TAX COPILOT
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auto_stories Getting Started Guide

Welcome to Tax-Copilot

Your complete step-by-step guide from account setup to mastering your tax and earnings.

1. Signup 2. Dashboard 3. Profile 4. Earnings 5. Expenses 6. ABN Tax 6b. My Tax 7. Reports
1

Account Setup

Create Your Account

Head to the Sign Up page and enter your email address and a strong password.

Your password must meet these requirements:

8+ characters 1 uppercase letter 1 number

You must accept the End User Agreement — tick the checkbox and read the full EULA before clicking Create Account.

⚠️ Single-session policy: Only one device can be logged in at a time. Logging in from a second device will automatically end the first session.

2

Your Home Base

The Dashboard

After logging in, you land on the Home Dashboard — your financial command centre.

Current GST Owed

Your estimated GST liability

Due In

Days until next BAS deadline

Quarter Earnings

Total gross for the period

Set Aside (Tax)

Amount to save for tax

ℹ️ Use the Tax Period dropdown to switch between quarters (Q1–Q4) or view the full financial year.

3

Personal Details & Work Mode

Set Up Your Profile

Navigate to the Profile page (bottom nav) and tap each field to enter:

personFirst & Last Name
phonePhone Number
badgeABN Number (Australian Business Number)

Choose your Work Type:

The Work Type selector is the master switch for the entire app. It controls which UI, categories, and data you see.

🚗

Rideshare Driver

Uber, DiDi, Ola drivers. Includes Magic Upload, rideshare categories (Fuel, Rego, Car Wash), and Sole Trader entity.

💼

Business Owner

Freelancers, companies, trusts. Manual earnings entry, business categories (Marketing, SaaS, Professional Services).

ℹ️ Data is fully isolated. Rideshare earnings won't appear in Business mode, and vice versa. You can switch modes any time — your data stays safe.

💡 Complete your profile early — your name appears on the dashboard and in exported reports.

4

Income Tracking

Upload Your Earnings

Go to the Earnings page. The options you see depend on your Work Type:

🚗 Rideshare Mode

Option A — Magic Upload (Recommended)

  1. Download your Tax Summary PDF from the Uber / DiDi / Ola app
  2. Drag & drop onto the upload zone (or click to browse)
  3. System auto-extracts: Gross Earnings, Fees, Tolls, Net Income
  4. Review and save

Option B — Manual Entry

  1. Click + Add Earnings and select your rideshare company
  2. Enter Gross Earnings, Tolls, and Net Payout

💼 Business Mode

Magic Upload is hidden. Use the primary Add Earnings button instead.

  1. Click + Add Earnings to open the Manual Entry form
  2. Type your Business / Company name (free-text input)
  3. Enter Gross Earnings and Net Payout (no Tolls field)
  4. Save

After saving, you'll see: Total Income, Net Income, GST Breakdown, and a full Earnings History table — filtered to your active mode only.

5

Deductions

Track Your Expenses

Business expenses reduce your taxable income and give you GST credits.

To add an expense:

Category
Vehicle, Phone, Insurance…
Amount
The dollar cost
Frequency
One-off, Weekly, Monthly…
Business Use %
Portion used for work
GST Registered?
Toggle if expense has GST
Date
When it occurred

Categories change by mode:

🚗 Rideshare

Fuel, Rego, Car Wash, Phone Plan, BHSL, Insurance

💼 Business

Marketing, Software/SaaS, Professional Services, Office Supplies

⚠️ GST is netted per quarter, not annually. Even in Full Year view, the system calculates GST owed quarter-by-quarter to match BAS requirements.

6

ABN Tax Engine

ABN Tax Dashboard

The ABN Tax Dashboard is your business-focused calculation engine. It shows your entity's income tax, GST position, and total ATO obligation.

Estimate Tracker vs Actual Tax:

Use the tabs at the top to switch between modes. This same toggle appears on My Tax, ABN Tax, and the Personal Report.

📊 Estimate Tracker

Uses projected earnings and expenses to forecast your tax. Great for mid-year planning and "what if" scenarios.

✅ Actual Tax

Uses verified earnings and bank data. Switch to this mode at end of financial year before lodging your return.

Configure your tax profile:

Residency Tax Treatment
PR / Citizen$18,200 tax-free threshold, Medicare, HECS, offsets
Working Holiday (417/462)15% flat on first $45k, no threshold, no HECS
Other Visa (Resident)Standard resident rates, no HECS
Entity Type Tax Treatment
Sole TraderAll income at personal progressive rates (Rideshare only)
Company25% small business rate + optional director distributions
TrustFlow-through — income distributed to beneficiaries at individual rates
PartnershipFlow-through — income distributed to partners at individual rates

Tax Profile Toggles:

These toggles directly affect the real-time tax estimate. They persist automatically — set them once and they stay.

info

Employment Income & Medicare

PAYG employment income and Medicare Levy are now managed in My Tax (Step 6b). The ABN Tax page focuses purely on your business/entity income.

health_and_safety

Private Hospital Cover

Toggle ON to avoid the Medicare Levy Surcharge (MLS). High earners without cover pay an extra 1–1.5%.

savings

Tax Offsets (LITO/SBITO)

Applies the Low Income Tax Offset and 16% Small Business Income Tax Offset to reduce your bill.

school

HECS/HELP Debt

Calculates compulsory student loan repayments based on your total repayment income.

