 2027.
Cash Flow Forecast
Project your business cash flow over time. See when cash runs low, plan for seasonal dips, and ensure you can cover expenses and loan repayments.
Commercial Property Yield Calculator
Calculate the rental yield and return on investment for commercial property. Compare net yield, cap rate, and cash-on-cash return.
Cash Flow Stress Tester
Simulate cash flow issues under payment delays or increased expenses for Australian businesses.
The real products, as published.
Run the numbers here, then compare against what every provider actually publishes under the Consumer Data Right, refreshed nightly.
Questions Australians actually ask the AI.
Drawn from real conversations with the Business Finance Assistant. Click any to open it in chat.
How does business finance work in Australia?
Our business finance calculators apply the same formulas, brackets and buffers that banks and the ATO use internally. We update assumptions weekly from RBA, APRA and ATO releases. Run the math →
Are the numbers reliable?
Yes—every calculation is auditable. We show the working, and the rates come from what every bank publishes under the Consumer Data Right, the RBA cash rate and ATO 2026 brackets. They're estimates, not advice. Run the math →
Do I need to sign up?
No. There are no signups and no upsells. The calculators run in your browser — only a question you choose to send the assistant leaves it. We earn nothing from any bank or product. The math is the product. Run the math →
What can the AI assistant do?
Ask questions in plain English. The assistant runs the calculators live, cites the formulas, and explains the result in your situation—linking back to the underlying tools. Run the math →