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Obligation Protection

Know what's committed before you spend it.

Obligation Protection estimates GST, PAYG and super positions as transactions reconcile in Xero, helping you plan for what your business may owe.

Estimated obligations updating

just now
Xero reconciliation detected
GST, PAYG & super estimates refreshed
Obligation position updated

GST

$21,578

PAYG

$18,480

Super

$12,996

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WorkUp is a financial technology company, not a bank. Estimates are based on reconciled Xero data and do not replace your accountant or bookkeeper as the source of truth for lodgement.

Why it matters

Spending decisions happen every day - obligation visibility shouldn't wait.

GST, PAYG and super can build quietly while your account balance keeps looking healthy. Obligation Protection helps you see what's already committed before that money gets spent.

The problem

Your account balance doesn't show your estimated obligations.

  • 1

    Obligations build

    GST, PAYG and super accumulate as your business operates.

  • 2

    Your balance still looks available

    Money already committed can remain mixed with everyday cash.

  • 3

    Cashflow gets squeezed

    BAS and super become painful when the money has already been spent.

AutomationObligations update

as Xero reconciles, showing what's committed and what remains.

The difference

Same Xero data. Better visibility.

Without
WorkUp
With
WorkUp
Visibility only at BAS time.
Estimates refresh as Xero reconciles.
Spreadsheets, guesses, manual tracking.
Estimated GST, PAYG and super positions.
Cashflow decisions made blind.
Make spending decisions with clearer visibility.

How it works

Built around Xero reconciliation.

No spreadsheets. No manual tracking. No quarter-end surprises.

STEP 01

Reconcile in Xero

Carry on with your normal Xero workflow.

STEP 02

Estimates update

WorkUp estimates GST, PAYG and super positions as transactions reconcile.

STEP 03

Plan for obligations

See estimated positions and use Automation Rules to allocate money accordingly.

Capabilities

What Obligation Protection powers.

Tax & super visibility

See estimated GST, PAYG and super positions update as Xero reconciles.

After Obligations

See what remains after estimated obligations.

Automatic allocation

Automatically allocate money to dedicated Tax and Super accounts based on your rules.

Cashflow visibility

See operating cash, committed money and obligations together.

Obligations, automated

Estimate. Allocate. Protect.

Connect Xero and start protecting your obligations as transactions reconcile.

Get Started Book a Demo

Cards and payments powered by Airwallex.