Tax rates and guides
The current Australia tax rates, and plain-English explanations of what comes out of your pay.
29 guides, checked against official sources
- Income tax The 2026–27 tax cut: the new 15% rate explained How the cut from 16% to 15% on 1 July 2026 changes your tax, how much you save at your income, and the next cut to 14% from 1 July 2027. Read the guide
- Income tax The tax-free threshold explained (2026–27) What Australia's $18,200 tax-free threshold is, how to claim it on your TFN declaration, what to do with two jobs, and who can't claim it, in plain English. Read the guide
- Buying a home First home buyer guide: deposit, schemes and costs Buying your first home in Australia: the 5% Deposit Scheme, Help to Buy, the First Home Super Saver scheme, grants, stamp duty and the costs to plan for. Read the guide
- Loans & credit HECS-HELP repayments explained (2026–27) How HECS-HELP repayments work in 2026–27, the new repayment thresholds, how much you'll repay on your income, indexation and the 20% debt cut, in plain English. Read the guide
- Retirement & saving Salary sacrificing into super explained How salary sacrificing into super saves tax in 2026–27, the $32,500 concessional cap, catch-up contributions, and when it's worth it at your income. Read the guide
- Retirement & saving How much super do I need to retire? How much super you need to retire in Australia, why starting early matters most, a simple target, how the Age Pension fits in, and when to add extra. Read the guide
- Pay & benefits The Medicare levy explained What the 2% Medicare levy is, who pays less or nothing, and when you also pay the Medicare levy surcharge for not having private hospital cover. Read the guide
- Buying a home First home buyer stamp duty concessions by state How much stamp duty first home buyers pay in each state and territory, the price limits for established and new homes, who qualifies and how to claim. Read the guide
- Loans & credit How to build a credit history from scratch in Australia New to credit? What builds a credit history in Australia under comprehensive credit reporting, how long things stay on your report and what to avoid. Read the guide
- Loans & credit Australian credit scores: what counts and how to raise yours How credit scores work in Australia, the two credit bureaus, what comprehensive credit reporting means, how to check your score free and how to improve it. Read the guide
- Money myths Myth: checking your credit score lowers it (Australia) Checking your own credit score never affects it in Australia. What does, how long applications stay on your report, and how to compare loans safely. Read the guide
- Money basics Banking basics in Australia: everyday accounts and savings How everyday and savings accounts work in Australia, what to look for, how the government guarantee protects your deposits and how to avoid fees. Read the guide
- Pay & benefits Government payments and tax offsets you might be missing The main Australian payments and offsets for working people and families, including Family Tax Benefit and the Child Care Subsidy, and how to check yours. Read the guide
- Loans & credit Buy now, pay later in Australia: costs, credit and the rules How buy now, pay later works in Australia, what a missed payment costs, how it shows on your credit report, and the credit rules since June 2025. Read the guide
- Investing Capital gains tax in Australia: the discount and 2027 change How capital gains tax works in Australia: the 50% discount, the main residence exemption, losses, and the change to the discount announced for July 2027. Read the guide
- Pay & benefits Centrelink Christmas payment dates 2026–27 When Centrelink payments arrive over Christmas and New Year 2026–27, when to report early, and how to plan for the longer gap in January. Read the guide
- Loans & credit Help with debt in Australia: free advice and formal options Where to get free, confidential help with debt in Australia, how to ask lenders for hardship help, and the formal debt solutions and their limits. Read the guide
- Money basics Emergency fund in Australia: how much and where to keep it Why an emergency fund comes first, how to work out yours, where to keep it in Australia (a savings or offset account) and how to build it. Read the guide
- Money basics How to make a budget in Australia (the 50/30/20 rule) A simple way to budget in Australia: start from your take-home pay, use the 50/30/20 rule, plan for yearly bills like rego, and automate it. Read the guide
- Loans & credit How to pay off debt in Australia: avalanche or snowball? How to pay off several debts in Australia: the avalanche and snowball methods, which saves more, and how to pay less interest, with a worked example. Read the guide
- Money basics How to spot and report money scams in Australia The warning signs almost every scam shares, the most common scams in Australia, how to protect your accounts, and where to report scams and get help. Read the guide
- Investing Index funds vs picking stocks in Australia: why go passive What an index fund or ETF is, why most Australian fund managers fail to beat the ASX 200, what fees cost you in and outside super, and how to start. Read the guide
- Money basics Inflation and interest rates in Australia, explained What inflation is, why the RBA raises and cuts the cash rate, and what it means for your savings, debts and home loan repayments. With an interactive example. Read the guide
- Money basics Insurance basics in Australia: what you need, what to skip Which insurance matters most in Australia: income protection, life cover in super, private health and the Medicare levy surcharge, and what you can skip. Read the guide
- Investing Investing basics: super, ETFs and getting started What investing is, how shares, bonds and index ETFs work, how your super already invests for you, and how to start investing outside super in Australia. Read the guide
- Money myths Myth: a pay rise into a higher tax bracket cuts your pay A higher tax bracket only taxes the extra income at the higher rate. Why a pay rise doesn’t cut your take-home pay, and the one Australian trap where it can. Read the guide
- Money myths Myth: renting is dead money (Australia) Owners pay a lot they never get back too: interest, stamp duty, council rates, strata and repairs. How to compare renting and buying fairly in Australia. Read the guide
- Income tax Side hustle tax in Australia: ABN, GST and gig work How side hustle income is taxed in Australia: hobby or business, when you need an ABN, the $75,000 GST threshold, ride-sourcing and what to set aside. Read the guide
- Investing Where to invest: super or outside super? Investing in or outside super in Australia: how extra contributions are taxed, the 2026–27 caps, ETFs and shares, your home loan, and which to do first. Read the guide
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