# True Tally — Full Site Content for AI Indexing # Generated: April 2026 # Format: llms-full.txt (markdown mirror of all key pages) # Website: https://truetally.com.au # Contact: info@truetally.com.au | Calendly: https://calendly.com/truetally --- ## URL: https://truetally.com.au/ # True Tally | Professional Bookkeeping Geelong for Service Businesses True Tally is a registered BAS Agent and Xero Certified bookkeeper based in Geelong, Victoria, Australia. We specialise in bookkeeping, payroll management, cash flow forecasting, and BAS lodgement for service-based businesses — specifically trades businesses, allied health clinics, and consultants — across Geelong and Melbourne. ## What We Do True Tally handles the complete financial management stack for service businesses that are too busy running their operations to manage their own numbers. We take over your Xero account, clean your books, process your payroll, lodge your BAS, and give you a clear 90-day picture of your cash flow — so you always know where you stand. ## Who We Serve - **Trades businesses** — plumbers, electricians, builders, landscapers, and other tradespeople in Geelong and Melbourne - **Allied health clinics** — physiotherapists, occupational therapists, psychologists, chiropractors, speech pathologists, and other allied health professionals - **Consultants and service professionals** — management consultants, IT consultants, marketing consultants, HR professionals, and other service-based businesses ## Our Credentials - Registered BAS Agent (Tax Practitioners Board, Australia) - Xero Certified Advisor - Based in Geelong, Victoria, servicing Geelong and Melbourne ## Core Services - Bookkeeping and monthly reconciliation - Payroll processing and STP reporting - BAS preparation and lodgement - Cash flow forecasting (90-day) - Business systemisation consulting - Xero setup and integration ## Book a Free Discovery Call Book a free 20-minute call: https://calendly.com/truetally --- ## URL: https://truetally.com.au/payroll-outsourcing/ # Payroll Outsourcing Services Australia | True Tally ## What Is Payroll Outsourcing? Payroll outsourcing means handing your entire payroll process to a specialist. True Tally manages every aspect of payroll for Australian businesses — from calculating employee wages and superannuation to lodging Single Touch Payroll (STP) reports with the ATO — so payroll day is no longer something business owners dread. ## What True Tally's Payroll Service Includes - Fortnightly or weekly payroll processing - Single Touch Payroll (STP) reporting to the ATO - Superannuation calculation and lodgement - Award rate compliance checks - Leave balance tracking (annual, personal, long service) - PAYG withholding management - Contractor vs employee classification review - Payroll tax compliance - End of financial year payment summaries ## Who This Service Is For True Tally's payroll outsourcing service is built for small and medium-sized businesses in Geelong and Melbourne that employ between 1 and 30 staff, including: - Trades businesses with a mix of employees and subcontractors - Allied health clinics with employed and contractor practitioners - Consulting businesses with project-based contractors - Any business that has missed a superannuation deadline or STP lodgement ## Why Australian Businesses Outsource Payroll to True Tally Australia's payroll compliance environment is one of the most complex in the world. STP Phase 2, superannuation guarantee changes, modern award rate updates, and state-based payroll tax thresholds mean that errors are common and penalties are real. True Tally's Australian-based team stays current with every ATO update so your payroll is always compliant. ## Frequently Asked Questions — Payroll Outsourcing Australia **What is Single Touch Payroll (STP) and is it mandatory in Australia?** Single Touch Payroll is the ATO's system for receiving payroll information from employers every time they run a payroll. It is mandatory for all Australian employers, regardless of size. True Tally manages STP reporting as part of every payroll run. **How much does payroll outsourcing cost in Australia?** Payroll outsourcing for small businesses in Australia typically costs between $150 and $400 per month depending on the number of employees and pay frequency. True Tally offers fixed monthly pricing — book a free call for a tailored quote. **Can True Tally manage payroll for businesses with both employees and contractors?** Yes. True Tally manages payroll for employees under STP and processes contractor payment summaries separately, ensuring both are reported correctly to the ATO. **What is the superannuation guarantee rate in Australia?** The superannuation guarantee rate in Australia is currently 11.5% of ordinary time earnings (2024-25), rising to 12% from 1 July 2025. True Tally calculates and lodges superannuation on your behalf to ensure compliance. ## Book a Free Payroll Consultation https://calendly.com/truetally --- ## URL: https://truetally.com.au/cashflow-management/ # Cash Flow Management Services Australia | True Tally ## What Is Cash Flow Management? Cash flow management is the process of monitoring, analysing, and optimising the timing of money coming into and going out of a business. Effective cash flow management means a business always has enough cash available to meet its obligations — payroll, supplier payments, tax, and superannuation — without relying on overdrafts or emergency borrowing. ## True Tally's Approach to Cash Flow Management Cash flow planning is different for every business. The way you manage finances depends on the type of business you run, your revenue model, your payment terms, and the stage of your business. True Tally takes a structured approach