essôr
advisory
Cash · the 6 C’s

The tax bill isn’t the problem.
Not having it set aside is.

A tax bill means you made a profit — and for a growing business, that’s the right kind of problem to have. The trick is simply having it set aside before it lands.

Your year, roughly

Estimate the year ahead — last year’s figures are a fine starting point. We’ll work out the rest.

It changes how your profit is taxed — individual rates, or the company rate.
Your total income for the year, before GST. A rough estimate is fine.
What it costs to run, before GST — stock, rent, software, insurance, wages for others.
Your estimated profit this year
Enter your numbers to begin.
Keep aside, each month

Once your figures are in, you’ll see how much to move aside each month so the tax and BAS are always covered.

The whole picture

The monthly figure, seen a few other ways — and split into what’s tax and what’s GST.

Each week
If you’d rather move it little and often.
Across the year
Your estimated tax and GST, all up.
Make it disappear — automatically

Open a separate account, name it “Tax”, and set a standing transfer that matches how you get paid. Then it’s handled before you can spend it.

Weeklya small, steady habit
Fortnightlyin step with most pay cycles
Monthlyone transfer, set and forget
Quarterlyroughly each BAS

Whatever the rhythm, the trick is the same: a separate account, an automatic transfer, and a tax bill that’s already paid for by the time it arrives.

Don’t let tax time
surprise you again.

Set the habit and tax stops being a cash-flow event you brace for. The next layer is timing it against the rest of your year — BAS, instalments, the quiet months — so nothing collides. That’s a plan, not a guess.

This is one room of six. The 6C Health Check looks at the whole business — Clarity, Customer, Culture, Compliance, Consistency & Cash — and steady cash is where control begins.

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