Run the numbers on your business in minutes. Customer acquisition cost, cashflow runway, true cost of a new hire, and cash burn — four calculators built for the decisions Melbourne business owners actually face.
Measure your cost to acquire each new customer and how long it takes to pay back
Payback < 12 months is generally healthy for service businesses. If your CAC is high, review which channel is driving the most acquisitions vs spend.
Project your cash position over the next four weeks to spot shortfalls before they hit
Red flag: if any week dips below your minimum operating buffer, you need a plan now — not when it happens. Talk to us about setting up a real cashflow forecast in Xero.
Salary is just the start — see the total annual cost before you make the hire
Payroll tax applies to total wages above state thresholds. VIC: $900k+. NSW: $1.2M+. These estimates exclude workers comp, training and other on-costs.
Estimate how long your current cash will last at your current rate of spending
If your runway is under 6 months, it's time for a cashflow plan — not a spreadsheet. We can model multiple revenue and cost scenarios in Xero.
AU-specific reference points for service businesses turning over $200k–$5M
50%+ for services, 30%+ for product/goods businesses. Below this, pricing or delivery cost is the issue.
10–20% is healthy for a service SME. Under 5% means the owner is working for wages, not building equity.
Under 30 days for most service businesses. Over 45 days indicates collection or invoicing process problems.
1.5–2.0 means you can comfortably cover short-term obligations. Below 1.0 is a liquidity warning.
Aim for 3+ months of operating expenses in cash at all times. Less than 6 weeks is a critical situation.
11.5% from 1 July 2024, rising to 12% from 1 July 2025. Apply to ordinary time earnings per the SGAA.
These calculators are a starting point. A real cashflow model, margin review and strategic conversation is worth 20 minutes of your time.
Book a free 20-min call