Guides
Australian tax, super and property — explained
Long-form, plain-English guides to the rules behind the calculators. Each article cites the ATO, Treasury or Fair Work as the official source, walks through worked examples for typical Australian situations, and links to the calculator that does the maths.
- Tax & duty07/05/202615 min read
Salary Sacrifice into Super: When It Pays Off (FY2025-26)
When does salary sacrifice into super beat keeping the cash? The marginal-rate maths, the SG-on-sacrifice protection rule, and three worked examples for FY2025-26.
- Tax & duty07/05/202614 min read
Capital Gains 50% Discount: Holding Period Rules That Bite
The 50% CGT discount looks simple — own the asset for 12 months, halve the gain. The contract-date trap, the foreign resident exclusion, and three worked examples that show where the rule actually bites.
- Property07/05/202615 min read
LMI vs 20% Deposit on a First Home: When the Maths Tips
When does paying Lender's Mortgage Insurance beat saving for the full 20% deposit? The First Home Guarantee scheme, the LMI premium curve, and three worked examples.
- Tax & duty07/05/202614 min read
Division 293 Tax for High Earners: How the Extra 15% Works
Division 293 hits high-income earners with an extra 15% on concessional super contributions once their combined income passes A$250,000. The income test, the threshold mechanics, and three worked examples for FY2025-26.
- Tax & duty07/05/202614 min read
Medicare Levy Surcharge: When Private Cover Saves You Money
When does private hospital cover actually save you money against the Medicare Levy Surcharge? The income thresholds, family adjustments and three break-even worked examples for FY2025-26.
- Tax & duty07/05/202614 min read
Instant Asset Write-Off: $20k Closes 30 June 2026 — Why Timing Matters
The $20,000 Instant Asset Write-Off is legislated to revert to $1,000 from 1 July 2026. For small businesses planning equipment purchases, the next financial year is the buying window — here is the maths.
- Property07/05/202615 min read
Negative Gearing on Investment Property: The Maths (FY2025-26)
Negative gearing is widely loved and widely misunderstood. Here is the FY2025-26 maths — what it actually saves you, where depreciation fits in, and the three traps that catch investors at lodgement.
- Mortgage & finance07/05/202614 min read
Super Contribution Caps: Concessional vs Non-Concessional, and Carry-Forward (FY2025-26)
Concessional and non-concessional caps are not the same thing — and the carry-forward and bring-forward rules let some savers go well beyond the headline number. Here is the FY2025-26 walkthrough with three worked examples.
- Tax & duty07/05/202613 min read
Stage 3 Tax Cuts: Who Actually Wins (FY2025-26)
A plain-English breakdown of the redesigned Stage 3 personal income tax cuts, who gets the biggest dollar gain, and the second-order effects on HECS-HELP, Medicare Levy Surcharge and Division 293.
- Tax & duty07/05/202614 min read
HECS-HELP Repayment Thresholds Explained (FY2025-26)
How the FY2025-26 HECS-HELP repayment ladder actually works, why "Repayment Income" is broader than your salary, and the planned move to a marginal system from 1 July 2025.