Startup.help

Operations

Finance

Money in and out — accounting, invoicing, payments, tax, cash flow, funding and the yearly cycle around 30 June.

Accounting and bookkeepingPayments and invoicingTax and BASCash flowFunding and grantsSuperannuation

Catalog

Tools and services for this

Bundle rates on the tools that cover this area. Referral partners cost nothing monthly.

  • Xero Accounting

    Xero Limited

    Cloud accounting with bank feeds, invoicing, GST tracking and BAS-ready reports.

    $59/mo

    $70

  • MYOB Business

    MYOB

    Australian-built accounting and payroll with STP Phase 2 reporting and strong local accountant support.

    $62/mo

    $75

  • QuickBooks Online

    Intuit

    Cloud accounting with automated bank feeds, BAS preparation and built-in payroll for small teams.

    $54/mo

    $65

  • Square Payments & POS

    Block, Inc.

    Take card payments in person and online, with next-day settlement to your bank account.

    $49/mo

    $60

  • Zeller Payments & Terminal

    Zeller

    Australian-built EFTPOS terminal, free business transaction account and same-day settlement.

    $45/mo

    $55

  • Stripe Online Payments

    Stripe, Inc.

    Developer-grade online payments, subscriptions and marketplace payouts for digital-first businesses.

    $39/mo

    $49

  • Airwallex Business Account & FX

    Airwallex

    Multi-currency business accounts, international payments and FX at interbank-linked rates.

    $45/mo

    $59

  • Partner Accountant

    A dedicated Australian accounting firm handling your tax returns and quarterly BAS.

    $199/mo

    $250

  • Financial Advisory

    Ongoing financial advisory for business owners: structure, super and wealth planning.

    $99/mo

    $150

  • Prospa Business Lending

    Prospa

    Referral to Prospa for unsecured small business loans and lines of credit. No monthly platform fee.

    Referral — no monthly fee

  • Capital on Tap Business Card

    Capital on Tap

    Referral for a business credit card with a revolving limit. No monthly platform fee.

    Referral — no monthly fee
No cost · Government published

Free government tools

Use these before paying for anything that duplicates them.

  • TEMPLATE

    Cash flow statement template

    A spreadsheet for projecting money in and out month by month.

    business.gov.au

  • TEMPLATE

    Profit and loss statement template

    Standard income statement layout for businesses not yet on accounting software.

    business.gov.au

  • TEMPLATE

    Balance sheet template

    Assets, liabilities and equity in a single standard layout.

    business.gov.au

  • TEMPLATE

    Budget template

    Plan expected income and expenses across a financial year.

    business.gov.au

  • TEMPLATE

    Start-up costs sheet

    Itemise what it will actually cost to open — the exercise that tells you how much runway you need before the first invoice is paid.

    business.gov.au

  • TEMPLATEReplaces a paid tool

    Regular invoice template

    A compliant invoice layout for businesses not registered for GST.

    business.gov.au

  • TEMPLATEReplaces a paid tool

    Tax invoice template

    A tax invoice layout containing the elements the ATO requires once you are registered for GST.

    business.gov.au

  • GUIDE

    End of financial year checklist

    What to reconcile, lodge and record before and after 30 June.

    business.gov.au

  • GUIDE

    Guide to managing cash flow

    Practical guidance on forecasting, shortening payment cycles and managing lean months.

    business.gov.au

  • TOOLReplaces a paid tool

    Grants and programs finder

    Searchable directory of federal and state grants, rebates and support programs. Filter by state, industry and business stage.

    business.gov.au

  • TOOL

    Check if you're ready to apply for a grant

    A short readiness assessment before you spend hours on an application you were never eligible for.

    business.gov.au

Government tools and templates referenced are © Commonwealth of Australia, licensed under CC BY 3.0 AU.

Library

Guides on this topic

How to Lodge Your BAS: The Quarterly Schedule Explained

A step-by-step guide to Business Activity Statement due dates and what to prepare each quarter.

1 min read

Getting Paid: Invoicing, Late Payments and Debt Recovery in Australia

The work is done and the money isn't in. A practical Australian guide to invoicing properly, preventing late payment, and escalating unpaid debts without burning cash or clients.

18 min read

When Do You Have to Register for GST in Australia?

The $75,000 GST turnover threshold explained: when registration is mandatory, when it is optional, and what happens after.

1 min read

The Instant Asset Write-Off: What Small Businesses Can Claim

How the instant asset write-off works, what qualifies, and how to use it before the end of the financial year.

1 min read

Square vs Zeller vs Stripe: Payments and POS for Australian Businesses

A practical, even-handed comparison of Square, Zeller and Stripe for Australian businesses — merchant fees, settlement speed, hardware, POS depth and where each one genuinely wins.

13 min read

Xero vs MYOB vs QuickBooks Online: The Definitive Australian Guide

An even-handed comparison of the three accounting platforms most Australian small businesses actually choose between, covering STP Phase 2, BAS, bank feeds and job costing.

15 min read

Disclaimer

General information only — not legal, financial or tax advice.