Understand your pay

Lessons

1. 1 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. 3 min read Mark as done : The tax-free threshold explained (2026–27)
2. 2 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. 2 min read Mark as done : The Medicare levy explained
3. 3 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. 2 min read Mark as done : The 2026–27 tax cut: the new 15% rate explained
4. 4 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. 3 min read Mark as done : HECS-HELP repayments explained (2026–27)
5. 5 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. 3 min read Mark as done : Government payments and tax offsets you might be missing