FY27 Tax Planning for Australian Small Business: The Decisions That Matter
Tax planning is not deduction hunting. Here are the structural decisions that change your FY27 position, ranked by dollar impact.
Category: Compliance & Cost Triggers
Compliance changes that cost Australian businesses money: tax, super, payroll tax, award rates and key deadlines, explained with the numbers.
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Australian Business Grants: How to Find the Ones You Actually Qualify For
Most grant content lists programs and goes stale in a quarter. This explains eligibility architecture — so you stop wasting weeks applying for things you were never going to get.
Superannuation Guarantee at 12%: The Full Cost Picture for 2026-27
The SG rate hit its legislated ceiling on 1 July 2025. The rate is done rising — but Payday Super changed the timing, which matters more for cash than the rate does.
Director Penalty Notices: What Triggers One and What Happens Next
The ATO issued around 85,000 director penalty notices in 2024-25 covering $5.5 billion. Here is what triggers one, and the 21-day window that follows.
Instant Asset Write-Off 2026-27: What Is Actually Law (And What Is Not)
The $20,000 permanent write-off was announced in the May 2026 Budget. Announced is not the same as legislated — and the difference matters if you are timing a purchase.
Payroll Tax Thresholds by State 2026-27: When It Starts Costing You
NSW $1.2m at 5.45%. VIC $1m at 4.85% with a phase-out. QLD $1.3m at 4.75%. Here is what crossing the threshold costs, and the grouping trap that catches people out.
ATO Tax Debt Is Now One of the Most Expensive Loans in Australia
The general interest charge runs at around 10.96% a year, compounds daily, and stopped being tax-deductible on 1 July 2025. Australian small business owes $35.9 billion of it.
The 2026-27 Award Increase: What +4.75% Actually Costs You
Award rates rose 4.75% and the minimum wage 5.97% to $26.44/hr from 1 July 2026. The headline percentage understates the real cost by roughly a third.
Payday Super Readiness Checklist for Australian Employers
A practical checklist for the Payday Super change: payroll setup, clearing house migration, the seven-business-day rule and the cash buffer you actually need.
Payday Super: The $124,000 Working Capital Hole Nobody Budgeted For
Payday Super started 1 July 2026. Research puts the average Australian SME’s additional working capital requirement at over $124,000 — and 68% of businesses had made no preparation at all.