Guides
Worked Australian examples that show how the numbers behave. General information only, not personal financial advice.
Super co-contribution 2026–27: how much the government adds at your income
How the super co-contribution is worked out in 2026–27, what a $1,000 contribution gets at incomes from $40,000 to $64,293, how salary sacrifice counts in the income test, and who can get it.
29 October 2026 · 5 min read
How much super do you need to retire in Australia? ASFA budgets and the Age Pension
What retirees spend according to the ASFA Retirement Standard, the balance each budget needs, what the super guarantee builds over a working life, and how the Age Pension asset test fits in.
28 October 2026 · 6 min read
Negative gearing explained with numbers: 2026–27 and the July 2027 changes
How a rental loss lowers tax, what it saves at four salaries with worked 2026–27 figures, and what the new law changes for residential property from 1 July 2027.
28 October 2026 · 6 min read
Rentvesting explained: renting where you live and owning an investment property
What rentvesting is, a worked 2026–27 cost comparison with buying the home you live in, how stamp duty concessions and tax differ, and what the July 2027 negative gearing change means.
28 October 2026 · 6 min read
The $540 spouse super contribution tax offset: how it works in 2026–27
How the spouse contribution tax offset is worked out, why it shrinks between $37,000 and $40,000 of spouse income, how salary sacrifice counts in the income test, and who can claim it in 2026–27.
25 October 2026 · 5 min read
Stamp duty by state in 2026–27: what a $500k, $750k and $1m home costs
Stamp duty compared across all eight states and territories for 2026–27, for owner-occupiers, investors and first home buyers, with the concession caps and the cliffs above them.
22 October 2026 · 5 min read
Medicare levy surcharge 2026–27: thresholds, what it costs and who it catches
The 2026–27 Medicare levy surcharge starts above $105,000 for singles and $210,000 for families. What each tier costs, why salary sacrifice can push you over, and how the surcharge is avoided.
28 October 2026 · 5 min read
Carry-forward super contributions 2026–27: using five years of unused cap
How unused concessional cap from the last five years builds up, the $500,000 balance test, and what a $30,000 catch-up contribution does to tax in 2026–27.
28 October 2026 · 5 min read
Capital gains tax in Australia: how the 50% discount works in 2026–27
There is no separate capital gains tax rate. How a gain is taxed at your marginal rate, what the 50% discount saves after 12 months, and the catches, with 2026–27 examples.
28 October 2026 · 5 min read
Payday super from 1 July 2026: what changed for employees
Employers now pay the 12% super guarantee within 7 business days of each payday. What changed, what it is worth, and how to check your super is arriving.
22 October 2026 · 4 min read
Division 293 tax explained: the extra 15% on super above $250,000
How Division 293 adds 15% to super contributions when income plus contributions is over $250,000, how the amount is worked out, why negative gearing does not reduce it, and how it is paid.
28 October 2026 · 4 min read
Working from home 2 days a week: what the 70c deduction is worth in 2025–26
The ATO fixed rate is 70c per hour for 2025–26. What that comes to for 1 to 5 days a week, the tax it actually saves at different incomes, and the record you need.
28 October 2026 · 5 min read
Will a pay rise push you into a higher tax bracket? What you keep in 2026–27
Why crossing a tax threshold never leaves you worse off, what you keep from each extra $1,000 in 2026–27, and the Medicare levy surcharge cliff at $105,000.
28 October 2026 · 5 min read
Pay off the mortgage or invest? The 30-year difference
A worked Australian example comparing extra home loan repayments with investing over 30 years, including tax, and how the answer changes with rates and returns.
14 October 2026 · 6 min read
Salary sacrifice into super: how the tax gap works in 2026–27
How salary sacrificing into super works in Australia, the tax saving at each income level, the $32,500 cap from 1 July 2026, and the catches.
14 October 2026 · 5 min read
Offset account vs redraw: same saving, different consequences
How home loan offset accounts and redraw facilities compare in Australia, why the interest saving is tax free, and why the choice matters if your home becomes a rental.
14 October 2026 · 5 min read
How much HECS will you repay in 2026–27? The new thresholds in dollars
HECS-HELP compulsory repayments for 2026–27 under the marginal system, worked out at each income level, plus why salary sacrifice and rental losses don’t lower them.
28 October 2026 · 5 min read