Tranche 2 cost calculator
What does AML/CTF actually cost you?
From 1 July 2026, every real estate agency, conveyancer, lawyer and accountant in Australia inherits ten new compliance obligations. Below is a realistic estimate of what they cost — with and without software.
Roughly: a residential real estate agency processes 50 to 150 transactions a year, a conveyancer 200 to 500, an accountant 100 to 400.
Most professional practices file 0 to 4 per year.
Cash transactions over A$10,000. Most agencies will see 0 to 3 per year.
| Activity | Hours/yr | Saved by Caltury |
|---|---|---|
Initial AML/CTF Program + Risk Assessment (annualised) | 20h | −70% |
Customer due diligence (80 customers × 1.5h) | 120h | −60% |
Ongoing CDD (80 × 0.5h/yr) | 40h | −70% |
Sanctions screening (80 × 0.25h) | 20h | −90% |
SMR drafting (2 × 4h) | 8h | −50% |
TTR drafting (1 × 1.5h) | 1.5h | −60% |
Staff training (3 staff × 2h/yr) | 6h | −70% |
Annual program review | 16h | −60% |
Audit prep / record marshalling | 12h | −80% |
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Caltury runs every obligation as a workflow, not a folder.
Methodology
Time estimates are based on AUSTRAC's published guidance for documentation effort, plus interviews with three early Tranche 1 reporting entities (banks and remitters) on the operational cost of steady-state compliance. Hourly rates use the median of ATO professional-services rates published in 2025. Numbers shown are conservative; your mileage will vary.