The 5-Minute Xero Health Check

Stop the BAS Hangover.

A quick diagnostic tool to find your "ATO Shadow," recover trapped cash, and see what’s actually in your bank account.

Your Bank Balance is a "Lying Indicator."

You have cash in the bank and sales are steady. But every quarter, when the BAS and Super bills arrive, you find yourself "holding your breath" before you hit pay.

That isn't a profit problem. It’s a visibility problem.

When your tax obligations and your spending money sit in the same account, your bank balance hides the truth. It includes money that is already "spoken for" by the ATO and your employees.

Until you see the "Shadow" behind your balance, you’re making decisions using an inflated number.

What This Health Check Gives You

Inside, you’ll run three specific checks in Xero to gain immediate clarity:

• The Trapped Cash Indicator: Identify profit sitting in your customers' bank accounts instead of yours.
• The 12% Stress Test: See if your business is ready for the "Payday Super" legislative changes.
• The ATO Shadow: Calculate exactly how much of your current balance belongs to the government.
• The Resolution Templates: Proven email wording to move overdue invoices toward payment without damaging relationships.
• No complex math. No long reports. Just 5 minutes in Xero.

Who This Is For

This health check is designed for business owners who:

• Use Xero to manage their accounts.
• Are tired of the quarterly "tax bill surprise."
• Want to know — within a few dollars — exactly what is theirs to keep.
• Value clarity over guesswork.

The True Available Cash Framework

Know What’s Actually Available.

A simple framework that shows profitable businesses what’s truly theirs to use — before Payday Super begins on 1 July 2026.

Your Bank Balance Isn’t the Full Picture.

You can pay your BAS.

You can pay super.

But when those payments leave your account, it feels tighter than it should.

That’s not usually a profit problem.

It’s a visibility problem.

Your bank balance includes:

• GST

• PAYGW

• Super

Money that isn’t actually available. Until those obligations are separated, you’re making decisions using an inflated number.

What This Framework Gives You

Inside, you’ll learn:

• The 3-account structure that creates clear financial boundaries

• The simplest way to smooth GST weekly

• How to operate correctly before Payday Super begins on 1 July 2026

• How to stop relying on your bank balance alone

No complex reports.

No spreadsheets.

No jargon.

Just structure.

Who This Is For

This framework is designed for businesses that:

• Are already meeting BAS and super obligations

• Are profitable

• Want clearer financial visibility

• Prefer structure over scrambling

It’s a prevention framework — not a recovery plan.