Free tools · Australian small business
Add or take out GST, turn a markup into a margin, find your break-even point, and see what card fees cost you now that surcharges on eftpos, Mastercard and Visa have ended. All in A$, and your numbers are never stored or sent.
Only for businesses registered for GST. GST applies to your sales if you're registered for GST, or required to be (ATO: when to charge GST). You must register once your GST turnover reaches A$75,000 a year (A$150,000 for non-profits), or if you provide taxi or ride-sourcing travel, whatever your turnover (ATO: registering for GST). GST is 10% on most goods and services, and some sales are GST-free (ATO: how GST works, GST-free sales).
Rounding: the GST is rounded to the nearest cent, with half a cent rounding up, which is what the ATO says for an invoice with one item. For an invoice with several items the ATO allows two ways of rounding, so your accounting software can come out a cent different (ATO: tax invoices, rounding of GST).
Turn a markup into a sell price and margin, find the price for the margin you want, or check the markup and margin on a price you already charge.
Markup is your profit as a share of the cost; margin is your profit as a share of the sell price. A 50% markup is a 33.33% margin. If you're registered for GST, use costs without GST (you generally claim the GST back as a credit) and include freight and any import charges in the cost.
Another currency: rates load only when you pick one. Your browser then fetches the day's rates from exchange-api, a free and open (CC0) rates dataset, via jsDelivr, or Cloudflare if that fails. That request carries nothing you typed. Your bank, card or PayPal may use a different rate and add fees: if you know the rate you'll pay, type it in.
How many sales a month cover your costs, and how many more you need for the profit you want.
Fixed costs are what you pay each month however much you sell: rent, wages, insurance, software. Cost per item is what each extra sale costs you: stock, packaging, delivery, card fees. If you're registered for GST, use amounts without GST. Items are rounded up to whole items.
Since 1 October 2026, Australian businesses can't add a surcharge for paying by eftpos, Mastercard or Visa (Reserve Bank, Small Business Ombudsman). Your merchant fee now comes out of your takings. See what it costs you, and the price rise that would cover it.
Leave it blank if nearly everyone pays by card.
Stopped surcharging? Old surcharge wording often stays on menus, invoices and your Google profile. The surcharge clean-up finds and replaces it for you: A$99.
Where to find your fee: on your merchant statement, or in your payment provider's app or online dashboard. Use one from October 2026 or later, as fees change. If it only shows dollars, type last month's card fees and card sales and the rate is worked out for you. Not sure? Ask your merchant service provider (whoever supplies your card terminal or online payments).
Raising prices is allowed, as long as the new price is clear before purchase and you don't mislead customers about the reason for the increase. A fee charged only on card payments is still a card surcharge under another name. Public holiday surcharges are still allowed if they're clearly shown before the customer buys: get the Christmas public holiday surcharge wording for your state, free.
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These calculators do the arithmetic; they aren't tax, legal or financial advice. For your own situation, talk to your accountant or BAS agent.
Old surcharge notices hide in places a quick look misses: a PDF menu from last year, the booking page, the footer of an invoice template, the photos of your menu on Google. The free check reads your website and PDF menus and lists every page that still mentions a card surcharge. If you'd rather hand it over, the surcharge clean-up covers your website, PDF menus, invoice templates and Google Business Profile, with replacement wording for every hit, for A$99 within 2 working days.
Run the free surcharge check See the A$99 clean-upIs your business showing up on ChatGPT? Free AI visibility checker · More free tools
Divide the price with GST by 11. A$110 includes A$10 of GST, so the price without GST is A$100. To add GST to a price, multiply it by 1.1. GST is 10% on most goods and services in Australia, and some sales are GST-free (see the ATO's "How GST works" page).
No. GST applies to your sales if you're registered for GST, or required to be. You must register within 21 days of your GST turnover reaching A$75,000 a year (A$150,000 for non-profits), and taxi and ride-sourcing drivers must register whatever their turnover. The ATO's "Registering for GST" page has the details.
Both measure the profit on an item. Markup is the profit as a share of the cost; margin is the profit as a share of the sell price. Buy for A$10 and sell for A$15: the A$5 profit is a 50% markup but a 33.33% margin. So a 40% markup only gives a 28.57% margin. A margin can't reach 100%, because the item would have to cost nothing.
Since 1 October 2026, Australian businesses can't add a surcharge to eftpos, Mastercard or Visa card payments (see the Reserve Bank's announcement and the Small Business Ombudsman's guide). Your payment provider still charges its merchant fee, so it comes out of your takings unless your prices cover it. Raising prices is allowed, as long as the new price is clear before purchase and you don't mislead customers about the reason for the increase.
Because the fee is charged on the new, higher price too. To keep what you had before, the rise has to be the fee ÷ (1 − the fee). At a 1.5% fee that's 1.5 ÷ 98.5 = 1.52%: a sale of A$100 becomes A$101.52, the 1.5% fee on that is A$1.52, and you keep A$100.
No. The sums run in your browser, and the numbers you type are never saved or sent to us. If you pick a currency other than A$, your browser fetches that day's exchange rates from exchange-api (via jsDelivr, or Cloudflare if that fails), and keeps those rates in this tab until you close it. That request carries nothing you typed. We only count, anonymously, that a calculator was used. The card fee alerts sign-up under the card fee calculator is separate: it sends only the email address you type into it, and only if you tick its box.
Exchange rates come from exchange-api by Fawaz Ahmed, released under CC0 1.0 (public domain), and load only when you pick a currency other than A$. The calculators themselves are ours.
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