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Why each calculator RAD or DAP Small Business CGT Division 296 Projector Retirement Village Exit Fee Calculator Pension Optimiser Land Tax Check Property Settlement Calculator Redundancy Payout Division 7A Calculator Family Provision TPD Claim Value Resident or Not Catch-Up Super Award Back Pay Contractor or Employee Super Death Benefits Tax Calculator

RAD or DAP The aged care accommodation decision, priced both ways

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Foundations Aged care costs explained How much does aged care cost Respite care costs Aged care cost calculator guide

Accommodation RAD vs DAP Refundable accommodation deposit Daily accommodation payment

Means testing Aged care means test Means tested care fee Hotelling contribution Non-clinical care contribution Age Pension and aged care Aged care fee caps

The home Selling the family home Renting out the former home

Home care Support at Home program Support at Home contributions Home care vs residential care

Getting help Aged care financial advice cost Aged care financial hardship

Small Business CGT The four concessions, priced in every lawful order

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The four concessions The four concessions The 15-year exemption The 50% active asset reduction The retirement exemption The small business rollover

Do you qualify? The basic conditions The $2 million turnover test The $6 million net asset value test The active asset test Affiliates and connected entities Selling shares or units Significant individuals and stakeholders

The order The order they apply in Losses and the 50% discount Choosing out of the 50% reduction

Where the money goes The CGT cap and superannuation Under 55, and superannuation The replacement asset period

Getting it right Where these claims go wrong The choices and the records

Division 296 Projector The $3m super tax, on your own figures

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Foundations Division 296 explained How Division 296 is calculated Your total super balance What counts as earnings The $10 million threshold

The transitional rules The 30 June 2027 measurement date The cost base reset election Transitional relief in an APRA fund How the thresholds index

Inside the fund How a fund splits earnings between members Why the retirement phase does not help What happens in a bad year Turnover, the lever nobody mentions Defined benefit interests

What you can do Should you take money out of super? Evening up two balances Should you stop contributing? Paying it

Edges What happens on death Who Division 296 never reaches Where it goes wrong

Child Support Calculator The eight step formula, all ten change of assessment reasons, and every night of care priced

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The formula How Child Support Is Calculated In Australia The Self-Support Amount The Costs Of The Children Table Adjusted Taxable Income For Child Support Combined Child Support Income Income Percentage And Cost Percentage

Care and nights What Each Night Of Care Is Worth Four Nights To Five A Fortnight Reporting A Change In Care: The 28 Day Rule 50/50 Care And Child Support

Change of assessment The 10 Reasons To Change A Child Support Assessment Reason 8: Income The Assessment Cannot See Private School Fees And Child Support A Child With Special Needs Travel Costs To See Your Children What A Change Of Assessment Needs

Income and second families Income Estimates And The 15% Rule Does A New Partner's Income Affect Child Support? Second Families And The Relevant Dependent Child Two Child Support Cases And The Multi-Case Cap

Rates and floors The Minimum Child Support Payment Child Support For Grandparents And Kinship Carers Who Does What: Services Australia, A Lawyer, Or The Tribunal

Retirement Village Exit Fee Calculator What the contract takes back on the way out

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Foundations How a deferred management fee works Who keeps the capital gain? The three clauses to find in your contract Is a retirement village a rip-off?

The law When do you actually get paid? What you keep paying after you move out

The alternatives Retirement village or land lease community? Is it cheaper to stay in the house?

What actually happens What happens when a resident dies Moving from a village into aged care

By state New South Wales: exit rules Queensland: exit rules Victoria: exit rules South Australia, WA, and the jurisdictions with no rules

The traps The short stay problem What reinstatement actually means

What you can do Questions to ask before you sign

Pension Optimiser The assets test, the income test, and what every dollar over the line costs you

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The two tests How much is the Age Pension The Age Pension assets test The Age Pension income test The $3 taper and the 7.8% hurdle Age Pension cut-off points Deeming rates explained

Who counts as what Homeowner and non-homeowner thresholds How a couple is assessed A partner under Age Pension age What Centrelink counts as an asset The family home

What can be done about it Gifting and deprivation Funeral bonds and prepaid funerals Spending on the home you own Drawing down savings Lifetime income streams Granny flat interests

Income, work and timing The Work Bonus Account based pensions When the figures move What advice costs Reporting changes

Land Tax Check Every state, every structure, one bill

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How land tax works Land tax aggregation When each state assesses Land value, not property value The eight thresholds compared Every land tax scale

Ownership and structures The NSW special trust rule Victoria’s trust surcharge Land tax in a family trust Unit trusts and fixed trusts A company, or your own name Land tax and an SMSF

Splitting and joint ownership Joint ownership The secondary deduction How many entities is too many

Exemptions The home exemption The primary production exemption Every land tax exemption

Surcharges Foreign owner surcharges Victoria’s absentee owner surcharge

Planning ahead What restructuring actually costs Where the next one should go Frozen thresholds

