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Why each calculator RAD or DAP Small Business CGT Division 296 Projector Child Support Calculator 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 GST Margin Scheme Super Death Benefits Tax Calculator Payroll Tax Grouping Main Residence CGT

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

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Foundations Aged care fees explained: the 4 costs you pay How much does aged care cost in Australia? 4 worked examples How much does respite care cost in 2026? How to calculate aged care costs in 6 steps

Accommodation RAD vs DAP: which way to pay costs less? What is a RAD? The refundable accommodation deposit explained What is a DAP? The daily accommodation payment explained

Means testing The aged care means test, explained simply Means tested care fee vs the new non-clinical care contribution The hotelling contribution: the aged care fee with no cap The non-clinical care contribution: rates, caps and the 4 year rule How aged care can cut or boost your Age Pension Aged care fee caps: what stops, and what never does

The home Should you sell the family home to pay for aged care? Renting out the home in aged care: does it pay?

Home care Support at Home explained: budgets, levels and what you pay Support at Home contributions: what will you pay? Home care vs an aged care home: which costs more?

Getting help How much does aged care financial advice cost? Can't afford aged care? Hardship help explained

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

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The four concessions Small business CGT concessions explained: all 4 in plain English The 15-year exemption: sell your business with no CGT on the gain The 50% active asset reduction: the tax break that applies itself The retirement exemption: $500,000 tax free, no need to retire The small business rollover: delay the tax, but not forever

Do you qualify? The basic conditions: do you qualify for the small business CGT concessions? The $2 million turnover test (not $10 million) The $6 million net asset value test, explained simply The active asset test: does your asset qualify? Affiliates and connected entities: whose figures count with yours Selling shares in your own company: the extra CGT conditions Significant individuals and CGT concession stakeholders, explained

The order In what order do the small business CGT concessions apply? Capital losses and the 50% CGT discount on a business sale Switching off the 50% active asset reduction: when it pays

Where the money goes Business sale to super: how the CGT cap works Retirement exemption under 55: what must go into super The two-year replacement asset window and CGT event J5

Getting it right 8 small business CGT mistakes that cost the most Small business CGT choices: deadlines and the records you need

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

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Foundations Division 296 explained: the $3m super tax in plain English How is Division 296 tax calculated? A step by step guide What counts in your total super balance for Division 296? What counts as earnings for Division 296? The $10m super tax tier: why the rate is 25%, not 10%

The transitional rules Why 30 June 2027 matters more than any other Division 296 date The Division 296 cost base reset election, explained Division 296 CGT relief for industry and retail funds How the Division 296 thresholds rise with inflation

Inside the fund How does an SMSF split Division 296 earnings between members? Is your pension account safe from Division 296? What happens to Division 296 when your fund loses money? Portfolio turnover: the free way to cut Division 296 Division 296 on defined benefit super, explained

What you can do Should you take money out of super before 30 June 2027? Evening up super between partners to cut Division 296 Should you stop super contributions over $3m? How to pay Division 296 tax: deadlines and options

Edges What happens to Division 296 when you die? Who is exempt from Division 296? 9 Division 296 mistakes that cost real money

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 Is Child Support Calculated in Australia? The Child Support Self-Support Amount, Explained The Costs of the Children Table for Child Support Adjusted Taxable Income for Child Support, Explained Combined Child Support Income, Explained Income Percentage vs Cost Percentage in Child Support

Care and nights What Is One Night of Care Worth in Child Support? Going From 4 to 5 Nights a Fortnight: What Changes? Reporting a Change in Care: The 28 Day Rule 50/50 Care and Child Support: Who Pays?

Change of assessment The 10 Reasons You Can Change a Child Support Assessment Reason 8: Hidden Income and Earning Capacity in Child Support Private School Fees and Child Support: Reason 3 Child Support for a Child With Special Needs: Reason 2 Travel Costs to See Your Children: Reason 1 What Evidence Do You Need for a Change of Assessment?

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

Rates and floors The Minimum Child Support Payment in Australia Can Grandparents Get Child Support? Kinship Carers Explained Services Australia, a Lawyer or the Tribunal: Who Does What?

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, and what it takes from you Who keeps the capital gain in a retirement village? The 3 clauses to find in your retirement village contract Is a retirement village a rip-off? The honest answer

The law How long does a retirement village take to pay you out? How long do you keep paying fees after leaving a retirement village?

The alternatives Retirement village or land lease community: which costs less? Is it cheaper to stay in your house than move to a village?