to understanding your specific cash flow patterns before implementing any systems. ### Monitoring We track all cash inflows and outflows through your Xero account in real time. Every payment received and every expense paid is categorised and reconciled so you always have an accurate current picture of your cash position. ### Analysis We go beyond income and expenses to assess the overall financial health of your business. This includes reviewing credit terms with clients and suppliers, identifying slow-paying debtors, assessing the cash flow impact of large purchases, and flagging seasonal patterns that affect your available cash. ### Forecasting We build forward-looking cash flow models showing your expected position 30, 60, and 90 days ahead. This means you can see a cash shortfall coming weeks in advance — not the morning your payroll is due. ### Optimisation Based on monitoring and analysis, True Tally identifies opportunities to improve cash flow: tightening debtor payment terms, renegotiating supplier terms, timing large payments to avoid cash gaps, and structuring tax obligations into manageable instalments. ## Who Cash Flow Management Is For - Trades businesses where large jobs create uneven income cycles - Allied health clinics managing NDIS payment delays and bulk billing timing - Consultants with project-based income and irregular payment receipt - Any business owner who has ever been surprised by a cash shortfall ## Frequently Asked Questions — Cash Flow Management **What is the difference between cash flow management and bookkeeping?** Bookkeeping records what has already happened — transactions in and out. Cash flow management looks forward — it forecasts what will happen to your cash position based on known income, expenses, and obligations. True Tally provides both as part of an integrated service. **How often should a small business review its cash flow?** At minimum, monthly. True Tally provides a monthly cash flow review and 90-day forecast as part of every ongoing bookkeeping engagement, with ad-hoc reviews available when significant decisions need to be made. **Can poor cash flow management affect a business loan application?** Yes. Lenders assess cash flow consistency and forecasting quality when evaluating small business loan applications. True Tally ensures your cash flow records are accurate, well-documented, and presented in a format lenders expect. ## Book a Free Cash Flow Review https://calendly.com/truetally --- ## URL: https://truetally.com.au/cash-flow-forecasting/ # Cash Flow Forecasting Services | True Tally Geelong ## What Is Cash Flow Forecasting? Cash flow forecasting is the process of estimating the amount of money that will flow into and out of a business over a future period — typically 30, 60, or 90 days. An accurate cash flow forecast allows business owners to anticipate shortfalls, plan for large expenses, time their tax payments, and make confident decisions about hiring, purchasing, and growth. ## Why Cash Flow Forecasting Matters for Service Businesses Service businesses in Geelong and Melbourne face a specific cash flow challenge: their income is often uneven. A trades business may complete a large job but wait 30 days for payment. An allied health clinic may have a gap between delivering NDIS services and receiving the NDIS payment. A consultant may invoice a large project retainer one month and have nothing the next. Without a forward-looking cash flow forecast, business owners make decisions based on what is in their bank account today — not what is coming. This leads to overspending in good months and panic in lean ones. ## How True Tally Builds Your Cash Flow Forecast True Tally uses Xero and integrated forecasting tools to build a rolling 90-day cash flow forecast for every client. The forecast is updated monthly (or more frequently when conditions change) and includes: - All known upcoming income (invoices issued, recurring contracts, expected payments) - All fixed and variable expenses (rent, payroll, superannuation, BAS, supplier payments) - Tax obligations mapped to their actual due dates - Scenario modelling for best, expected, and conservative outcomes ## What You Get - A 90-day rolling cash flow forecast updated monthly - A plain-English summary of your cash position and upcoming obligations - Early warning of any months where cash may be tight - Confidence to make hiring, purchasing, and investment decisions ## Frequently Asked Questions — Cash Flow Forecasting **How far ahead should a small business forecast its cash flow?** Most small businesses benefit from a 90-day rolling forecast. This gives enough visibility to take action on potential shortfalls while remaining accurate enough to be useful. True Tally provides 90-day forecasts as standard, with longer-range modelling available for businesses planning major investments. **What information does True Tally need to build a cash flow forecast?** True Tally builds forecasts directly from your Xero data, supplemented by information you provide about upcoming contracts, expected payments, and planned expenses. The more complete your Xero records, the more accurate the forecast. **Can a cash flow forecast help me time my BAS payments?** Yes. True Tally maps your quarterly BAS obligations into your cash flow forecast so you always know how much GST and PAYG you are holding, and when it is due. This prevents the common situation of spending money that is owed to the ATO. **Is cash flow forecasting different from budgeting?** A budget is a plan for how you intend to spend money. A cash flow forecast shows when money will actually arrive and leave your account, accounting for payment timing differences. Both are useful — True Tally provides both as part of