What best describes you right now?
Click your situation to see the right starting points.
Employee Tradie
You''re employed by someone else and want to maximise your tax return and start planning your financial future
Sole Trader / Subbi
You work for yourself — ABN, invoicing clients, managing your own tax and super
Trade Business Owner
You run a trade business with employees or subcontractors and want to grow it properly
📍 You''re an Employee Tradie — Start Here
Your employer handles most of your tax, but there''s still a lot of money on the table if you know what to claim.
1
Learn every deduction you can claimTools, vehicle, clothing, phone — the complete guide to what employee tradies can claim
2
Calculate your potential tax savingEnter your income and deductions to see what you could get back this year
3
Sort out your superannuationYour employer pays it but you choose where it goes — and most tradies are in a bad fund
4
Compare super fundsSee which fund charges the lowest fees and has the best long-term returns
5
Start building wealth beyond superWhat to do with spare income — shares, property, and what actually works for tradies
📍 You''re a Sole Trader / Subcontractor — Start Here
Running your own ABN means more freedom and more financial responsibility. Here''s the order to get everything sorted.
1
Get your ABN set up correctlyThe right structure, business name registration, and what to do from day one
2
Understand GST and when to registerDo you need to register? How does it work? What''s a BAS?
3
Choose the right invoicing softwareServiceM8 vs Tradify vs Xero vs Rounded — what''s right for your trade
4
Open a dedicated business bank accountThe single most important admin habit — separate your money from day one
5
Maximise your tax deductionsAs a sole trader your deduction list is much longer than an employee''s
6
Calculate your GST and BASFree calculator — add GST to quotes or work out your quarterly BAS liability
7
Pay yourself super — and claim the tax deductionNobody does this for you. But done right it''s one of the best tax strategies available
📍 You Run a Trade Business — Start Here
With employees comes complexity — payroll, super obligations, cashflow management and growth strategy. Here''s the priority order.
1
Get your accounting software rightXero vs MYOB vs QuickBooks — what''s actually best for a trade business with staff
2
Know the current ATO rulesSuper guarantee rate, instant asset write-off, STP Phase 2 — what changed this year
3
Choose the right business bank accountOverdraft facilities, payroll integration, cash handling — what a growing business needs
4
Finance your fleet smarterChattel mortgage vs lease vs loan — and who has the best rates right now
5
Scale beyond yourselfSystems, hiring, pricing and the financial reality of growing a trade business
6
Calculate vehicle finance costsModel repayments, total interest and tax deductions before committing to a loan