{"id":4070,"date":"2025-07-03T15:15:06","date_gmt":"2025-07-03T05:15:06","guid":{"rendered":"https:\/\/blog.amt.org.au\/?p=4070"},"modified":"2025-07-03T15:15:23","modified_gmt":"2025-07-03T05:15:23","slug":"deliberately-keeping-your-income-under-75k-to-avoid-having-to-deal-with-gst-you-might-want-to-rethink-that","status":"publish","type":"post","link":"https:\/\/blog.amt.org.au\/index.php\/2025\/07\/03\/deliberately-keeping-your-income-under-75k-to-avoid-having-to-deal-with-gst-you-might-want-to-rethink-that\/","title":{"rendered":"Deliberately Keeping Your Income Under $75k to Avoid Having to Deal with GST? You Might Want to Rethink That"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">by Anna Mitchell<\/h3>\n\n\n\n<p><em>Disclaimer: This content is for general educational purposes only and does not constitute tax advice. Please speak to a registered BAS or tax agent about your specific tax circumstances.<\/em><\/p>\n\n\n\n<p>\u201cBetter not earn too much or I\u2019ll have to register for GST!\u201d <\/p>\n\n\n\n<p>Sound familiar?<\/p>\n\n\n\n<p>It\u2019s a common practice in the massage therapy world: keeping your income under $75,000 so you don\u2019t have to register for GST.<\/p>\n\n\n\n<p>If you\u2019ve ever slowed down your bookings, kept prices low, or avoided marketing just to stay under the threshold, you\u2019re not alone. But here\u2019s the kicker: that strategy might be costing you more than you think, and not just financially.<\/p>\n\n\n\n<p>Avoiding GST obligations makes sense to many sole trader massage therapists: you avoid another tiresome registration process; you don\u2019t have to modify your invoicing and accounting systems to add GST to client invoices; you don&#8217;t have to separate GST out of purchases and expenses; and you don\u2019t have to lodge that quarterly \u2013 or worse, monthly \u2014 BAS. And you don\u2019t have to spread yourself even thinner to allocate precious time and energy to these things.<\/p>\n\n\n\n<p>But is it actually a good strategy for your business long-term?<\/p>\n\n\n\n<p>Let\u2019s take a look, from both a numbers and a mindset perspective.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"810\" height=\"392\" src=\"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-02-Warning-Maths-1.jpg?resize=810%2C392&#038;ssl=1\" alt=\"\" class=\"wp-image-4075\" srcset=\"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-02-Warning-Maths-1.jpg?w=810&amp;ssl=1 810w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-02-Warning-Maths-1.jpg?resize=300%2C145&amp;ssl=1 300w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-02-Warning-Maths-1.jpg?resize=768%2C372&amp;ssl=1 768w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-02-Warning-Maths-1.jpg?resize=750%2C363&amp;ssl=1 750w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#009ca6\" class=\"has-inline-color\">If you think it\u2019s not worth the effort, you\u2019d be right\u2026 at $75k<\/mark><\/strong><\/h3>\n\n\n\n<p>Let\u2019s say your annual revenue is $75,000 and then pretend that GST registration is voluntary.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Annual Revenue $75,000, Not Registered for GST<\/strong><\/h4>\n\n\n\n<ol style=\"list-style-type:upper-alpha\" class=\"wp-block-list\">\n<li><\/li>\n<\/ol>\n\n\n\n<p>Assuming 20% of that revenue goes to business expenses, here\u2019s how the numbers stack up:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Income:<\/strong> $75,000<\/li>\n\n\n\n<li><strong>Expenses: <\/strong>$15,000 ($75,000 Revenue x 20%)<\/li>\n<\/ul>\n\n\n\n<p><mark style=\"background-color:#009ca6\" class=\"has-inline-color has-white-color\">Side note: When you\u2019re <strong>not<\/strong> registered for GST, the expense amount you claim on your income tax return <strong>includes<\/strong> the GST. But you don\u2019t get the full GST amount back &#8211; &nbsp;it just reduces your taxable income and therefore the amount of income tax you have to pay.