Tradie Tax and BAS Spreadsheet Australia FY2026-27, Subbie GST Tracker, Excel Google Sheets

The builder pays $4,620 for a rough-in. It hits the account and it looks like a good week. But $420 of it is GST and a chunk more is income tax. Spend it on the ute and the BAS hurts in October.

This sheet works it out on every job. Type in what landed. It shows the GST, the income tax to put aside and the total to move to your tax account. On that $4,620 job it's $1,134: the $420 GST plus 17% of the rest. Each quarter, G1, 1A and 1B are already added up for your BAS, along with your PAYG instalment if the ATO has sent you one.

Who it's for

• Sparkies, chippies, plumbers, tilers, painters, landscapers and other tradies on an ABN, invoicing builders and homeowners.
• Subbies registered for GST who lodge a quarterly BAS.
• The partner who does the admin at night after the kids are down.

Who it's not for

• Companies, trusts and partnerships, or businesses with employees on payroll.
• Anyone who needs invoicing, bank feeds or full accounting software. This is a spreadsheet, not accounting software.
• People who aren't Australian residents for tax. The rates are for residents.
• Apple Numbers users.

About this edition

The example is Dave, a subbie electrician full time on his ABN, registered for GST. He expects about $150,000 of income and $45,000 of costs this year. The sheet works out that the business adds tax of about 23% of his expected profit, so it suggests 17% of each payment, plus the GST. His July to September BAS shows G1 $38,500.50, 1A $3,500.05 and 1B $982.54, plus a $4,200 PAYG instalment, due 28/10/2026. Start Here has notes on utes and vans, tools under the instant asset write-off and paying your own subbies.

What you get

Eleven tabs, starting with the Dashboard:

1. Dashboard. The first thing you see when you open the file. The whole year at a glance: income so far, tax to set aside so far, what's in the tax pot, ahead or short, GST collected and the next BAS due. Below that, where the costs go, income by month, BAS quarters with due dates, and a materials and the ute panel (materials claimed, ute business km, vehicle costs claimed).
2. Start Here. Three steps to get going, the FY2026-27 due dates, what the colours mean, then the detail.
3. Setup. A few questions: wages from a job, a guess at this year's business income and costs, GST yes or no, HELP debt yes or no. It suggests what % of each payment to put aside.
4. Money In. One row each time you're paid. Shows the GST portion, the income tax to put aside and the total to move to your tax account.
5. Money Out. Business costs, with a business-use % for things like your phone. Works out GST credits and the claimable amount.
6. Car Kms. Your trip record. Estimates the cents per km amount at the 2026-27 rate (91 cents a km, up to 5,000 km), or keeps your logbook trips.
7. BAS Quarters. G1, 1A and 1B for each quarter, your PAYG instalment if the ATO sent you one, the total to pay and the due date.
8. Tax Pot. Compares the income tax you've actually moved with an estimate of the tax built up so far, and shows what's yours to keep.
9. Accountant Summary. One printable page for tax time: income by payer, costs by category, quarter totals.
10. Lists. Your expense categories. Rename them if ours don't fit.
11. Rates. Every rate and date the sheet uses, with the ATO page it came from and the date it was checked.

Also in the download

• A step-by-step setup video that walks through the three steps.
• An example copy with made-up data to learn on, and a BLANK copy to fill in.

How it works

1. Fill in Setup: your name, GST yes or no, wages from a job and a guess at this year's business income and costs. Guesses are fine. It suggests a % of each payment to put aside.
2. Each time you're paid, add a row on Money In, move the "Total to move" amount to your tax account and mark the row Yes. Costs go on Money Out.
3. Check the Dashboard to see if your tax pot is ahead or short. Each quarter, copy G1, 1A and 1B from BAS Quarters if you lodge a BAS.

Works in

• Made for Microsoft Excel (2019 or later, or Microsoft 365) and Google Sheets. Not for Apple Numbers.
• To use Google Sheets (free), upload the .xlsx to your Google Drive and open it with Google Sheets.
• No macros, no add-ons, no bank login. Your numbers stay on your computer or in your own Google Drive.
• A computer or laptop is best. A phone is fine for a quick look, not for setting up.

After you buy

1. Your download link arrives by email straight after checkout.
2. Download the files in a web browser (Chrome, Safari or Edge) on a computer.
3. Watch the step-by-step setup video first. It walks through the three steps on Start Here.
4. Open the example copy and have a look around, starting on the Dashboard. When you're ready, open the BLANK copy and start on Setup.
5. Stuck? Reply to that email or write to kitchentablesums@gmail.com. I'll help with how the sheet works. I usually reply within a day or two.

Updates

Buy the FY2026-27 version and the FY2027-28 update is free. I'll email it to you before 1 July 2027.

Questions people ask

Q: I get paid by builders and private customers. Does that matter?

A: No. Add every payment on Money In with who paid. The Accountant Summary ranks your top payers for tax time.

Q: Can I put the ute on it?

A: You can log business trips on Car Kms. If your ute or van carries one tonne or more, different rules may apply, so check ato.gov.au before you pick a method. Using a logbook? Put fuel, rego, insurance and servicing on Money Out with your business-use %, like the example does at 85%.

Q: I already pay PAYG instalments. Will it double count?

A: No. Type the instalment from your ATO notice on BAS Quarters. Mark the quarter Paid and Tax Pot counts it as tax already paid.

Q: Is the suggested % what I'll actually owe?

A: No. It's an estimate. Your real tax is worked out when you lodge. Because the % comes off each payment before your costs, you'll often end up putting aside more than you owe. Tax Pot shows how far ahead or short you are, and you can change the % on Setup.

Q: Can you tell me if I can claim something?

A: I can't, sorry. I'm not a registered tax agent, so I can't give advice on your own tax. I can help with how the sheet works. For what you can claim, check ato.gov.au or ask a registered tax agent.

Q: Is there a video to help me set it up?

A: Yes. A step-by-step setup video is in the download. It walks through the three steps on Start Here, using the example copy.

The small print

This sheet gives estimates only. It uses ATO rates for 2026-27 as published on 13/10/2026 and the numbers you type in. It's general information, not tax, financial or legal advice, and it doesn't look at your personal situation. I'm not a registered tax agent or BAS agent and I don't hold a financial services licence. Check your actual figures with the ATO or a registered tax agent before you lodge anything. This calculator is not intended to be relied on for making a decision about a financial product. Consider getting advice from a financial services licensee before making any financial decision.

Not affiliated with or endorsed by the ATO.

Personal use licence for the buyer. Please don't share or resell the files.

I used AI tools to help build this sheet. Every formula was checked against a separate calculation using Australian test scenarios before release.

Cheers,

Kitchen Table Sums