As a small business owner, managing your finances is essential to keeping your business running smoothly.

By keeping detailed financial records, you can track cash flow, pay employees on time and meet your tax obligations.

We share our resources and templates to help you keep on top of your business finances, save money and help you make better financial decisions to support the success of your business.

Managing business finances tips and resources

Create a budget

A budget estimates your income and expenses, helping you plan for both short-term and long-term financial goals. Use our budget template to identify cost-saving opportunities and plan for unexpected costs.

Download budget template

Monitor your cash flow

Positive cash flow means you have enough money for the day-to-day running of your business. Regularly tracking cash flow ensures you can pay bills, employees and reinvest in your business. We share some tips to help you manage your cash flow.

Managing cash flow tips

Stay on top of your tax obligations

Understanding your tax responsibilities is key to avoiding penalties. Keep track of your business income, deductions and tax concessions to stay compliant. The Australian Taxation Office (ATO) offers free courses to help small business owners confidently manage their tax and super.

Fringe Benefits Tax (FBT)

ATO courses

Separate business and personal finances

Mixing personal and business finances can cause confusion and errors. Keep a separate business bank account and credit card to streamline financial management.

Work with accountants and bookkeepers

Whether you’re hiring new employees, investing in new equipment or expanding into new markets, accountants and bookkeepers can provide valuable insights to ensure your financial records are accurate, assess the feasibility of your decisions and avoid costly mistakes.

What to look for in an accountant

Financial dates to remember

Mark your calendar with these important deadlines

Superannuation guarantee contributions

Quarter	Period covered	Lodge and pay by
Q2	1 October – 31 December	28 January
Q3	1 January – 31 March	28 April
Q4	1 April – 30 June	28 July
Q1	1 July – 30 September	28 October

Business Activity Statements (BAS)

Quarter	Period covered	Lodgement due by
Q2	1 October – 31 December	28 February
Q3	1 January – 31 March	28 April
Q4	1 April – 30 June	28 July
Q1	1 July – 30 September	28 October

Income tax returns

28 February – Most companies (via tax agent)
31 October – Sole traders, partnerships, and trusts (self-lodging).

Fringe Benefits Tax (FBT)

21 May – Lodgement and payment (if applicable).

End of financial year tasks – due by 30 June / 1 July

Complete stocktake, update asset and liability records, and finalise profit and loss statements
Lodge final payroll and STP reports
Review business performance and plan for the new year.

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Managing business finances

As a small business owner, managing your finances is essential to keeping your business running smoothly.

Create a budget

Monitor your cash flow

Stay on top of your tax obligations

Separate business and personal finances

Work with accountants and bookkeepers

Financial dates to remember

Mark your calendar with these important deadlines

Superannuation guarantee contributions

Business Activity Statements (BAS)

Income tax returns

Fringe Benefits Tax (FBT)

End of financial year tasks – due by 30 June / 1 July

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