<\/mark><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Profit before tax:<\/strong> $60,000 ($75,000 Revenue &#8211; $15,000 Expenses)<\/li>\n\n\n\n<li><strong>Income tax <\/strong>+ <strong>Medicare Levy<\/strong> <strong>(approx):<\/strong> $ 9,988 (see the MoneySmart income tax calculator <a href=\"https:\/\/moneysmart.gov.au\/work-and-tax\/income-tax-calculator#disclaimers\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a> for more detail)<\/li>\n\n\n\n<li><strong>After-tax profit:<\/strong> $50,012<\/li>\n<\/ul>\n\n\n\n<p>Apart from the conniption you might have due to the realisation that the grubbyment is making out like a bandit with ten grand of your money, \u00a0it\u2019s straightforward. Maybe the ATO puts you on its PAYG system and you prepay what it estimates will be next year\u2019s bill in quarterly instalments. (I hope you\u2019re setting that money aside throughout the year in preparation for that income tax bill. Too many therapists aren\u2019t!).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Annual Revenue $75,000, Registered for GST<\/strong><\/h4>\n\n\n\n<p>Assuming again that business expenses are 20% of business revenue and include GST, here\u2019s what happens this time:<\/p>\n\n\n\n<p><strong>BAS return:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>GST collected: <\/strong>$7,500.00 ($75,000 Revenue x 10%)<\/li>\n\n\n\n<li><strong>GST paid (claimable):<\/strong> $1,363.64 ($15,000 Expenses divided by 1.1, unless your receipts include GST-free or non-GST items).<\/li>\n<\/ul>\n\n\n\n<p><mark style=\"background-color:#009ca6\" class=\"has-inline-color has-white-color\">Note: If you suck at maths and thought it should be divided by 10 here, then no. When a price includes GST, that means:<\/mark><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><mark style=\"background-color:#009ca6\" class=\"has-inline-color has-white-color\">10 parts = the original price<\/mark><\/li>\n\n\n\n<li><mark style=\"background-color:#009ca6\" class=\"has-inline-color has-white-color\">1 part = the GST<\/mark><\/li>\n\n\n\n<li><mark style=\"background-color:#009ca6\" class=\"has-inline-color has-white-color\">Total = 11 parts<\/mark><\/li>\n<\/ul>\n\n\n\n<p><mark style=\"background-color:#009ca6\" class=\"has-inline-color has-white-color\">So, we divide by 11 to get that one part, the GST.<\/mark><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Net GST payable to ATO: <\/strong>$6,136.36<\/li>\n<\/ul>\n\n\n\n<p><strong>Income Tax Return:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Profit before tax: &nbsp;<\/strong>$61,364 ($75,000 Revenue \u2013 Expenses <em>without<\/em> GST, i.e. ($15,000 Expenses &#8211; $1,363.64 already claimed on BAS)<\/li>\n\n\n\n<li><strong>Income tax + Medicare Levy (approx): <\/strong>$10,424 (see the MoneySmart income tax calculator <a href=\"https:\/\/moneysmart.gov.au\/work-and-tax\/income-tax-calculator#disclaimers\">here<\/a> for more detail)<\/li>\n\n\n\n<li><strong>After-tax profit: <\/strong>$ 50,940<\/li>\n<\/ul>\n\n\n\n<p>Here it is side by side if that makes it easier to process it:<strong><br><\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-03-GST-at-75k.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-4076\" srcset=\"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-03-GST-at-75k.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-03-GST-at-75k.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-03-GST-at-75k.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-03-GST-at-75k.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-03-GST-at-75k.jpg?resize=750%2C750&amp;ssl=1 750w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-03-GST-at-75k.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<h4 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#009ca6\" class=\"has-inline-color\">Comparison: GST Registered vs Not Registered (at $75k Revenue)<\/mark><\/strong><\/h4>\n\n\n\n<p>So, you\u2019re $928 better off by registering for GST. The reason for that is that you can claim the <em>full<\/em> GST amount on business expenses, rather than just your income tax rate percentage of it.<\/p>\n\n\n\n<p>If you\u2019re now thinking, <em>I\u2019m not going through all that rigmarole just for a lousy $928,<\/em> I don\u2019t blame you!