Property
School Zone Premium vs Private School Fees: 2026 Numbers
Sydney's biggest school-zone premium is $1.3m. Is it cheaper than private school fees for two children over 13 years? Duty, interest and growth priced.
Read article →Australian tax, super, pay and home loan guides, kept up to date for 2025–26 returns and 2026–27 rules. No jargon. Just what you need to pay less.
Sydney's biggest school-zone premium is $1.3m. Is it cheaper than private school fees for two children over 13 years? Duty, interest and growth priced.
Read article →The 50% CGT discount survives on gains to 30 June 2027 — an apportionment, not a cliff. One $800k rental modelled at three sale dates with real numbers.
Read article →The EV FBT exemption would be cut back from 1 April 2027 under a proposal that isn't law yet. What it would mean for novated leases, and what's protected.
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 →Take-home pay on $80k, $100k, $115k, $120k, $135k and $150k for 2026–27, plus the 2025–26 figures for your tax return. Monthly and fortnightly amounts.
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 rates rose 4.75% and the minimum wage 6% from 1 July 2026. The new rates, who gets them automatically, and how they compare with inflation.
Read article →Top 10 NSW postcodes by gross rental yield for units and houses, ranked from Valuer-General sales and Fair Trading bond data — October 2026 figures.
Read article →Since 1 July 2026, super must reach your fund within 7 business days of payday. What changed, a 4-step check, and what to do if it's missing.
Read article →The concessional super cap rose to $32,500 on 1 July 2026. Your room to salary sacrifice, tax saved per dollar, and unused cap expiring 30 June 2027.
Read article →How to lodge a 2025–26 return in myTax. The deadline is 31 October 2026 (Monday 2 November counts). Missed it? What to do next, and the tax agent route.
Read article →$0 stamp duty on new builds, a $30,000 grant with no end date, and borrowing at September 2026's 4.60% cash rate: the Brisbane first home maths.
Read article →A $95k charity job with salary packaging can leave about $2,500 a year more take-home than a $100k offer. How to compare salary, super, bonus and leave.
Read article →A $100k salary from January 2021 needed $126,725 by August 2026 to buy the same things. Tax cuts give back $2,447 a year in 2026–27. Year-by-year CPI.
Read article →Under the 2026–27 MLS tiers, hospital cover beats the surcharge from about $124,500 single income. Worked examples for two singles and a family.
Read article →Stage 3 started 1 July 2024. At $100k you saved $4,358 over 2024–25 and 2025–26, and $6,805 by 30 June 2027 with the 15% rate. Savings by income.
Read article →Two identical contracts signed hours apart on 12 May 2026 get different tax rules from 1 July 2027. The 7:30pm AEST cut-off, now law, with worked numbers.
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 →What nurses can claim for 2025–26: AHPRA, scrubs, laundry at $1 a load, CPD. ATO data: registered nurses who claimed averaged $2,601 in work expenses.
Read article →Salary sacrifice super in 2026–27: the $32,500 cap, 12% employer super, cents saved per dollar, and why it won't change your Medicare levy surcharge tier.
Read article →Teacher tax deductions Australia 2025–26: state registration fees, classroom supplies, CPD, and the misunderstood $250 rule. Free calculator.
Read article →Tradie tax deductions Australia 2025–26: ute running costs, $20K asset write-off, tools under $300, and what the ATO audits. Free calculator pre-loaded for tradies.
Read article →The RBA raised the cash rate to 4.60% on 29 September 2026, the fourth rise this year. On a $600K loan that is about $364 a month more than the 2025 low.
Read article →From 1 July 2027 the 50% CGT discount is replaced by inflation indexing and a 30% minimum tax. Gains to 30 June 2027 keep the discount. How it works.
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 →Four RBA rises in 2026 added about $364 a month on a $600K loan. 5 ways to cut repayments: offset, fortnightly payments and rate negotiation.
Read article →Eight moves before 30 June 2027: the 2021–22 super cap that expires, the $32,500 cap, prepaying, the $20,000 write-off and the CGT change.
Read article →The 5% Deposit Scheme, FHSS, Help to Buy and state grants: what combines, what doesn't, and a Brisbane couple's $75,000 worked example.
Read article →Indexation added 2.8% to HECS balances on 1 June 2026. See it in dollars for your balance, the $69,528 threshold for 2026–27, and your payoff year.
Read article →Cash rate 4.60% since 30 September 2026 and inflation 4.0% in the year to August. 7 practical money moves for Australian households.
Read article →RBA at 4.60% after four rises in 2026. When refinancing pays, how break costs are worked out, and what the cashback offers require.
Read article →About 1 in 3 mortgage holders were at risk of mortgage stress in the three months to August 2026. How to ask your lender for hardship help.
Read article →In a falling market, negative gearing lowers the tax on your other income while you hold. What it does, what it doesn't, and the rules from 1 July 2027.
Read article →Values fell in seven of eight capitals in September 2026, yet Perth and Darwin are still up more than 10% on the year. How to buy in a split market.
Read article →Seven deductions Australians often miss, from tax agent fees to income protection, what each is worth at a 32% tax rate, and claims the ATO rejects.
Read article →James saved about $2,200 in 2023–24 by salary sacrificing into super. What the same move saves at 2026–27 rates, with savings at every income level.
Read article →Claim 70c for each hour you worked from home in 2025–26, or actual costs. What each method covers, the records the ATO wants, and which pays more.
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