Business finance calculators
Essential financial tools for Australian businesses. Calculate GST, compare business structures, forecast cash flow, and analyse equipment finance and commercial property.
10 calculators, free and with no sign-up. Every result shows its working.
How much GST is in it?
The GST calculator's working, for a business registered for GST selling something GST applies to.
- Before GST $1,000.00
- GST $100.00
$1,000.00 plus $100.00 of GST is $1,100.00.
The figures today
Where most people start
GST Calculator
GST added to a price, taken out of one, or just the GST part
Business Loan Calculator
Repayments, interest and the after-tax cost of a business loan
Break Even Calculator
The sales you need to cover your costs, and how a price change moves it
Cash Flow Forecast
Your cash month by month, and when it runs low
All 10 calculators, by what they answer
Pricing, GST and structure
- GST CalculatorGST added to a price, taken out of one, or just the GST part
- Invoice Payment CalculatorInvoice totals with GST, early payment discounts and late interest
- Break Even CalculatorThe sales you need to cover your costs, and how a price change moves it
- Business Structure ComparisonSole trader, partnership, company or trust, on tax and liability
Borrowing and buying
Cash flow
Every lender's lowest business rate today
Read from each institution on 7 November 2026Lowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower. One dot per institution, at its lowest business loan rate anyone can apply for; hover or tap a dot for its name.
The figures in full
As of 7 November 2026, the lowest business loan rate is 6.33%, from SCCU's BUSINESS LOAN, while the typical best across 47 institutions is 7.89%. The lowest business overdraft rate is 8.24%, from IMB Bank's Commercial Credit line, while the typical best across 12 institutions is 10.06%.
The real products and rates
Run the numbers here, then see what's actually on offer: every product, policy or payment rate, as its provider or the government publishes it.
Questions these calculators answer
- Do I need to register for GST?
- You must register if your annual turnover is $75,000 or more ($150,000 for non-profits), or if you provide taxi/ride-sharing services regardless of turnover. You can voluntarily register below these thresholds. Registration is through the ATO via your ABN. Open the GST Calculator
- What do I need to apply for a business loan?
- Lenders commonly ask for BAS statements, tax returns, a recent profit and loss statement and balance sheet, business bank statements, your ABN and, for a new business, a business plan. Requirements vary by lender. Open the Business Loan Calculator
- What are fixed vs variable costs?
- Fixed costs stay the same regardless of sales volume: rent, salaries, insurance, loan repayments, software subscriptions. Variable costs change with each sale: raw materials, packaging, shipping, sales commissions, payment processing fees. Some costs are semi-variable (e.g., electricity: a base amount plus usage). Open the Break Even Calculator
- What payment terms should I use?
- Common choices are 7, 14 or 30 days for business clients, payment on receipt for consumers, and progress payments for large projects. Whatever the terms, state them on the quote and invoice. Under the Payment Times Reporting Scheme, large businesses report how quickly they pay small business suppliers. Open the Invoice Payment Calculator