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Stage 3 Tax Cuts Explained: What You Actually Save
The Stage 3 tax cuts started on 1 July 2024, and two more cuts are coming. Here is exactly what changed, what you save and what happens next.
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Practical guides and updates to help you with tax, super and money in Australia.
The Stage 3 tax cuts started on 1 July 2024, and two more cuts are coming. Here is exactly what changed, what you save and what happens next.
Read articleYour bonus is not taxed at a special higher rate. Here is why so much tax comes out, how bonus tax actually works and how much of your bonus you really keep.
Read articleWorked from home this year? Here is how the 70c-per-hour fixed rate method compares with the actual cost method, and how to claim the most you can.
Read articleIf you use your car for work, the method you choose decides your refund. Here is how the 88c-per-km method stacks up against the logbook method.
Read articleThe 2025-26 financial year is over. Here is when to lodge your 2026 tax return, what has changed and the deductions most people miss.
Read articleWorking a second job in Australia? There's no special "second job tax rate" — your income from every job gets combined and taxed at your marginal rate. The thing most people miss is that how you fill
Read articleAustralia's 2026-27 income tax brackets start at 0% on earnings up to $18,200 and rise to 45% for income above $190,000. But here's what most people miss — your take-home pay depends on more than just
Read articleYour gross salary and your take-home pay are two very different numbers. Here's why: the ATO takes income tax, the Medicare Levy, and possibly a student loan repayment before a single dollar hits your
Read articleStamp duty is one of those costs that catches people off guard. It's not small. Depending on where you buy and how much you pay, it can run anywhere from zero dollars — if you're an eligible first hom
Read articleSalary sacrifice super is an agreement with your employer to redirect part of your pre-tax salary straight into your super fund — instead of receiving it as take-home pay. The ATO treats these as conc
Read articlePlanning a move to Australia is exciting — and a little overwhelming when the bills start stacking up. Between visa fees, flights, shipping, bond money, and that first month of rent before your paysli
Read articleIf you've been lying awake running numbers in your head, you're not alone. Millions of Australian homeowners are doing the same thing — watching the RBA, dreading the mail, and quietly wondering how m
Read articleIf your income sits above $93,000 as a single person — and you don't have an eligible private hospital cover policy — you're paying the Medicare Levy Surcharge on top of the standard 2% Medicare Levy.
Read articleYour super balance probably isn't something you think about every day — until you do, and then it's hard to stop worrying about it. The honest answer is: it depends on your lifestyle goals, whether yo
Read articleFor the 2025-26 financial year, the minimum HECS repayment income threshold is $67,000. Cross that line and you start paying — stay under it and you owe nothing. From 1 July 2025, a new marginal brack
Read articleAustralia's First Home Owner Grant (FHOG) puts real cash — up to $50,000 depending on where you buy — directly toward your first home. It's a state and territory program, which means the rules, amount
Read articleSold an investment property? The ATO wants its share — and that share is called Capital Gains Tax (CGT). It works like this: you take what you sold the asset for, subtract what it cost you, apply any
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