<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#009ca6\" class=\"has-inline-color\">What if you earned more?<\/mark><\/strong><\/h4>\n\n\n\n<p>What if you were to let your income go higher and just surrender to the whole GST thing?<\/p>\n\n\n\n<p>Here\u2019s what happens if your revenue is $100,000 and you <em>collect<\/em> another $10,000 on top of that by adding 10% GST to your client invoices (You\u2019re not earning this money because it\u2019s not your income, you\u2019re just collecting a tax on behalf of the grubbyment (congratulations on your new unpaid job as a tax collector):<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"810\" height=\"392\" src=\"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-04-More-Maths.jpg?resize=810%2C392&#038;ssl=1\" alt=\"\" class=\"wp-image-4077\" srcset=\"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-04-More-Maths.jpg?w=810&amp;ssl=1 810w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-04-More-Maths.jpg?resize=300%2C145&amp;ssl=1 300w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-04-More-Maths.jpg?resize=768%2C372&amp;ssl=1 768w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-04-More-Maths.jpg?resize=750%2C363&amp;ssl=1 750w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><\/figure>\n<\/div>\n\n\n<p>You earn <strong>$100,000<\/strong> + <strong>$10,000 GST<\/strong><br>So your clients pay you <strong>$110,000 total<\/strong><\/p>\n\n\n\n<p>You spend <strong>$20,000 total<\/strong> on business stuff (which, again, includes GST)<\/p>\n\n\n\n<p>What happens:<\/p>\n\n\n\n<p><strong>GST (handled in your BAS):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You collected $10,000 GST from your clients on behalf of the ATO<\/li>\n\n\n\n<li>You paid $1,818.18 GST to suppliers (the GST included in your $20,000 expenses, or $20,000 \/ 11)<\/li>\n\n\n\n<li>You give the ATO the difference: $8,182.82 ($10,000 GST Collected &#8211; $1,818.18 GST Paid)<\/li>\n<\/ul>\n\n\n\n<p><strong>Income Tax (handled in your tax return):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Income:<\/strong> $100,000<\/li>\n\n\n\n<li><strong>Expenses:<\/strong> $18,181.82 ($20,000 Expenses &#8211; $1,818.18 GST already claimed on your BAS)<\/li>\n\n\n\n<li><strong>Profit before tax:<\/strong> $81,818<\/li>\n\n\n\n<li><strong>Income tax + Medicare Levy (approx):<\/strong> $16,970 (see the MoneySmart income tax calculator <a href=\"https:\/\/moneysmart.gov.au\/work-and-tax\/income-tax-calculator#disclaimers\">here<\/a> for more detail)<\/li>\n\n\n\n<li><strong>After-tax profit:<\/strong> $64,848<\/li>\n<\/ul>\n\n\n\n<p>Which is a $14,836 reward ($64,848 after-tax profit less $50,012 after tax profit) <strong><em>per year<\/em><\/strong> for getting over your fear of the whole GST thing.<\/p>\n\n\n\n<p>Here\u2019s the $75k \u201cAvoid the GST thing at all costs\u201d vs the $100k \u201cGST-Schmee-ST, I\u2019d rather make more money\u201d scenarios side by side if that makes it easier to process:<strong><br><\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#009ca6\" class=\"has-inline-color\">Comparison: Not Registered vs Registered for GST (with $100k Revenue + GST)<\/mark><\/h4>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-05-GST-75k-v-100k.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-4078\" srcset=\"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-05-GST-75k-v-100k.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-05-GST-75k-v-100k.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-05-GST-75k-v-100k.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-05-GST-75k-v-100k.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-05-GST-75k-v-100k.jpg?resize=750%2C750&amp;ssl=1 750w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-05-GST-75k-v-100k.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p>Honey, that\u2019s enough to pay a registered BAS agent to do your books every month and prepare your BAS every quarter, <em><strong>and<\/strong><\/em> go on a damn good holiday each year (assuming your bookkeeping is reasonably straightforward and they don\u2019t have to wade through a decade\u2019s worth of \u201cshoebox accounting\u201d).