Cashflow Chaos to Cashflow Control.
Take command of every dollar your business makes. A wage that lands every week, tax already set aside before you can touch it, and the money that used to disappear finally going somewhere that builds your future. We install the system that puts you in control of your cash, then stay with you through the year to keep it there. It starts free: see exactly where your cash really stands, then decide.
Here's the pattern almost no one set you up to avoid.
Business and personal money run through the same account, so you never really know what's yours. You pay everyone else first - suppliers, staff, the bills - and pay yourself whatever's left, usually a big lump on a good month instead of a steady wage you can count on. You budget around this month's costs, not around what you should be taking home or the profit the business should be making. And the tax? You collected the GST, you earned the income, but it was never set aside - so when the bill lands it's a scramble: a payment plan with the ATO, maybe a credit card that quietly starts charging interest.
None of that means you're bad with money. It means the business was never given a structure to hold it - one that pays you first, keeps the tax safe the moment it arrives, and puts your own money where it should go before it disappears. That's the whole job of Cashflow Plumbing™: not to make the business earn more, but to make sure the money it already earns actually reaches you, your tax, and your future - in that order, every week, without you having to think about it.
Profitable but short on cash is the most common thing owners describe, and it is almost never a sign the business is failing. The profit is real. It is sitting in someone else's account on 30 or 60 day terms while wages, GST and BAS land on their own dates regardless.
Find where it's draining, then fit the pipes properly so it stops.
Same idea as a real plumber. We map where your money actually goes - business, personal, or both - and install a set of accounts that splits tax, profit and your wage the moment income lands, before you can spend it. Then we stay with you across the year, with quarterly reviews to keep the system tight as the business changes. You don't get a report and a handshake. You get a system, and someone who stays until it's working.
Not advice you have to implement yourself. A working system, and a year of keeping it that way.
Command of every dollar - a simple set of accounts that keeps your tax, profit and your pay apart, so the right money is in the right place before you can spend it. Most of it runs on a quick weekly routine we set up with you - no spreadsheets, no guesswork.
Steady Pay - a fixed, predictable amount that lands every week, smoothed across the good months and the lean ones.
Your tax, set aside - a set percentage put aside on every dollar that comes in, so the next bill isn't a scramble.
The drains found and closed - a clear read on where your money was quietly going, and what's now stopping each one.
A year of staying on track - quarterly reviews where we look at how the system's holding and adjust it with you, plus the 15-minute weekly habit that keeps it clean day to day.
Who this is for
- Owners earning well but never seeming to have anything to show for it
- Businesses stuck in a feast-or-famine cycle
- Anyone dreading the next tax bill because there's never anything set aside
- Households wanting a predictable wage despite irregular business income
A 12-month program, install then stay.
Cashflow Management is a 12-month program: we install the system, then stay with you through the year. No lock-in - it runs quarter to quarter, and your access continues while your subscription is active.
$500 to begin (install + your first full report), then $300 a quarter. $1,400 for the year, plus GST.
- Your personal Leak Report - the top spending drains, found and quantified
- Five personal buckets set up and ready to run - your money split the moment it lands, including a guilt-free spending bucket
- A debt payoff timeline with a clear end date
- A home cash-runway read - how long you'd be okay if the income stopped
- A "do this first" action list, in priority order
- Your Friday 15: a simple weekly routine to keep it running, with workbook and video guides
- Quarterly reviews across the year to keep it on track
$750 to begin, then $300 a quarter. $1,650 for the year, plus GST.
- Your business cashflow audit and Leak Report - where the money's draining, quantified
- Your full Cashflow read - the headline number and the eight checks behind it
- Six business buckets set up - GST, tax, profit, your pay and operating costs, split the moment income lands
- GST and tax set aside as income comes in, so the next bill isn't a scramble
- Steady Pay: a consistent, fixed owner payment instead of ad hoc withdrawals
- A cash-runway read - how long the business would hold if income stopped
- Three what-ifs modelled - what happens if income drops, a client pays late, or rates rise
- A "do this first" action list, in priority order
- Your Friday 15: a simple weekly routine to keep it running, with workbook and video guides
- Quarterly reviews across the year to keep it on track
$1,000 to begin, then $300 a quarter. $1,900 for the year, plus GST.