Property Settlement Calculator What your share of the property is actually worth, before anybody signs

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How the split works How Property Settlement Is Calculated in Australia The Four Step Process in a Property Settlement What Is Included in the Asset Pool in a Divorce Contributions in a Property Settlement Future Needs and the Section 75(2) Factors What "Just and Equitable" Means in Family Law

What moves the number Initial Contributions in a Property Settlement Is an Inheritance Included in a Divorce Settlement? Superannuation Splitting in a Divorce Who Gets the House in a Divorce Family Violence and Property Settlement Wastage and Add-Backs in Family Law

Married, de facto and deadlines De Facto Property Settlement in Australia Property Settlement Time Limits in Australia Separation Under One Roof in Australia Divorce vs Property Settlement: the Difference

Getting it done Consent Orders for a Property Settlement Binding Financial Agreements in Australia Property Settlement Mediation and Dispute Resolution How Much a Property Settlement Costs Priority Property Pool Cases (the PPP List)

Common questions Is a Property Settlement Always 50/50? Property Settlement When There Are Children

Redundancy Payout What you are owed, what is taxed, and what you keep

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What you are owed How Much Redundancy Pay You Get Is My Redundancy Genuine? Notice Periods On Redundancy Small Business Redundancy Pay Award And Agreement Redundancy Pay Why Redundancy Pay Drops At Ten Years

How it is taxed The Tax-Free Limit On A Redundancy The Two ETP Caps Explained How A Redundancy Payout Is Taxed Tax On Unused Annual Leave Long Service Leave Payout Tax Golden Handshake Tax Was Too Much Tax Taken? Paid Before Or After 30 June The Surcharge On A Redundancy Early Retirement Scheme Payments

Super and Centrelink Putting A Payout Into Super Catch-Up Super In A Redundancy Year Division 293 And A Redundancy Redundancy And Centrelink The Liquid Assets Waiting Period

Getting it right What Advice On A Redundancy Costs Redundancy Payout Checklist

Division 7A Calculator Company loans, minimum repayments and the deemed dividend, priced

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The basics What is Division 7A? Shareholder and director loan accounts The Division 7A deadlines How a Division 7A calculator works The nine most common mistakes

The repayment The minimum yearly repayment The benchmark interest rate The complying loan agreement 7 years or 25 years A missed minimum repayment

What it costs What a deemed dividend costs Distributable surplus Franked dividend or complying loan Salary, dividend or loan Penalties and interest

Trusts and Division 7A Unpaid present entitlements The Bendel decision Subdivision EA

Putting it right The Commissioner's discretion Repayments that do not count

Family Provision What a claim against the will could cost the estate

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Contesting a will Family provision claims in Australia Who can contest a will What a court weighs How much is a claim worth Time limits to contest a will

State by state Contesting a will in NSW Contesting a will in Victoria Contesting a will in Queensland Contesting a will in WA and SA Contesting a will in Tas, NT and ACT

What a claim can reach Notional estate in NSW Superannuation and will claims Jointly owned property and claims What counts as the estate

Costs and how it ends Who pays the legal costs What it costs to contest a will Mediation and settlement Deed of family arrangement

Protecting an estate Leaving a child out of a will A statement of reasons Estrangement and will claims Releasing the right to claim A life interest in a will

TPD Claim Value What a disability claim through super is actually worth

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What your claim is worth How much is my TPD claim worth? Tax on a TPD payout in Australia The future service uplift, explained Tax free and taxable components Claiming TPD after 60

Your super accounts Claiming TPD on more than one super account Consolidating super before a TPD claim Why TPD cover is cancelled on an inactive account Finding lost super before you claim Default TPD cover in super

The policy definition Any occupation vs own occupation TPD Activities of daily living TPD cover Terminal illness benefit or TPD TPD cover and income protection

Making the claim What your super fund needs for a TPD claim Too much tax withheld on a TPD payout TPD claim declined: what happens next How long a TPD claim takes Taking a TPD complaint to AFCA

The money afterwards TPD lump sum or disability income stream No win no fee TPD claims

Resident or Not The Australian tax residency question, answered and priced

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The four tests Australian Tax Residency Test The Resides Test Domicile And Permanent Place Of Abode The 183 Day Test Commonwealth Superannuation Test TR 2023 1 Explained

Leaving Australia Leaving Australia Tax Residency CGT Event I1 Departure Tax The Section 104 165 Choice Main Residence Exemption Foreign Residents Selling Australian Property As A Non Resident HELP Debt Living Overseas

Coming to Australia Becoming An Australian Tax Resident Temporary Resident Tax Rules Working Holiday Maker Tax Rates Part Year Tax Free Threshold

What it costs Foreign Resident Tax Rates Non Resident Withholding Tax Medicare Levy And Residency Dual Tax Residency And Treaties

Getting it right Proposed Statutory Residency Test Tax Residency Court Cases Tax Residency Evidence Checklist