💡 All toggle and dropdown changes are saved automatically as you go — no save button needed.

6b

Personal Tax Engine

My Tax — Personal Calculator

The My Tax page calculates your combined personal tax position — TFN employment income plus ABN/business distributions, all in one place.

Estimate Tracker vs Actual Tax:

At the top of both My Tax and the Personal Report, you'll see two tabs. These control which set of data you're working with:

📊 Estimate Tracker

Purpose:

Plan ahead during the year. Enter your expected salary, projected ABN profit, and estimated deductions to see how much tax you'll likely owe.

When to use:

  • Mid-year tax planning
  • Deciding how much to set aside
  • "What if" scenarios (e.g. salary change)

✅ Actual Tax

Purpose:

Enter your real, verified figures at tax time. Use amounts from your PAYG Summary, actual bank statements, and confirmed ABN profit.

When to use:

  • End of financial year (after June 30)
  • When you have your PAYG summary
  • Before your tax appointment

ℹ️ Data is saved separately. Switching tabs does not overwrite the other mode. You can fill in Estimate figures now and Actual figures later — both are preserved independently.

Employment Income Toggle:

toggle_on

"Do you have employment income?"

Controls whether TFN/PAYG fields are visible. Turn OFF if you're a sole trader or only earn business income.

Toggle ON

Shows: Salary, PAYG, Salary Sacrifice, Work Deductions

Toggle OFF

Hides all TFN sections. Tax on business income only.

When Toggle is ON:

payments

Annual Gross Salary

Your total pre-tax salary from an employer (TFN employment income).

receipt_long

PAYG Withheld

Tax already deducted by your employer. Leave blank for auto-estimate, or enter the exact amount from your payslip.

savings

Salary Sacrifice

Toggle ON to enter pre-tax super or novated lease. Reduces taxable income and auto-recalculates PAYG.

Personal Circumstances:

local_hospital

Medicare Levy (2%)

Auto-calculated. Exemption available for foreign residents or low income.

health_and_safety

Private Hospital Cover

Avoids Medicare Levy Surcharge (1–1.5%) for incomes above $90k.

school

HECS/HELP Debt

Compulsory repayment calculated per ATO 2024-25 bands (kicks in above $54,435).

Work-Related Deductions:

Only available when the Employment Toggle is ON. Click "Add Deductions" to open the modal.

home_work

Work From Home (WFH)

ATO Revised Fixed Rate: $0.67/hour. Enter days/week and hours/day.

description

Other Deductions

Tools, uniforms, professional development, etc.

⚠️ WFH deductions are employee-only. Sole traders should claim business expenses through ABN Expenses (Step 5) instead.

💡 All inputs and toggles are saved per mode (Estimate vs Actual) and persist across sessions.

7

Export & Share

Generate Reports

Tax-Copilot offers two types of reports:

📊 Accountant Report

From the Earnings page. Summarises ABN income, fees, tolls, and GST by quarter.

  1. Select the quarter to report on
  2. Review: Gross Earnings, Fees, Net Income, GST Summary
  3. Click Export PDF to download

📄 Personal Tax Report

From the My Tax page. Click "Personal Report" (top-right).

  1. Shows combined personal income (TFN + ABN distributions)
  2. Includes salary sacrifice, work deductions, LITO, Medicare, HECS
  3. Respects your TFN toggle — if OFF, employment fields are hidden
  4. Shows Final Settlement: Total Liability, Credits (PAYG + Franking), Net Debt/Refund
  5. Click Export PDF to print or save

💡 Download both reports before your tax appointment — they give your accountant everything they need.

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Your Data is Protected

Security Features

Single Session

1 device at a time — second login kicks the first

Auto Timeout

Logout after 30 min inactivity

Encrypted Auth

JWT token-based sessions with 7-day expiry

Rate Limiting

Brute-force protection on login & signup

Password Reset

Secure email-based recovery via Brevo

EULA Enforced

Agreement must be accepted before access

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Pro Tips

Get the Most Out of Tax-Copilot

1.Start with Earnings — Upload your Uber tax summary first to see your GST position
2.Log expenses weekly — Don't wait until tax time; add fuel, phone, insurance as you go
3.Check Tax monthly — See how much to set aside so there are no surprises at EOFY
4.Use correct dates — When adding expenses, match the date to the actual transaction
5.Switch to Actual Tax — When ready to lodge, switch from Estimate to Actual mode
6.Export your report — Download the Accountant Report PDF before your tax appointment
cloud_done Settings are automatically saved as you go

Tax-Copilot by SysRidge

This guide is for informational purposes. Tax-Copilot is not a licensed tax agent.