Tax Strategy
EV FBT Exemption Ending 2027: What It Means | Velofy
The EV FBT exemption is being phased out from April 2027. Here is what it means for salary sacrifice take-home pay — and what to do before the change.
Read article →Updated Australian tax saving strategies, EOFY guides, and loan tips — backed by ATO 2025–26 rules. No jargon. Just what you need to pay less.
The EV FBT exemption is being phased out from April 2027. Here is what it means for salary sacrifice take-home pay — and what to do before the change.
Read article →The old rule — never spend more than the car is worth — compares your quote against nothing. Count depreciation, stamp duty and interest before you decide.
Read article →Agent fees by state, conveyancing, discharge and marketing — plus the cost every fee calculator skips: years of loan interest. 2026 guide, worked numbers.
Read article →Everything a property investor can claim on the 2025-26 return — interest, depreciation, repairs — and the negative gearing law change coming 1 July 2027.
Read article →Exact take-home pay on $80k, $100k, $115k, $120k, $135k and $150k for 2025-26 — income tax, Medicare levy and monthly / fortnightly figures at each salary.
Read article →Income above $250,000? Division 293 adds 15% extra tax on concessional super contributions. How the ATO bills you, and why salary sacrifice still pays.
Read article →The two big retirement benchmarks are $308,000 apart. What ASFA and Super Consumers each assume, average balances by age — and how to find your own number.
Read article →Award minimums and the minimum wage rose on 1 July 2026 — but CPI ran 4.6%. The new rates, who gets them automatically, and whether yours beats inflation.
Read article →Top 10 NSW postcodes by gross rental yield for units and houses, ranked from real Valuer-General sales and Fair Trading bond data — July 2026.
Read article →Payday super is now law: super must reach your fund within 7 business days of payday. Run this 4-step check — and here's what to do if it's missing.
Read article →From 1 July 2026 the concessional super cap rises to $32,500. Your headroom by salary, the tax saving per dollar, and the catch-up room expiring 30 June 2027.
Read article →myTax opens 1 July 2026 — but wait until late July for pre-fill. Deadlines, step-by-step, and the one thing myTax won't do for you.
Read article →$0 stamp duty on new builds, a $30k FHB grant expiring 30 June 2026, and RBA at 4.35% — the real maths for first home buyers in Brisbane in 2026.
Read article →Inflation at 4.8%, RBA at 4.35%, fuel excise relief ending 30 June — and 5 EOFY mistakes quietly costing Australians thousands in June 2026.
Read article →A $95k hospital role with packaging beats a $100k private-sector offer by $6,200/yr. Base salary misses 38% of an offer's value — compare all 6 variables.
Read article →Since January 2021, a $100k salary needs to be $126k to buy the same things. The 2024 tax cut restored just 8% — here's the year-by-year CPI breakdown.
Read article →Under the 2026–27 tiers the hospital-cover-vs-MLS break-even moved to ~$124k single income. Premiums rose 3.7% in April; thresholds reset 1 July. Three personas inside.
Read article →Every Australian got a Stage 3 tax cut on 1 July 2024. At $100k income you've saved $4,358 over two years — here's the breakdown.
Read article →Two identical property contracts hours apart on 12 May 2026 = different tax rules for 30 years. The 7:30pm AEST cut-off explained, with worked numbers.
Read article →The 2020–21 unused concessional cap expires permanently on 30 June 2026. Balance under $500K? It's your last chance to claim up to $25K of tax-deductible super.
Read article →Sydney down 5 months, Perth up 24% yearly. Borrowing power fell $54K since January. Here's how to decide whether to buy or wait in May 2026.
Read article →MLS thresholds: $101k single / $202k family for 2025–26 returns; $105k / $210k from 1 July 2026. Find your tier (1%–1.5%) and if hospital cover costs less.
Read article →Nurse and midwife tax deductions Australia 2025–26: AHPRA fees, scrubs, CPD, laundry $150 threshold, and ATO rules. Free calculator for healthcare workers.
Read article →Salary sacrifice super Australia 2025-26: the $30K pre-tax cap, 12% employer super, new surcharge thresholds — and the RESC trap most people miss.
Read article →Teacher tax deductions Australia 2025: state registration fees, classroom supplies, CPD, and the misunderstood $250 rule. Free calculator.
Read article →Tradie tax deductions Australia 2025–26: ute logbook, $20K asset write-off, tools under $300, and what the ATO audits. Free calculator pre-loaded for tradies.
Read article →Payday Super is now law: super due within 7 business days of every payday. The employer compliance checklist, penalties and the ATO's first-year approach.
Read article →The RBA hiked to 4.35% on 5 May — the highest since 2011. For a $600K mortgage, that's $272/month more than the 2025 low. Here's how to reduce the damage.
Read article →Australia's 50% CGT discount is abolished from 1 July 2027 — replaced by CPI indexation and a 30% minimum tax. What every investor must do now.
Read article →Division 296 is confirmed law from 1 July 2026: how the 15% additional super tax works, who pays it, and the critical cost-base reset deadline.
Read article →RBA rate rises added $450/month on a $600K loan. 5 proven strategies — offset accounts, fortnightly payments, rate negotiation — to cut repayments.
Read article →9 ATO-approved moves before 30 June 2026 — including the carry-forward super cap expiring permanently this year. Act before 1 July.
Read article →Stack the First Home Guarantee, FHSS, Help to Buy, and state grants for up to $75,000 in benefits. QLD's $30,000 grant expires 30 June 2026.
Read article →HECS indexation for 2026 is 2.8%. What it adds to your balance, the new $69,528 threshold for 2026–27, and the 2025–26 bands for the return you lodge now.
Read article →RBA at 4.35%, inflation at 3.7%, household budgets under pressure. 7 practical money moves every Australian should make now to protect their wealth.
Read article →RBA at 4.35%; challenger banks from 5.08%. When to refinance, how to calculate break costs, and which cashback offers are live right now.
Read article →Nearly 1 in 4 Australian mortgage holders are under stress in 2026. 7 proven moves — from refinancing to offset accounts — to protect your home.
Read article →Property falling? Negative gearing lets you claim rental losses against income. How smart investors use a downturn to legally cut their tax bill.
Read article →Australia has 8 different property markets. Brisbane and Perth are rising 8%. Parts of Sydney are flat. Here's how to buy smart in 2026.
Read article →The ATO confirmed Australians are leaving $870+ on the table at tax time. Here are the 7 most overlooked deductions — with real stories and what NOT to claim.
Read article →Salary sacrificing into super is the most underused legal tax strategy in Australia. Here's how it works, with real dollar savings for every income level.
Read article →Most Australians working from home are leaving $870–$1,322 on the table at tax time. Here's exactly how to claim every dollar the ATO allows — legally.
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