What actually happens What happens to a retirement village unit when a resident dies? Moving from a retirement village into aged care: the timing trap

By state NSW retirement village exit rules: what the Act gives you Queensland retirement village exit rules: what the Act gives you Victorian retirement village exit rules: what the Act gives you Retirement village exit rules in SA, WA, the ACT, Tasmania and the NT

The traps Leaving a retirement village after a short stay: why it costs the most What does reinstatement mean in a retirement village?

What you can do 11 questions to ask a retirement village 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, and why do most get less? How much can you own and still get the pension? How much income can you have and still get the pension? Why every $1,000 over the limit costs you $78 a year When does the Age Pension stop? Deeming: how Centrelink decides what your savings earn

Who counts as what Own your home? Your asset limit is much lower Couples and the Age Pension: whose money counts? Younger partner's super: not counted until they turn 67 What counts as an asset for the Age Pension? Your home and the Age Pension: why it is not counted

What can be done about it How much money can you give away on the Age Pension? Can a funeral bond lift your Age Pension? Can renovating your home boost your Age Pension? Can spending your savings raise your Age Pension? Lifetime income streams: only 60% counts as an asset Granny flat interests: how paying family affects your pension

Income, work and timing Work Bonus: how much can you earn on the Age Pension? Does your super pension cut your Age Pension? When does the Age Pension go up? 3 dates to know How much does Age Pension advice cost? What to report to Centrelink, and the 14 day rule

Land Tax Check Every state, every structure, one bill

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How land tax works Land tax aggregation: why your second property raises the bill Land tax assessment dates: the midnight that sets your bill Land value vs property value: which one is land tax based on? Land tax thresholds by state: all eight compared Australian land tax rates: every state’s scale in one place

Ownership and structures NSW land tax for trusts: why a family trust pays from the first dollar Victorian land tax for trusts: what the surcharge costs Family trust land tax: what a discretionary trust really costs Unit trust land tax: can a fixed trust keep the threshold? Company vs individual: which pays more land tax? SMSF land tax: how a super fund is taxed in each state

Splitting and joint ownership Does putting your partner on the title cut land tax? Land tax secondary deduction: reading a joint assessment Land tax grouping: when separate entities count as one

Exemptions Principal place of residence exemption: how people lose it Primary production exemption: when farmland is land tax free Land tax exemptions in Australia: what is tax free?

Surcharges Foreign owner land tax surcharge: what each state charges Victoria’s absentee owner surcharge: who pays it and how much

Planning ahead Can I just move my property into a different name? Which state to buy your next investment property in: land tax compared Why does land tax go up when you have not bought anything?

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

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How the split works How Is Property Settlement Calculated in Australia? The Four Step Process in Property Settlement, Explained What Goes in the Asset Pool When You Divorce? Contributions in a Property Settlement: What Counts? Future Needs in Property Settlement: Section 75(2) Explained What Does "Just and Equitable" Mean in a Property Split?

What moves the number Money You Brought In: Initial Contributions Explained Can Your Ex Claim Your Inheritance in a Divorce? How Super Splitting Works in an Australian Divorce Who Gets the House in a Divorce or Separation? Family Violence and Property Settlement: What Changed Wastage and Add-Backs: When Money Was Gambled or Hidden

Married, de facto and deadlines De Facto Property Settlement: How It Works in Australia Property Settlement Time Limits: How Long Do You Have? Separated Under One Roof in Australia: Proving the Date Divorce vs Property Settlement: What's the Difference?

Getting it done Consent Orders in Australia: How to Make Your Split Final Binding Financial Agreements in Australia: Cost and Risks Property Settlement Mediation in Australia: What to Expect How Much Does a Property Settlement Cost in Australia? Priority Property Pool Cases: The Fast Track for Small Pools

Common questions Is a Property Settlement Always 50/50 in Australia? Property Settlement With Children: How Kids Change the Split

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 Will I Get in Australia? Is My Redundancy Genuine? The Four Tests That Decide Your Tax Redundancy Notice Period in Australia: How Many Weeks You Get Small Business Redundancy Pay: What Is Owed and What Is Not Can Your Award Pay More Redundancy Than the Minimum? Why Redundancy Pay Drops at Ten Years of Service

How it is taxed How Much of Your Redundancy Payout Is Tax Free? The ETP Cap and Whole-of-Income Cap, Explained Simply How Is Redundancy Taxed in Australia? Every Part Explained How Unused Annual Leave Is Taxed When You Are Made Redundant How Long Service Leave Is Taxed When You Leave a Job How a Golden Handshake Is Taxed in Australia Was Too Much Tax Taken From My Redundancy Payout? Redundancy Paid Before or After 30 June: Which Is Better? Can a Redundancy Payout Trigger the Medicare Levy Surcharge? How Early Retirement Scheme Payments Are Taxed

