Core is live
Ask Toby. Get the figure, the working and the source.
Toby answers Australian tax, super and payroll questions, with every figure worked out from rates checked against the official source, not guessed.
Free for everyone. No card needed.
No card is needed during the 14-day trial.
How do I check my Xero file before BAS or year end?
Create a free account and give Toby read-only access to a Xero file. In about a minute you get every problem found, where in Xero to fix it and what it adds up to. Nothing is stored or written to Xero. Save the report as a PDF.
Checks your accounting file. Works with Xero today. MYOB and QuickBooks Online to follow.
Check a file freeFree for everyone. No card needed.
What you can ask
What can I ask Toby?
See the full answer and its source
AI Only wages above the deduction are taxed. Assumes all wages are taxable in NSW and the employer is not grouped.
We pay 38 staff fortnightly, some with HELP debts and one on a working holiday visa. What is withheld from each pay, what super is due on it and by which day?
The quarter has GST collected on sales and GST paid on purchases. What goes at 1A and 1B, what is the net GST, and is the company tax rate the base rate this year?
We employ in Queensland and New South Wales and the group has just passed the threshold. What payroll tax is due in each state this month, and which award clause sets the rate for the new hires?
A redundancy round covers 14 roles, service between 2 and 19 years. How much of each payment is tax free, and what was the super guarantee rate in the year we are amending?
Every answer shows the figure, the working, the law and who checked it. See 29 worked answers.
How an answer is made
How do I check a figure is right?
- 1You ask, in plain wordsA question and the period it is about. That is all we need.
- 2Toby works it outPlain arithmetic over the legislation and ATO rates we hold for that date. No AI in the loop.
- 3Rate schedule status is shownThe answer names its source and says whether the schedule behind the figure is attested.Attested by the Compliance Lead where applicable
- 4You get the answer, and how we got thereThe figure, the working, the section cited and the date of the law. AI explains the result; it never sets a number.
Your questionWhat super do I owe on this quarter's wages?
- Working
- your wages × the rate in force
- Provision
- the section cited, quoted from the Act we hold
- As at
- the date your question is about, and the version of the law in force on it
Why you can trust it: the schedule behind this example is attested, the text comes from the Act itself, and the arithmetic is shown. None of it was written by AI.
Why you can rely on it
Where your data lives. The full residency map.
Calculated, not written
Every figure comes from the rate or threshold the ATO or the Act publishes. AI explains the result; it never sets a number.
Cited to the law
Each answer names the section or ATO page it rests on, for today or a past date we hold the law for.
Honest when it cannot answer
If a rate is not yet published, or the call is yours to make, Toby says so instead of guessing.
Held in Sydney, kept from AI
Tax file numbers, bank details, salaries, staff names and organisation identifiers never reach AI, and nothing you send trains a model. How that is held.
Beside your ledger
Sits next to Xero, MYOB or your payroll software. Never lodges, never writes back.
One price, no metering
One plan, priced per client, with packs for additional clients and users. See pricing.
How do I start?
No card is needed during the 14-day trial.
Pricing · FAQ · About · Security and privacy