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★ FEATURED 6 MIN READ UPDATED 29 JULY 2026

Q4 BAS is due 28 July — set aside the right amount this week

If you lodge your own BAS, the Q4 bill — covering April, May and June — is due Monday 28 July 2026. Here's how to work out exactly what you owe, the set-aside habit that makes it painless every quarter, and what to do if the cash isn't there yet.

The Q4 Business Activity Statement covers the April–June quarter, and for self-lodgers the deadline is Monday 28 July 2026. Via a registered BAS agent the extended date is 25 August 2026 — but if you're reading this and you lodge your own, this week is the week.

What's in a Q4 BAS

The core sum is straightforward: GST on your sales (1A) minus GST credits on your business purchases (1B) equals your net GST. If you're on PAYG instalments, add the quarter's instalment and that's the total bill.

For a sole trader or small business reporting on a cash basis — the option available to businesses under $10 million aggregated turnover — you enter what actually landed in your account and what you actually paid in the quarter, not what you invoiced or received invoices for.

The arithmetic in two lines

GST in an inclusive price: divide by 11. A customer paid you $110 — the GST inside it is $10. This is the right formula; taking 10% of the inclusive amount overshoots.

GST on an exclusive price: multiply by 10%. You invoiced $1,000 ex-GST — the GST is $100, total $1,100.

▶ Net GST: how the quarter's bill is built

Sales (1A — GST on taxable sales)
$3,000
Less credits (1B — GST on purchases)
−$800
Net GST owing
$2,200
Example — $33,000 GST-inclusive sales · $8,800 GST-inclusive purchases

What to leave out

Only enter sales and purchases that actually carry GST. A few things that feel relevant but don't belong:

  • Wages — if you have staff, wages go at W1 (tax withheld at W2), not in your sales. There are no GST credits on wages.
  • Superannuation — never appears on a BAS; goes directly to your employees' super funds.
  • Purchases from unregistered suppliers — no GST was charged, so there's no credit to claim.
  • Bank fees and interest — input-taxed, no credit.
  • Stamp duty — a state tax with no GST in it.

The weekly set-aside habit for next quarter

The Q4 bill lands because the money was spent instead of parked. The fix isn't discipline — it's a system.

Option A — the bill-based approach: divide your expected quarterly BAS bill by 13 and move that amount into a separate account each week. The bill funds itself before the due date arrives.

Option B — the per-dollar approach: bank 1/11 of every GST-inclusive dollar the day it hits your account. Whatever the quarter ends up doing, the GST side of the bill is funded by definition. You still need to cover the PAYG instalment separately, but there's no forecasting required.

For sole traders not yet on PAYG instalments, a rough 25–30% of net profit set aside for income tax is a reasonable starting point — but your actual rate depends on your total taxable income. The income tax calculator will give you the real number.

What if the cash isn't there on 28 July

Lodge anyway. Lodging and paying are separate obligations, and lodging on time keeps failure-to-lodge penalties off your account. The ATO offers payment plans — interest keeps accruing, but a plan is far cheaper than ignoring the bill.

That interest matters more than it used to. The ATO's general interest charge (GIC) sits at 11.43% p.a. for the July–September 2026 quarter, compounding daily. And since 1 July 2025, GIC is no longer tax-deductible — which makes an unpaid BAS effectively an ~11.4% after-tax loan. Not one most businesses would choose on purpose.

FY 2026–27 due dates — the full picture

QuarterPeriodStandard due dateVia BAS/tax agent
Q4 ← nowApr–Jun28 July 202625 August 2026
Q1Jul–Sep28 October 2026Later — confirm with your agent
Q2Oct–Dec28 February 2027No extension past 28 February
Q3Jan–Mar28 April 2027Later — confirm with your agent

Two notes worth keeping: lodging online instead of on paper generally adds around two extra weeks to the standard dates. And monthly lodgers are due on the 21st of the following month. The Q2 quirk — 28 February already includes the standard holiday concession, so an agent can't extend it further.

Do you need to be registered for GST at all?

GST registration is compulsory once your annual GST turnover reaches $75,000 (or $150,000 for non-profits). Taxi and rideshare drivers are the exception — they must register from their first dollar of income, regardless of turnover. Once you're registered, you charge GST on all taxable sales and can claim input tax credits on business purchases.

Below the threshold, registration is voluntary — but if you register, all the obligations apply, including lodging BAS on time.

For a sole trader or contractor just crossing the $75,000 mark, the contractor hourly rate calculator helps you build the GST obligation — and the tax set-aside — into your pricing from the start.

SOURCES
· Australian Taxation Office — BAS due dates
· ATO General Interest Charge rates
· ATO PAYG instalments guide
· ATO GST accounting methods
Disclaimer: This article is general information only and is not financial or tax advice. Figures are estimates based on publicly available rates and thresholds and may change. Always consult a registered tax agent or licensed financial adviser about your specific circumstances. AusCalcs is not affiliated with the Australian Government or the ATO.

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