Calculators
Run your numbers.
Three quick calculators for the questions we hear most: what an ATO payment plan really costs, what Payday Super does to a pay run, and what a business loan repays. Estimates only.
Your ATO debt
Compare a standard ATO payment plan with restructuring the debt into a business loan.
ATO interest: 11.51% a year (October to December 2026). It changes every quarter.
Restructure: an example 11% a year before fees. Actual rates depend on the lender and your file.
Standard ATO plan
$3,979/month
About $10,488 total interest. None of it tax deductible.
Restructured (example)
$1,848/month
About $25,886 total interest. May be deductible: your accountant confirms.
Restructuring frees up about $2,131 a month, mostly from the longer term. That is also why the total interest is higher.
Call 0481 013 126 Text us these numbers How restructuring works
Your pay run
See what Payday Super does to the cash leaving your account each pay run.
Assumes the 12% super guarantee rate on the whole pay run. Your payroll software works out the real figure.
Super on each pay run
$1,440
Cash out per pay run: $13,440 (wages plus super).
Over a year
$37,440
Same total as before. The difference is when it leaves your account.
Before, about $9,360 went out once a quarter. Now $1,440 goes out every pay run, within 7 business days of payday.
Call 0481 013 126 Text us these numbers Payday Super cash flow
Loan repayments
Estimate the repayments on a business loan.
The 11% is an example, before fees. Actual rates depend on the lender, the security and your file.
Monthly repayment
$2,174/month
Total interest
$30,455
Total repayable: $130,455
Estimates only. Broker and lender fees are not included. Examples and calculators are not offers, quotes or credit advice. Real rates, fees, terms and approval depend on your circumstances and the lender's criteria. ATO interest treatment: confirm with your accountant.
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