Money guides for Australians
Plain-English explainers on the decisions that move your money: tax, property, home loans and study debt. Current 2026-27 figures, and a calculator for each.
Nurses, construction workers, teachers, IT and more. What each can claim in 2026-27, grounded in the ATO rules, including the deductions people miss.
Australian income tax in 2026-27, explained
The brackets, the Medicare levy, LITO and the new 15% second bracket — how your pay actually gets taxed, with the numbers that apply from 1 July 2026.
First home buyer schemes & stamp duty in 2026
Stamp duty concessions, the First Home Owner Grant, the 5% deposit guarantee and the First Home Super Saver — what's on offer and how they stack up.
Offset vs redraw: which saves more?
They save the same interest — but the difference in access, tax and flexibility matters more than most people realise. A plain-English comparison.
Rent vs buy in Australia: how to decide
Buying isn't always smarter than renting. The honest way to compare them — the costs people forget, and the one number that flips the answer.
How HECS-HELP repayments and indexation work in 2026
The new marginal repayment system, how indexation is now calculated, and whether paying your HELP debt off early is worth it.
Capital gains tax on shares & property, explained (2026-27)
How CGT actually works in Australia — it's added to your income, not a separate rate — plus the 50% discount, the main-residence exemption, and how losses help.
Salary sacrifice into super: is it worth it? (2026-27)
Before-tax super contributions are taxed at 15% instead of your marginal rate. Here's how much that saves, the $32,500 cap to watch, and the catch to weigh up.
Work-from-home & work-related deductions in 2026
The ATO fixed-rate method (70c/hour), cents-per-km car claims, and the everyday work expenses people miss — with the records you need to actually claim them.
How much can I borrow? Serviceability & the APRA buffer
Lenders don't lend a flat multiple of your income — they run a serviceability test at your rate plus a 3% buffer. What really moves the number — and what doesn't.
Franking credits & dividend imputation, explained
Why Australian dividends come with a tax credit, how the gross-up works, and when franking credits get you a refund.
Tax on shares and crypto in Australia: what investors need to know
How capital gains, dividends, franking credits and crypto are taxed for an ordinary investor: the 50% CGT discount, why swapping one crypto for another is a taxable event, income versus capital, and the records the ATO matches.