Super and Centrelink Can You Put Your Redundancy Payout Into Super? Catch-Up Super After Redundancy: Use Five Years of Unused Cap Division 293 Tax on a Redundancy Payout: Will It Hit You? Redundancy and Centrelink: How Long Will You Wait? The Liquid Assets Waiting Period After Redundancy, Explained

Getting it right How Much Does Financial Advice on a Redundancy Cost? Redundancy Payout Checklist: 14 Things to Check Before You Sign

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

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The basics What is Division 7A? A plain English guide Director loan accounts: what counts and what it costs Division 7A deadlines: lodgment day, 30 June and 1 July How to use a Division 7A loan calculator 9 common Division 7A mistakes and what they cost

The repayment Division 7A minimum yearly repayment: how it is worked out Division 7A benchmark interest rate: this year's rate and history Division 7A loan agreement: the 3 rules it must meet 7 or 25 year Division 7A loan: which term costs less? Missed a Division 7A repayment? What happens next

What it costs What a Division 7A deemed dividend really costs Distributable surplus: the cap on a deemed dividend Franked dividend or Division 7A loan: which costs less? Salary, dividend or loan: taking money out of your company Division 7A penalties and interest: what the ATO adds

Trusts and Division 7A Unpaid present entitlements and Division 7A after Bendel The Bendel decision explained: trust UPEs and Division 7A Subdivision EA: when a trust pays a company's shareholder

Putting it right Section 109RB: the Commissioner's discretion explained Section 109R: Division 7A 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: how contesting a will works Who can contest a will in Australia? Eligible people in every state What does a court look at in a family provision claim? Every factor How much is a family provision claim worth? Building a realistic range Time limits to contest a will in Australia: the deadline in every state

State by state Contesting a will in NSW: the 12 month deadline and assets outside the will Contesting a will in Victoria: Part IV claims and the 6 month deadline Contesting a will in Queensland: the 6 and 9 month deadlines Contesting a will in WA and SA: who can claim, deadlines and costs Contesting a will in Tasmania, the NT and the ACT: deadlines and who can claim

What a claim can reach Notional estate in NSW: how a court reaches assets outside the will Superannuation and will claims: when a death benefit can be pulled back in Jointly owned property and will claims: when joint ownership is not a shield What counts as the estate when someone contests a will?

Costs and how it ends Who pays the legal costs when a will is contested? How much does it cost to contest a will in Australia? Mediation in will disputes: why most contested wills settle Deed of family arrangement: settling a will dispute without going to court

Protecting an estate Leaving a child out of your will: what it could cost the estate A statement of reasons with your will: what it can and cannot do Estrangement and will claims: does a long silence stop a claim? Can someone give up the right to contest a will? Court-approved releases A life interest in a will: how it works and who it suits

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 after tax? How much tax do you pay on a TPD payout in Australia? What is the future service uplift on a TPD payout? Tax free vs taxable component: how your super payout is split TPD claim after 60: why the tax on your payout disappears

Your super accounts Can you claim TPD on more than one super account? Consolidating super before a TPD claim can cancel your cover Why was my TPD cover cancelled on an inactive super account? How to find lost super and its cover before you claim TPD Default TPD cover in super: do you have it?

The policy definition Any occupation vs own occupation TPD: what is the difference? Activities of daily living TPD test: why it is so hard to pass Terminal illness benefit or TPD: which one applies to you? TPD vs income protection: what is the difference?

Making the claim What does your super fund need for a TPD claim? Too much tax taken off your TPD payout? How it gets fixed TPD claim declined? What to do next How long does a TPD claim take in Australia? How to take a TPD complaint to AFCA for free

The money afterwards TPD lump sum or income stream: which leaves you more money? No win no fee TPD lawyers: what the percentage really costs

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

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The four tests Australian Tax Residency Test: Am I a Resident for Tax? The Resides Test: Do You Still Live in Australia? The Domicile Test: What Is a Permanent Place of Abode? The 183 Day Rule: Does It Make You a Tax Resident? The Commonwealth Super Test: Resident Wherever You Live TR 2023/1 Explained: The ATO Ruling on Tax Residency

Leaving Australia Leaving Australia: When Do You Stop Being a Tax Resident? CGT Event I1: The Tax You Pay for Leaving Australia The Section 104-165 Choice: Pay the Exit Tax Now or Later? Selling Your Home as a Foreign Resident: No CGT Exemption Selling Australian Property as a Non-Resident: The Tax HELP Debt Overseas: Do You Still Have to Repay It?