<\/p>\n\n\n\n<p>If you need to know more about what bookkeepers charge, <a href=\"https:\/\/numble.com.au\/how-much-does-bookkeeping-cost\/\" target=\"_blank\" rel=\"noreferrer noopener\">here\u2019s<\/a> a good article about it.<\/p>\n\n\n\n<p>And if you have a simple sole trader business, GST and BAS really aren\u2019t that hard once you get the hang of it and set up your systems for it. You might even be able to do it all yourself and have an <em><strong>even better<\/strong><\/em> holiday!<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#009ca6\" class=\"has-inline-color\">$50k after tax profit isn\u2019t the same as a $50k take home pay from a job<\/mark><\/strong><\/h4>\n\n\n\n<p>Okay, so you\u2019re taking home $50k after tax. But that\u2019s not the same as a $50k take home pay from a job.<\/p>\n\n\n\n<p>A $50k <em>employee salary<\/em> comes with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Paid holidays<\/li>\n\n\n\n<li>Sick leave<\/li>\n\n\n\n<li>Super<\/li>\n\n\n\n<li>Worker\u2019s comp<\/li>\n\n\n\n<li>Maybe even bonuses, training, or overtime.<\/li>\n<\/ul>\n\n\n\n<p>But $50k as a sole trader? That\u2019s all on <em>you<\/em>. No holidays. No super. No safety net. Just your two hands, your body, and the hope you don\u2019t get injured or burnt out.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#009ca6\" class=\"has-inline-color\">The GST threshold hasn\u2019t changed since 2007<\/mark><\/h4>\n\n\n\n<p>The final thing I want to say with my accountant\u2019s hat on is that the GST threshold of $75k hasn\u2019t changed since 2007. It was raised to that from the initial threshold of $50k. It\u2019s not indexed to inflation: if it was, it\u2019d be around $120,000 by now.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"810\" height=\"392\" src=\"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-06-Waiting-for-GST-Threshold.jpg?resize=810%2C392&#038;ssl=1\" alt=\"\" class=\"wp-image-4079\" srcset=\"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-06-Waiting-for-GST-Threshold.jpg?w=810&amp;ssl=1 810w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-06-Waiting-for-GST-Threshold.jpg?resize=300%2C145&amp;ssl=1 300w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-06-Waiting-for-GST-Threshold.jpg?resize=768%2C372&amp;ssl=1 768w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-06-Waiting-for-GST-Threshold.jpg?resize=750%2C363&amp;ssl=1 750w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><\/figure>\n<\/div>\n\n\n<p>So, with the inflationary effects of money, deliberately keeping your income under the GST threshold year after year means you\u2019re effectively giving yourself a pay cut every year.<\/p>\n\n\n\n<p>Dude. Your boss <em>sucks<\/em>.<\/p>\n\n\n\n<p>I\u2019ve written another article about the effect of inflation on your income <a href=\"https:\/\/blog.amt.org.au\/index.php\/2025\/06\/24\/if-you-charged-100-per-hr-in-2020-and-havent-raised-your-rates-since-youre-actually-only-earning-83-now\/\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#009ca6\" class=\"has-inline-color\">The money coach\u2019s two cents: how staying under $75k hurts you<\/mark><\/h4>\n\n\n\n<p>Ok that\u2019s the accountant\u2019s argument for getting over your aversion to the whole GST thing. Now let me put on my money coach hat and give you some more things to consider if you\u2019re deliberately keeping your income under $75k just to avoid the GST system.<\/p>\n\n\n\n<p><strong>&nbsp;1. You\u2019re <em>capping<\/em> your income \u2014 on purpose<\/strong><\/p>\n\n\n\n<p>You start making real money, and instead of riding that wave, you pump the brakes. Why? Because you\u2019re afraid of the paperwork. That\u2019s self-sabotage disguised as &#8220;smart business&#8221;.<\/p>\n\n\n\n<p><strong>&nbsp;2. You\u2019re not just avoiding admin, you\u2019re avoiding growth<\/strong><\/p>\n\n\n\n<p>Staying under the threshold usually means:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Not marketing harder<\/li>\n\n\n\n<li>Not raising prices<\/li>\n\n\n\n<li>Not booking out<\/li>\n<\/ul>\n\n\n\n<p>You shrink your own business so you don\u2019t have to deal with GST. That\u2019s not business strategy, that\u2019s fear management.