Solution: Budgets & Cash Flow Forecasts

Budgets & Cash Flow Forecasts for Australian Businesses

Flying Blind Between BAS Deadlines

The quarterly Business Activity Statement has a way of arriving right when cash is tightest. Add in superannuation guarantee payments, PAYG instalments, and payroll tax thresholds that vary state by state, and it’s easy to see why so many otherwise-profitable Australian businesses hit a liquidity wall they never saw coming.

Most budgets fail because they assume customers pay on time and expenses stay flat. We build forecasts that model the real Australian business calendar — BAS lodgement dates, superannuation guarantee due dates (currently rising toward 12% under the legislated schedule), payroll tax obligations once you cross your state’s threshold, and the seasonal cash dips that hit retail, hospitality, and construction particularly hard around Christmas and EOFY.

What’s included:

  • 12-month rolling cash flow forecasts mapped against ATO lodgement and payment dates
  • Payroll tax threshold monitoring for your operating state (thresholds and rates differ materially between NSW, Victoria, Queensland, and others)
  • Superannuation guarantee liability forecasting
  • Seasonal stress-testing for EOFY and holiday-period cash gaps

What you get: A financial roadmap that keeps you ahead of BAS and super deadlines instead of scrambling to cover them.

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