Coming to Australia Becoming an Australian Tax Resident: When Does It Start? Temporary Resident Tax Rules: Is Your Foreign Income Exempt? Working Holiday Maker Tax Rates: The 15% Backpacker Tax Part-Year Tax-Free Threshold: How Much Do You Get?

What it costs Foreign Resident Tax Rates: 30% From Your First Dollar Non-Resident Withholding Tax: What You Pay on Australian Income Medicare Levy and Tax Residency: Who Pays and Who Does Not Dual Tax Residency: Which Country Gets to Tax You?

Getting it right The 45 Day Residency Test: Announced, But Still Not Law Tax Residency Court Cases: What Harding, Pike and Addy Decided Tax Residency Evidence Checklist: What the ATO Asks For

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 concessional contributions: how unused super cap works Concessional contributions cap 2026-27: what counts and what is left Unused concessional cap: how to find it and use it The $500,000 total super balance rule for catch-up contributions When does unused super cap expire? The five year rule How to check your unused super cap in myGov, step by step

The year you sell Can a super contribution cut your capital gains tax? Selling an investment property? How a super contribution can cut the tax Selling a business: how catch-up super can cut the CGT bill Selling an inherited property: the CGT bill and how super can cut it Bonus or redundancy year? How catch-up super can cut the tax

The tax arithmetic How much tax does a personal super contribution really save? Which tax bracket does your super contribution come off? Division 293 tax: what it does to a catch-up super contribution Why a super contribution will not lower your Medicare levy surcharge How much does advice on a catch-up super contribution cost?

Rules and mistakes Notice of intent to claim a super deduction: the form that decides it The work test at 67 to 74: can you still claim a super deduction? Excess concessional contributions: what happens if you go over the cap Carry-forward or non-concessional: which super contribution fits your sale year? 9 catch-up super contribution mistakes that cost you the deduction

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

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Foundations Am I being underpaid? 6 checks to find out Which award am I on? How to find your modern award Award classification levels: how to find your pay level Casual, part-time or full-time: how it changes your pay

What the award requires Penalty rates explained: what your nights and weekends are worth The 25% casual loading: what it covers and what it does not Overtime rates in Australia: time and a half, then double time Public holiday pay rates: what you should get, worked or not Award allowances: the extra payments bosses often miss

Salaries and set-off Does my salary cover penalty rates and overtime? Annualised salary outer limits: when your salary stops covering you Set-off clauses: can one payment cover another?

Working out the figure How far back can you claim unpaid wages? The six year rule Super on back pay: the part with no time limit Interest on unpaid wages: how much a court can add Historical award rates: what you should have been paid in past years

Recovering it Underpaid? Where to get help, and what each option costs Fair Work small claims: claim up to $100,000 for a small fee Pay slips and time records: what your employer must keep

For employers Is wage theft a crime in Australia? What changed in 2025 Payroll self-audit checklist: 9 checks for award compliance

Contractor or Employee What a reclassified contractor actually costs

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The tests Contractor vs employee test: the 5 tests explained Does an ABN make someone a contractor? Personnel Contracting and Jamsek: the 2022 cases explained Fair Work employee definition: what section 15AA means Right of delegation: the clause that can decide super Sham contracting in Australia: penalties and the defence

Super Do you have to pay super for contractors in Australia? Super guarantee charge: why late super costs more Payday Super: the new 7 day rule from 1 July 2026 How far back can the ATO go for unpaid super?

State taxes and cover Payroll tax on contractors: the rules in every state Payroll tax contractor exemptions: the 9 ways out Payroll tax grouping: why your threshold may be smaller Are contractors covered by workers compensation?

What it costs What does it cost if a contractor is really an employee? Leave back pay when a contractor is really an employee PAYG withholding for contractors: the hidden penalty Voluntary disclosure: what owning up early really saves

Fixing it Converting contractors to employees: costs and traps Does paying a contractor's company fix the risk?