- Leak Report across both business and personal - every drain, quantified
- Your full Cashflow read - the headline number and the eight checks behind it
- A full cashflow structure across both - your six business and five personal buckets, split automatically
- GST and tax set aside as income comes in, so the next bill isn't a scramble
- Steady Pay: a fixed owner payment smoothed across uneven months
- A debt payoff timeline with a clear end date
- A cash-runway read across business and home - how long you'd be okay
- Three what-ifs modelled across both - income drops, a client pays late, or rates rise
- A "do this first" action list, in priority order
- Your Friday 15: a simple weekly routine to keep it running, with workbook and video guides
- Quarterly reviews across the year, plus priority support
A Cashflow Plumbing report.
Swappable placeholder shown here, no real client data.
Sample for illustration only. Figures are indicative and based on the bank data you provide.
Full report disclaimer
This report is prepared by Comma Advisory Pty Ltd (ABN 39699991109, ACN 699 991 109), trading as Comma Advisory, as part of the Cashflow Management (Cashflow Plumbing) service. It contains general information and indicative estimates only, generated with the assistance of automated tools and reviewed by an advisor.
The report is not personal financial advice, tax advice, accounting advice, or legal advice, and must not be relied on as such. We are not your registered tax agent or accountant. Tax, GST, and profit figures are estimates based solely on the bank transaction data you provided; they are not a determination of any amount payable to or by the ATO. Any forecast is a projection based on historical patterns, not a prediction.
The accuracy of this report depends entirely on the accuracy and completeness of the data you supplied, which we do not independently verify. You should confirm all figures and obtain advice from a registered tax agent, accountant, financial adviser, or lawyer before acting on this report.
To the maximum extent permitted by law, Comma Advisory Pty Ltd excludes all liability for any loss arising from reliance on this report. Nothing in this disclaimer excludes, restricts, or modifies any consumer guarantee or right under the Australian Consumer Law that cannot lawfully be excluded.
All amounts are in Australian dollars and based on tax rules current at the date of this report. Tax rules change each financial year. For how we handle your data, see our Privacy Policy.
FAQs
How does the year actually work?
We start with your report and install call - that's where the system gets built with you. Then across the year we run quarterly reviews to keep it tight as the business changes, and you run a simple 15-minute weekly habit in between.
What if I upload my data and change my mind?
Full refund any time before you upload your bank data. Once your CSV is uploaded the standard cancellation window closes - but if you're not happy with the outcome or the quality of the report, it's still 100% refundable. That guarantee doesn't expire once the file's uploaded.
Do you connect to my bank or accounting software?
No. You provide a CSV export - we never connect to your bank or to Xero/MYOB directly, and account numbers and BSBs are stripped before anything is stored.
Which package is right for me?
Personal is for your personal finances. Business is for the business side. Integrated covers both across the full year - most owners with irregular income choose this one.
Is this tax advice?
No. We're not accountants or tax agents. We set aside a percentage of income for tax so it's there when the bill lands - the exact percentage is a question for your accountant, and we'll help you automate whatever number they give you.
Does it work with irregular or seasonal income?
Yes - the account structure is built for uneven income. It smooths it into a predictable weekly wage regardless of how the business is trading that month.
Why is my business profitable but always short on cash?
Profit counts revenue the moment you invoice it. Cash only counts what has actually landed. If clients pay on 30 or 60 day terms while wages, GST, super and BAS fall due on fixed dates, a genuinely profitable business can still be short in any given week. The fix is not earning more, it is separating tax and GST the moment income arrives, and seeing the tight weeks before they arrive rather than the day a payment bounces.
The first step is a conversation, not a commitment.
"Profitable but short on cash is a timing problem, not an earnings problem."