total − total ÷ (1 + entered rate)● Australia · AUD · User-entered rates · Browser-onlyContractor invoice
Contractor invoice
reserve splitter
Separate an invoice into GST and your own tax, retirement, business and other planning reserves before viewing potentially available cash.
✓ No sign-up✓ Browser-based✓ Instant results
A maintenance-free invoice split
No tax table, turnover threshold, statutory rate, registration rule, API or external data feed is built into this calculator. The worked example is labelled and never loaded automatically.
Model assumptions
- GST treatment and every planning percentage are entered by you.
- Tax, retirement, business and other reserves apply to the amount excluding GST.
- GST is shown separately and is not treated as contractor income.
- Outputs are planning arithmetic—not a tax return or legal, tax, financial or superannuation advice.
01 · Your assumptions
Split one invoice
Invoice and GST representation
Your allocation percentages
Your figures stay in this browser. The calculation runs locally and no invoice, GST, reserve or potentially available cash amount is submitted to Utilaroo.
Transparent arithmeticInclusive GST Planning reserve Potentially available
Remove GST before applying your planning allocations
In GST-inclusive mode, the entered percentage is extracted from the total. In GST-exclusive mode, it is added to the entered net amount. Tax, retirement and other planning allocations then apply only to the amount excluding GST.
excluding-GST amount × entered percentageexcluding-GST amount − non-GST reservesWhat the result cannot determine
This tool cannot decide whether GST registration applies, which invoice items are taxable, your final tax liability, whether an expense is deductible or what retirement provision is suitable. Check current official guidance and obtain professional advice for real obligations.
Method, example and limitations
Understand the result before using it
Use this splitter for allocations you have chosen. It does not supply a tax estimate, registration decision or recommended reserve rate.
What the tool does
It separates the entered GST component, then applies each user-entered reserve percentage to the excluding-GST amount. Optional equivalents multiply the same invoice scenario without forecasting revenue.
$11,000 GST-inclusive invoice
- At an entered 10% GST rate, the component is $1,000 and the excluding-GST amount is $10,000.
- Entered reserves of 25%, 10% and 5% allocate $4,000.
- Potentially available cash is $6,000 under those assumptions.
How to read it: GST plus the non-GST reserves total $5,000, but only the excluding-GST amount is used for the four planning allocations.
- The selected GST mode matches the entered amount.
- Every percentage is supplied by the user.
- Equivalent periods repeat the same invoice scenario.
- Applying reserve rates to GST-inclusive revenue.
- Treating planning percentages as actual tax liabilities.
- Assuming potentially available cash is safe to spend.
Use current primary information for decisions affected by tax and business rules.
Questions answered
Contractor invoice reserve splitter FAQ
Does Utilaroo decide whether I should charge GST?
No. You explicitly select the GST treatment and enter the planning rate. The tool does not assess registration or taxability.
Why are reserves applied after GST is removed?
This keeps the entered GST component separate from the contractor revenue used for the planning allocations.
Is the tax reserve my actual tax bill?
No. It is a percentage you enter for scenario planning and is not a tax return or liability calculation.
Is the retirement percentage a super obligation?
No. It is an optional planning provision and does not determine an entitlement or obligation.
Are invoice values stored?
No. The calculation runs locally in your browser and does not submit the values to Utilaroo.