<\/p>\n\n\n\n<p><strong>&nbsp;3. You\u2019re wasting time managing your <em>limits<\/em> instead of your potential<\/strong><\/p>\n\n\n\n<p>Every time you eye your calendar or Stripe account thinking, <em>\u201cBetter slow down or I\u2019ll go over,\u201d<\/em> you\u2019re wasting brainpower that could be spent building better systems, services, or pricing.<\/p>\n\n\n\n<p><strong>4. You\u2019re locking yourself out of legit opportunities<\/strong><\/p>\n\n\n\n<p>Want to subcontract? Land corporate wellness or sports organisation clients? Apply for grants? Collaborate with allied health providers? They\u2019ll want you GST-registered. Playing small isn\u2019t just about the money, it limits your career options.<\/p>\n\n\n\n<p>And let\u2019s not forget all those government grants you missed out on during the height of the COVID pandemic because you weren\u2019t registered for GST.<\/p>\n\n\n\n<p><strong>5. It builds a subconscious glass ceiling<\/strong><\/p>\n\n\n\n<p>The longer you stay under, the scarier it seems to go over. The resistance builds. You start believing that <em>$75k is your limit.<\/em><\/p>\n\n\n\n<p>Here\u2019s a question for you:<\/p>\n\n\n\n<p><strong>Would you <em>still<\/em> be keeping your income under $75k if you weren\u2019t dodging GST?<\/strong><\/p>\n\n\n\n<p>Probably not. And if the answer is no &#8211; if your business would <em>naturally<\/em> grow past that threshold &#8211; then dodging GST isn\u2019t protecting your business, it\u2019s stunting it.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#009ca6\" class=\"has-inline-color\">The fear of losing clients by charging more<\/mark><\/h4>\n\n\n\n<p>Now, if you\u2019re thinking,<br>\u201cBut I <em>can\u2019t<\/em> raise my prices \u2014 I\u2019ll lose clients!\u201d<\/p>\n\n\n\n<p>You might be right. But here\u2019s the thing: if your clients drop off the second you raise prices, they were probably never in it for the long haul anyway. And, chances are, you&#8217;re undercharging for your skill, your presence, and the work you do.<\/p>\n\n\n\n<p>There <em>are<\/em> clients out there who will happily pay more and they&#8217;re often the ones who respect your boundaries, show up on time, and re-book without flinching.<\/p>\n\n\n\n<p>So, ask yourself honestly:<\/p>\n\n\n\n<p>Am I <em>really<\/em> protecting your business by avoiding GST or am I just holding it back?<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#009ca6\" class=\"has-inline-color\">Don\u2019t let the tax man stand between you and your potential<\/mark><\/strong><\/h4>\n\n\n\n<p>If you\u2019ve been treating $75k like a glass ceiling because of GST, it might be time to get your Theracane out and smash it.<\/p>\n\n\n\n<p>You can absolutely learn how to handle GST, or get help from someone who already knows how.<\/p>\n\n\n\n<p>Either way, don\u2019t let fear of paperwork keep you from growing into the business (and income) you\u2019re capable of.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#009ca6\" class=\"has-inline-color\">About the author<\/mark><\/h4>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile is-vertically-aligned-top\"><figure class=\"wp-block-media-text__media\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"357\" height=\"392\" src=\"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-3-Profile-Pic-06-Name.jpg?resize=357%2C392&#038;ssl=1\" alt=\"\" class=\"wp-image-4072 size-full\" srcset=\"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-3-Profile-Pic-06-Name.jpg?w=357&amp;ssl=1 357w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-3-Profile-Pic-06-Name.jpg?resize=273%2C300&amp;ssl=1 273w, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-3-Profile-Pic-06-Name.jpg?resize=300%2C329&amp;ssl=1 300w\" sizes=\"auto, (max-width: 357px) 100vw, 357px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p>Anna Mitchell is a degree-qualified accountant who was also a massage therapist for a few years. She worked for corporate wellness agencies on an ABN and avoided her accounting like massage clients avoid doing the stretches you recommend.