For your industry
BizTools for Australian Nurses, NDIS Sole Traders + Allied Health
If you're an AU nurse, NDIS support worker, OT, physio, psych, dietitian, speech path, or other allied health practitioner working sole-trader — the tax + admin pain is real, and the software stack matters more than people admit. Everything on this page is built specifically for AU health practitioners running solo.
On this page
- Calculators for hourly rate, GST, BAS set-aside, cashflow.
- Honest software comparisons (Hnry vs Rounded for solo practitioners).
- Plain-English guides for sole trader tax + structure.
- Affiliate-disclosed partner recommendations.
Calculators
Calculators for nurses & allied health actually use
Built for the decisions you make every week — pricing, quoting, costing, GST, payroll.
Calculator
Hourly Rate Calculator
Set an hourly rate that covers your true cost base, non-billable admin time, and target take-home (especially relevant when you're choosing between agency placement vs sole-trader rates).
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Calculator
Billable Utilisation Planner
Most allied health sole traders are billable 60-75% of the time — work out what utilisation rate you actually need to hit.
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Calculator
GST Calculator AU
Important note: most therapeutic + medical services are GST-free. Use the calculator to check when GST applies (e.g. on training, equipment supply, or non-clinical work).
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Calculator
BAS Set-Aside Calculator
Only relevant if you're GST-registered (rare for purely clinical practice).
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Calculator
Cash Flow Runway Calculator
Useful for managing the gap between NDIS plan reviews / agency payment cycles.
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Calculator
Service Pricing Calculator
Build defensible session / package prices from cost + overhead + margin (more relevant for boutique private practice than NDIS-rate work).
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Guides + comparisons
Practical reading
Plain-English explanations + honest software comparisons for your persona.
Comparison
Best invoicing software for AU sole traders
Hnry vs Rounded vs Xero vs MYOB — the full 4-way comparison.
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Head-to-head
Hnry vs Rounded
The most-asked decision for AU allied health sole traders. Hnry has dedicated allied-health onboarding.
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Comparison
Best bank accounts for AU sole traders
Up, Macquarie, Wise, ANZ Plus, Hnry Account — fees, bucketing, NDIS payment receiving.
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Guide
How much tax to save as sole trader
Rules of thumb per income bracket — useful if you're new to sole-trader work.
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Guide
Sole trader vs Pty Ltd
When the structure change pays off for a private practice.
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Checklist
AU Sole Trader Quarterly Checklist
Print and run this every quarter so BAS and tax don't become panic points.
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Recommended tools
Software AU nurses + allied health actually use
Hnry has explicit allied-health vertical onboarding. Most allied health sole traders we hear from run Hnry + Up (operating account) — the lightest legitimate setup.
Hnry
Sole trader tax + invoicing on autopilot
Australian sole-trader service that handles invoicing, GST, BAS, income tax, and super so you can stop juggling spreadsheets at quarter-end.
Rounded
Invoicing + accounting for AU freelancers
Lightweight invoicing, expense tracking, GST and BAS reporting built specifically for Australian freelancers and small operators.
Up Bank
Fee-free everyday banking with great Saver Spaces
Australian-built challenger bank with no fees on the everyday account, a polished app, and 'Saver Spaces' for bucketing GST + tax + super separately from operating cash. Popular with sole traders.
See the head-to-head: Hnry vs Rounded for AU allied health →
BizTools.au may earn a small commission if you start a paid plan after clicking an affiliate link. The commission does not change the price you pay and does not influence which tools we recommend — see our disclaimer for the full version.
FAQ
Common questions
- Do I need to register for GST as an allied health sole trader?
- Generally only if your taxable turnover (NON-GST-free turnover) exceeds $75,000 in any 12-month period. Most clinical / therapeutic services are GST-free, so even higher gross revenue practitioners may not need to register. But the rule is complex — confirm your specific position with the ATO or a registered BAS agent. See our GST registration threshold guide for context.
- Hnry or Rounded for allied health?
- Hnry has explicit allied-health vertical onboarding and is widely adopted by AU OTs, physios, speech paths, psych, and NDIS support workers. The 1% fee includes BAS + tax return + super. Rounded works too, but you handle the tax/BAS yourself. Most allied health sole traders we hear from go Hnry for the time saving.
- How does NDIS payment receiving work with these accounts?
- NDIS plan-managed and self-managed payments come via standard bank transfer (no special integration needed). Your invoice number should match the participant's claim — your booking / case management system handles that, not the bank account. Any AU everyday account works (Up, Macquarie, ANZ Plus) — pick by what fits your bucketing workflow.
- Should I move to a Pty Ltd as a clinical sole trader?
- Usually only when your net profit consistently exceeds ~$120k AND you can leave some of it in the company, or when your liability exposure increases (e.g. you start employing junior practitioners under you). Below that, the Pty Ltd setup + ongoing compliance cost usually wipes out the tax saving. See sole trader vs Pty Ltd for the decision logic.
Disclaimer
A note on the recommendations
Important note
BizTools.au is designed to make business numbers easier to check, but calculator outputs still need judgment and real-world context.
- Calculator results are general estimates only and depend on the figures entered.
- Examples and summaries are provided for general information, not legal, tax, accounting, payroll, or financial advice.
- Before relying on a result for a real decision, check your assumptions and get qualified advice where needed.