Three tools in one offline file for Australian sole traders, freelancers and side hustlers, updated for the 2026–27 tax year.

1. What should I charge? Start from the take-home pay you want and work back to the hourly and day rate you need. It allows for tax, Medicare, super, costs, holidays and non-billable admin time.
2. How much to set aside? Tells you the % of every payment to move into a tax account, using the 2026–27 ATO rates (15% bracket to $45k), the 2% Medicare levy and the Low Income Tax Offset. It handles a day job as well, and warns you at the $75k GST threshold.
3. ABN checker + invoice maker. Runs the ATO checksum on any ABN, then builds a GST-correct Tax invoice (or a non-GST Invoice) that you can save as a PDF. It flags when a $1,000+ invoice needs the buyer’s ABN.

• Works in any browser on a computer, tablet or phone. No login, no subscription, no internet needed.
• Your numbers stay on your device.
• Free updates for the 2026–27 year.

General information only, not tax or financial advice. Built with AI assistance and checked by hand against ato.gov.au (Nov 2026).