<\/p>\n\n\n\n<p>All that sticking her head in the sand got her was nine years behind on her tax returns. Nine Years. If an <em>accountant<\/em> can mess up her accounting that bad, maybe you\u2019re not such a loser after all.<\/p>\n\n\n\n<p>After untangling that mess in 2019, she built herself a system to make sure it never happened again. That turned into <a href=\"https:\/\/thataccountingstuff.com.au\/?utm_source=AMT%20Blog&amp;utm_medium=Blog&amp;utm_campaign=AMT%20Blog%20Post%2001%20Accounting%20is%20not%20%20tax&amp;utm_term=28-05-2025\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>That Accounting Stuff<\/strong><\/a>, online courses for sole traders who would rather eat a book than do their books.<\/p>\n\n\n\n<p>Now she helps people like you go from Accounting Zero to Accounting Hero so you can ditch the tax-time panic, stop those nasty cashflow-destroying surprises, and finally feel like a \u2018proper\u2019 business owner who knows their key numbers (and is way more likely to succeed).<\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>To GST or not GST &#8230;<\/p>\n<p>In this third and final instalment of our oxymoronically fun accounting series, Anna Mitchell makes the case for embracing GST registration. <\/p>\n","protected":false},"author":1,"featured_media":4073,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1027,50],"tags":[1018,28,1016,598,215,1029,1028],"class_list":["post-4070","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-members","tag-accounting","tag-amt","tag-anna-mitchell","tag-association-of-massage-therapists","tag-gst","tag-gst-threshold","tag-registering-for-gst"],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/07\/Post-003-01-Header-Image.jpg?fit=810%2C392&ssl=1","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":760,"url":"https:\/\/blog.amt.org.au\/index.php\/2018\/05\/10\/how-to-spot-a-bad-employment-contract\/","url_meta":{"origin":4070,"position":0},"title":"How To Spot A Bad Employment Contract","author":"admin","date":"10\/05\/2018","format":false,"excerpt":"How do you spot a bad contract if you're not a contract expert? There are a few key indicators that the contract you've been asked to sign is dodgy. Let us walk you through a few of them, and we'll share pointers on how to get accurate information for practitioners\u2026","rel":"","context":"In &quot;Professional Practice&quot;","block_context":{"text":"Professional Practice","link":"https:\/\/blog.amt.org.au\/index.php\/category\/professional-practice\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2018\/05\/Contract1.png?fit=1200%2C1003&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2018\/05\/Contract1.png?fit=1200%2C1003&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2018\/05\/Contract1.png?fit=1200%2C1003&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2018\/05\/Contract1.png?fit=1200%2C1003&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2018\/05\/Contract1.png?fit=1200%2C1003&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":3298,"url":"https:\/\/blog.amt.org.au\/index.php\/2021\/06\/23\/i-had-written-him-a-letter\/","url_meta":{"origin":4070,"position":1},"title":"I Had Written Him A Letter","author":"admin","date":"23\/06\/2021","format":false,"excerpt":"When her business shut down for the upteenth time due to COVID and she had no income, Meredith Spark refused to do nothing. This is her story.","rel":"","context":"In &quot;AMT&quot;","block_context":{"text":"AMT","link":"https:\/\/blog.amt.org.au\/index.php\/category\/amt\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2021\/06\/child-5929445_640.jpg?fit=640%2C505&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2021\/06\/child-5929445_640.jpg?fit=640%2C505&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2021\/06\/child-5929445_640.jpg?fit=640%2C505&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":4043,"url":"https:\/\/blog.amt.org.au\/index.php\/2025\/06\/18\/accounting-is-not-tax\/","url_meta":{"origin":4070,"position":2},"title":"Accounting is not tax!","author":"admin","date":"18\/06\/2025","format":false,"excerpt":"It's getting