GST Margin Scheme Property development GST, priced every lawful way

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The margin scheme The GST margin scheme for property, explained simply Who can use the GST margin scheme? The margin scheme written agreement: sign it before settlement Margin scheme: what you paid, or a valuation? What makes a margin scheme valuation "approved"? What comes off the GST margin, and what does not

GST on a development GST on property development in Australia: the full picture What makes a home "new" for GST? GST on subdivided land: what lot sellers pay Substantial renovations and GST: when an old home becomes new Claiming GST credits on a property development

Settlement GST at settlement: how much the buyer holds back Why GST withholding is 7% under the margin scheme The GST withholding notice you must give the buyer GST property settlement forms one and two, explained

Renting and adjustments Renting out new homes before you sell: the GST cost Division 129 GST adjustments, step by step The GST five year rule for new homes

Getting it right Selling property GST-free as a going concern GST-free farm land: the catch for the next buyer Asking the ATO for a private ruling on a property sale Do you have to register for GST as a property developer? 8 costly GST mistakes property developers make Selling property to an associate: GST on market value, not price How to use the GST margin scheme calculator

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

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Getting it wrong 9 super death benefit mistakes that can cost your family six figures Has your super nomination expired? Lapsing vs non-lapsing explained What happens to your super when you die? The process explained SMSF death benefits tax: same rates, but extra traps in a self-managed fund How long does a super fund take to pay a death benefit? Reversionary pensions and the transfer balance cap: what happens after a death How much does advice on super death benefits tax cost in Australia? How to use the super death benefits tax calculator, step by step

The tax Super death benefits tax in Australia: what your family will actually pay Super death benefit tax rates: 15%, 17%, 30% and 32% explained simply Taxable and tax free components of super: what they are and how to find yours Who counts as a death benefits dependant for super tax? Do adult children pay tax on inherited super? Yes. Here is how much The untaxed element: why life insurance in super can be taxed at {{fig.UntaxedRate}} Medicare levy on super death benefits: the extra {{fig.MedicareLevy}} and how it can be avoided

What can be done Super re-contribution strategy: how it cuts the tax your kids will pay Bring-forward rule: put {{fig.BringForwardCap}} into super in one year The proportioning rule: why you can't take out only the taxable part of your super Death benefit nomination: to your estate or straight to your children? Withdrawing super before death: when it saves tax and when it costs more Condition of release at 60: when you can finally fix the tax Death benefit pension or lump sum: which one is taxed less? Life insurance inside or outside super: which costs your family less tax?

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

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Grouping Payroll Tax Grouping Explained: How Two Businesses Become One Employer Common Control and Payroll Tax: When Shared Owners Group Your Businesses Shared Staff and Payroll Tax Grouping: Why One Bookkeeper Is Enough Payroll Tax Tracing of Interests: How Trusts and Companies Create a Group Payroll Tax Exclusion Orders: How a Business Gets Out of a Group Designated Group Employer: Who Claims the Payroll Tax Threshold

Thresholds and rates Payroll Tax Threshold Apportionment: Why Interstate Wages Shrink Your Threshold Payroll Tax Rates and Thresholds 2026-27: All 8 States and Territories Interstate Wages and Payroll Tax: Which State Taxes Which Employee Payroll Tax Surcharges and Levies: Victoria's Two and Queensland's One Regional Payroll Tax Rates in Victoria and Queensland: Who Qualifies

Penalties and disclosure Payroll Tax Penalties and Interest: What a Shortfall Really Costs Payroll Tax Voluntary Disclosure: What It Involves and What It Saves Payroll Tax Audits and Objections: What Happens, Step by Step

Contractors Payroll Tax and Contractors: When a Contractor Payment Counts as Wages Payroll Tax for Medical Practices: Where Every State Stands Now The 8 Payroll Tax Contractor Exemptions and How to Prove Each One Payroll Tax and Labour Hire: How the Employment Agency Rules Work

Wages What Counts as Wages for Payroll Tax in Australia? Payroll Tax Annual Reconciliation: What It Asks Your Group

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

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The exemption Main residence exemption explained: how it works in Australia CGT on a former home: the whole calculation, step by step Partial main residence exemption: how the days are counted How much capital gains tax will I pay on my property? 8 main residence exemption mistakes that cost real money

The six-year rule The 6-year rule for CGT: how it really works Moving out and renting your home: what happens to your CGT Leaving your old home empty: CGT with no six-year limit Moving back in before selling: does it cut your CGT? Owning two homes: which one gets the main residence exemption?

The market value reset The market value rule (section 118-192): when it helps and hurts Property valuation for CGT: which day, and who can do it Selling a rental that used to be your home: the CGT rules

The cost base What goes in the cost base of a property for CGT? The third element of the cost base: rates, interest and insurance Capital improvement or repair: which one cuts your CGT? CGT records for a former home: what to keep and find

The tax The 50% CGT discount: who gets it and how it works Contract date or settlement date: which one counts for CGT? What rate is capital gains tax on property in Australia? Capital losses and CGT: why the order doubles their value

The edges Does working from home affect CGT on your house? Selling your Australian home while living overseas The 2 hectare rule: CGT on rural and large blocks