Free reporting deadline calculator
When is your SMR or TTR due?
A suspicious matter report is due within 3 business days after the day you form the suspicion, or within 24 hours if it relates to terrorism financing. A threshold transaction report is due within 10 business days after the day of a cash transaction of $10,000 or more. Enter the date and your state to see the day.
Public holidays are taken from the government lists for all 8 states and territories, 2026 and 2027. No signup.
Work out the due date
Enter a date to see when the report is due.
Weekends and the public holidays every state shares are skipped. Choose your state to skip its own holidays too.
Worked out in your browser. Nothing you enter is sent to us, and no AI is used.
How each deadline is counted
The wording is AUSTRAC's. Sources checked .
Suspicious matter report (SMR)
Within 3 business days after the day you formed the suspicion.
The day you form the suspicion is not counted. Counting starts on the next business day.
SMR about terrorism financing
Within 24 hours of forming the suspicion.
This is a clock, not business days. A weekend or public holiday does not extend it.
Threshold transaction report (TTR)
Within 10 business days after the day the transaction takes place.
A TTR is for a transfer of $10,000 or more in physical currency, such as bank notes or coins.
What counts as a business day
The AML/CTF Act defines a business day as “a day other than a Saturday, a Sunday or a public or bank holiday in the place concerned”. Public holidays are set by each state and territory, so the same report can be due on different days in Sydney and Melbourne.
The calculator skips a holiday only when it applies for the whole day across the whole state or territory. Part-day holidays, local holidays and bank-only holidays are named when they fall inside the count, not skipped. Its date can therefore be earlier than your real deadline, never later.
Holiday dates cover 2026 and 2027 and are checked against the government lists. For other years only weekends are skipped, and the calculator says so.
AML/CTF Act 2006, section 5 (opens in a new tab)Fair Work Ombudsman: public holidays (opens in a new tab)
Common questions
When does the 3 business days for an SMR start?
On the business day after you form the suspicion. AUSTRAC states the time as 3 business days after the day you formed the suspicion, so that day is not counted. If you form it on a Friday with no public holiday in the way, the report is due on the following Wednesday.
Does a weekend or public holiday extend the 24 hours for terrorism financing?
No. AUSTRAC gives that deadline as 24 hours of forming the suspicion, not as business days. The calculator shows the same time on the following day, whatever day of the week that is.
Which public holidays does the calculator skip?
A holiday that applies for the whole day across the whole state or territory you choose. Part-day holidays such as Christmas Eve evenings, local holidays such as the Melbourne Cup and Brisbane show day, and bank-only holidays are not skipped. The calculator names them when they fall inside the count, because they may or may not apply to you. That way its date is never later than the real deadline.
When is a TTR due if the cash was paid on a Friday?
Ten business days after that Friday. With no public holiday in between, that is the Friday two weeks later. The day of the transaction is not counted.
Does legal professional privilege change the SMR deadline?
It can. AUSTRAC says that when you claim an SMR includes information protected by legal professional privilege, you have up to 5 business days after the day you form the suspicion to submit it. That longer time does not apply to a suspicion about terrorism financing. This calculator does not work out the privilege case.
Keep every report and its deadline in one place.
AML Mate records each SMR and TTR with its due date and shows which ones are overdue. You prepare the report in AML Mate and lodge it yourself through AUSTRAC Online.
General information, not legal advice. Check a deadline that matters against the sources above.