close to the end of the financial year so we're running a series of financially-themed blog posts by accountant and former massage therapist, Anna Mitchell. We know you're going to love Anna's conversational style. Happy reading!","rel":"","context":"In &quot;Resources&quot;","block_context":{"text":"Resources","link":"https:\/\/blog.amt.org.au\/index.php\/category\/resources\/"},"img":{"alt_text":"Accounting does not equal tax. Image shows a wizard figure with the lavel \"accountant\" and a generic suited bureaucrat with a bag of money for a head which is labelled tax. The two figures are separated by a does not equal mathermatical sign.","src":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/06\/Post-001-01-Header-Image.jpg?fit=810%2C392&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/06\/Post-001-01-Header-Image.jpg?fit=810%2C392&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/06\/Post-001-01-Header-Image.jpg?fit=810%2C392&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/06\/Post-001-01-Header-Image.jpg?fit=810%2C392&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":4058,"url":"https:\/\/blog.amt.org.au\/index.php\/2025\/06\/24\/if-you-charged-100-per-hr-in-2020-and-havent-raised-your-rates-since-youre-actually-only-earning-83-now\/","url_meta":{"origin":4070,"position":3},"title":"If You Charged $100 per hr in 2020 and Haven\u2019t Raised Your Rates Since, You\u2019re Actually Only Earning $83 Now","author":"admin","date":"24\/06\/2025","format":false,"excerpt":"If you\u2019re basing your rates on what clients \u201ccan afford\u201d or what \u201cfeels fair\u201d without doing the maths on your actual costs and inflation, you\u2019re running your business on vibes. In this week's blog post, Anna Mitchell outlines why vibes, like \u2018exposure\u2019, don\u2019t pay the bills. Have you ever tried\u2026","rel":"","context":"In &quot;Resources&quot;","block_context":{"text":"Resources","link":"https:\/\/blog.amt.org.au\/index.php\/category\/resources\/"},"img":{"alt_text":"Image shows a woman with a sad face, arms crossed and slumping onto a table, with a jar in front of her that contains a small amount of small change.","src":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/06\/Post-002-01-Header-Image.jpg?fit=810%2C392&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/06\/Post-002-01-Header-Image.jpg?fit=810%2C392&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/06\/Post-002-01-Header-Image.jpg?fit=810%2C392&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/06\/Post-002-01-Header-Image.jpg?fit=810%2C392&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":210,"url":"https:\/\/blog.amt.org.au\/index.php\/2017\/10\/30\/how-to-set-a-price-for-massage\/","url_meta":{"origin":4070,"position":4},"title":"How to Set a Price For Massage","author":"admin","date":"30\/10\/2017","format":false,"excerpt":"By Dave Moore How much should you be charging for a massage treatment? Do you follow what other therapists charge or do you examine your labour hours, outgoings, inflation and other operational costs? With some simple steps, I\u2019ll show you how to set a realistic price. Triggered by a plumbing\u2026","rel":"","context":"In &quot;AMT&quot;","block_context":{"text":"AMT","link":"https:\/\/blog.amt.org.au\/index.php\/category\/amt\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2017\/10\/Calculator.jpg?resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2017\/10\/Calculator.jpg?resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2017\/10\/Calculator.jpg?resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2017\/10\/Calculator.jpg?resize=700%2C400 2x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2017\/10\/Calculator.jpg?resize=1050%2C600 3x"},"classes":[]},{"id":1898,"url":"https:\/\/blog.amt.org.au\/index.php\/2019\/07\/24\/when-is-a-contractor-not-a-contractor\/","url_meta":{"origin":4070,"position":5},"title":"When is a Contractor Not a Contractor?","author":"admin","date":"24\/07\/2019","format":false,"excerpt":"I think (I'm a contractor), therefore I am (a contractor) ... 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