Cnopy
Beta“Contractor financial clarity”
Cnopy brings rigour to contractor financial planning—replacing guesswork with ATO-accurate calculations across superannuation, company tax, dividends, and PSI rules.
Key Features
PAYG vs PTY LTD Calculator
Compare employment structures with ATO-accurate tax calculations. See the real numbers, not estimates.
Super Optimisation
Understand superannuation strategies, concessional caps, and how to maximise your retirement savings as a contractor.
Tax Planning Tools
Model different scenarios, understand tax brackets, and plan your financial year with confidence.
Rate Comparisons
Convert between hourly, daily, and annual rates. Understand what your contract is really worth after tax.
Expense Tracking
Track deductible expenses and understand what you can claim as a contractor or through your company.
Salary Packaging
Model salary sacrifice, novated leases, and other packaging arrangements to optimise your take-home pay.
The Problem We Solve
Every contractor in Australia faces the same question: “Should I stay PAYG or set up a company?”
The answer depends on your rate, your expenses, your super strategy, and dozens of other factors. Most contractors rely on accountants who give generic advice, or spreadsheets that don't account for Australian tax complexity.
Cnopy was built by a contractor who spent years figuring this out the hard way. Now we're making that knowledge accessible to every contractor in Australia.
Target Market
Australian contractors
Technology Stack
Next.js, Bun/Elysia