Catch-Up Super Five years of unused super cap, priced in the year you actually need it

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The basics Carry-forward contributions The concessional cap Unused concessional cap The $500,000 balance test When unused cap expires Finding it in myGov

The year you sell Against a capital gain Selling a rental Selling a business Selling something inherited A bonus or redundancy year

The tax arithmetic What it actually saves Which bracket it comes off Division 293 tax The Medicare levy surcharge What advice costs

Rules and mistakes The notice of intent The work test at 67 to 74 Going over the cap Carry-forward or after-tax? Nine costly mistakes

Award Back Pay What the award said you should have been paid

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Foundations Am I being underpaid? Which award covers me? Classification levels Casual, part-time or full-time

What the award requires Penalty rates The casual loading Overtime rates Public holiday pay Award allowances

Salaries and set-off Does my salary cover it? Outer limits Set-off clauses

Working out the figure The six year limit Super on back pay Interest on a claim Historical award rates

Recovering it Getting help Small claims Records and pay slips

For employers Wage theft is a crime Self-auditing a payroll

Contractor or Employee What a reclassified contractor actually costs

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The tests The contractor vs employee test Does an ABN make somebody a contractor? Personnel Contracting and Jamsek The Fair Work employee definition The right of delegation Sham contracting

Super Do you have to pay super for contractors? The super guarantee charge Payday Super How far back can unpaid super go?

State taxes and cover Payroll tax on contractors The payroll tax contractor exemptions Payroll tax grouping Deemed workers and workers compensation

What it costs What contractor reclassification costs Back-paying leave to a reclassified contractor PAYG withholding and contractors Voluntary disclosure

Fixing it Converting contractors to employees Does a contractor's company fix anything?

GST Margin Scheme Property development GST, priced every lawful way

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The margin scheme GST margin scheme for property Margin scheme eligibility The margin scheme written agreement Consideration or valuation Approved valuations What comes off the margin

GST on a development GST on property development New residential premises GST on subdivided land Substantial renovations and GST GST credits on a development

Settlement GST at settlement Why the withholding is 7% The GST withholding notice The two settlement forms

Renting and adjustments Renting new premises before you sell Division 129 adjustments The five year rule

Getting it right Selling as a going concern GST-free farm land Asking for a private ruling Registering for GST as a developer Eight GST mistakes developers make Selling to an associate How to use this calculator

Super Death Benefits Tax Calculator What your children will pay to inherit your super

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Getting it wrong Nine super death benefit mistakes that cost families six figures Lapsing or non-lapsing death benefit nomination: which do you have? What happens to your super when you die in Australia? SMSF death benefits tax: the extra traps in a self-managed fund How long a fund has to pay a death benefit, and why it matters Reversionary pensions and the transfer balance cap after a death What advice on super death benefits tax costs in Australia How to use the super death benefits tax calculator

The tax Super death benefits tax in Australia: what your family actually pays Superannuation death benefit tax rates: 15%, 17%, 30% and 32% explained Taxable and tax-free components of super: how to find yours Who is a death benefits dependant for super tax purposes? Do adult children pay tax on inherited super in Australia? The untaxed element: why life insurance in super is taxed at 32% Medicare levy on super death benefits: the 2% most families pay twice over

What can be done The super re-contribution strategy: how it cuts death benefits tax Bring-forward non-concessional contributions: {{fig.BringForwardCap}} in one year The proportioning rule: why you cannot withdraw only the taxable part Binding death benefit nomination to the estate or direct to children? Withdrawing super before death: when it saves tax and when it costs Condition of release at 60: the day the fix becomes available Death benefit pension or lump sum: which is taxed less? Life insurance inside or outside super: the death benefits tax difference

Payroll Tax Grouping One group, eight states, one shared threshold

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Grouping Payroll Tax Grouping Explained Common Control Shared Employees Tracing of Interests Exclusion Orders The Designated Group Employer

Thresholds and rates Threshold Apportionment Rates and Thresholds, All States Interstate Wages Surcharges and Levies Regional Rates

Penalties and disclosure Penalties and Interest Voluntary Disclosure Audits and Objections

Contractors Contractors and Relevant Contracts Medical and Allied Health Practices The Eight Contractor Exemptions Labour Hire and Employment Agencies

Wages What Counts as Wages The Annual Reconciliation

Main Residence CGT Your old home, and how much of the gain is actually taxed

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The exemption The main residence exemption CGT on a home you used to live in What a partial exemption looks like How much CGT will I pay? The eight mistakes that cost the most

The six-year rule The six-year rule Moving out and renting it out Leaving your home empty Moving back in before you sell Owning two homes at once

The market value reset The market value reset The valuation, and which day it is for Selling a rental that used to be your home

The cost base What goes in the cost base The third element Improvement or repair? The records you need

The tax The 50% CGT discount Contract date or settlement date? What rate is a capital gain taxed at? Capital losses, and the order they apply

The edges Working from home, and what it costs Selling while you live overseas The two hectare limit