Blog
Plain-English articles on Australian personal finance — tax, super, property, savings, and more.
5 January 2026
Stamp Duty in NSW 2025-26: Rates, Exemptions & Calculator
Complete guide to NSW stamp duty rates for 2025-26. Find out what you'll pay, first home buyer exemptions, and how the property tax option works.
8 January 2026
Stamp Duty in Victoria 2025-26: Rates, Concessions & Changes
How much stamp duty will you pay in Victoria? Full breakdown of VIC transfer duty rates, first home buyer concessions, and off-the-plan savings.
10 January 2026
Stamp Duty in Queensland 2025-26: Rates, Thresholds & Exemptions
Everything you need to know about QLD transfer duty. Current rates, first home concessions, and how foreign buyers pay extra surcharges.
13 January 2026
First Home Buyer Grants & Schemes in Australia 2025-26 (Every State)
Complete guide to every first home buyer grant, stamp duty concession, and government scheme available in Australia right now by state.
16 January 2026
How Much Can I Borrow? Australian Home Loan Borrowing Power Explained
Find out how banks calculate your borrowing power in Australia. We break down income, expenses, HEM, and the 3% serviceability buffer.
19 January 2026
LMI Explained: What Is Lenders Mortgage Insurance & How to Avoid It
Lenders mortgage insurance can cost you tens of thousands. Learn how LMI works, what triggers it, and the strategies to avoid paying it.
22 January 2026
Negative Gearing Explained: How It Works in Australia (2025-26)
Understand how negative gearing works, its tax benefits for property investors, and why it remains a hot political issue in Australia.
25 January 2026
Offset Account vs Redraw Facility: Which Saves You More?
Offset and redraw both reduce your mortgage interest, but they work differently. Here is which one suits your situation and why it matters.
28 January 2026
Capital Gains Tax on Property in Australia: The Complete Guide
How CGT applies when you sell an investment property, the 50% discount, main residence exemption, and six-year absence rule explained.
31 January 2026
Buying vs Renting in Australia 2025-26: Which Is Actually Cheaper?
We crunch the numbers on buying vs renting in major Australian cities. The answer might surprise you depending on where you live.
2 February 2026
Rental Yield Explained: How to Calculate & What's a Good Return
Learn how to calculate gross and net rental yield on investment property, plus what yields to target across Australian capital cities.
4 February 2026
How to Compare Home Loans in Australia: 9 Things Beyond the Rate
Interest rate is just the start. Learn about comparison rates, fees, offset accounts, and features that actually matter when choosing a loan.
6 February 2026
Stamp Duty in WA, SA & Tasmania 2025-26: Rates & Concessions
Transfer duty rates and first home buyer concessions for Western Australia, South Australia, and Tasmania in one handy guide.
8 February 2026
First Home Super Saver Scheme (FHSSS): How to Use Super for a Deposit
The FHSS scheme lets you save up to $50,000 inside super for your first home deposit. Here is exactly how it works and how to apply.
10 February 2026
Property Investment in Australia: A Beginner's Guide for 2025-26
Thinking about buying an investment property? This guide covers financing, tax benefits, risks, and what to look for in your first purchase.
6 January 2026
Australian Tax Brackets 2025-26: Rates, Thresholds & How Much You'll Pay
Full breakdown of Australian income tax brackets for 2025-26 including the Stage 3 tax cuts, PAYG tables, and take-home pay examples.
12 January 2026
How to Lodge Your Tax Return in Australia 2025-26 (Step-by-Step)
A step-by-step guide to lodging your Australian tax return through myTax, including deadlines, what you need, and common mistakes to avoid.
15 January 2026
Tax Deductions You Can Claim in Australia 2025-26: The Full List
Maximise your tax refund with this comprehensive list of deductions for employees, including work-from-home, car, uniform, and education expenses.
20 January 2026
HECS-HELP Repayment Thresholds 2025-26: When & How Much You Repay
Current HECS-HELP repayment thresholds, rates, and indexation rules. Find out when repayments start and how to reduce your student debt faster.
24 January 2026
Medicare Levy & Surcharge Explained: Who Pays & How to Avoid It
Understand the 2% Medicare levy, the surcharge for high earners without private health, and the income thresholds that determine what you pay.
29 January 2026
GST for Small Business Australia: Registration, BAS & Compliance Guide
Do you need to register for GST? Learn the $75K threshold, how to lodge BAS, and what expenses you can claim GST credits on.
1 February 2026
How Is Redundancy Pay Taxed in Australia? Genuine vs Non-Genuine Explained
Redundancy pay gets special tax treatment if it qualifies as genuine. Learn the tax-free limits, ETP rules, and how to check your entitlements.
5 February 2026
Salary Packaging in Australia: How It Works & Is It Worth It?
Salary packaging can save you thousands in tax, especially in not-for-profit and healthcare. Here is how it works and who benefits most.
9 February 2026
Tax on Investment Income in Australia: Shares, Property & Interest
How dividends, capital gains, rental income, and interest are taxed in Australia. Includes franking credits, CGT discount, and reporting tips.
12 February 2026
Working from Home Tax Deductions Australia 2025-26: What You Can Claim
The ATO's revised fixed rate method for WFH deductions explained. What you can claim, records you need, and how to maximise your refund.
15 February 2026
ABN & Sole Trader Tax Guide Australia: Everything You Need to Know
Starting as a sole trader? Learn about ABN registration, tax obligations, deductions, and quarterly BAS requirements in this complete guide.
18 February 2026
Crypto Tax in Australia 2025-26: How the ATO Taxes Cryptocurrency
The ATO is watching. Learn how Bitcoin and other crypto is taxed in Australia, including CGT events, DeFi, staking, and record-keeping rules.
7 January 2026
Super Guarantee Rate 2025-26: What 12% SG Means for Your Pay
The super guarantee rate is 12% for 2025-26. Here is how it affects your take-home pay, employer obligations, and retirement savings.
18 January 2026
How Much Super Do I Need to Retire Comfortably in Australia?
ASFA says couples need $690K for a comfortable retirement. We break down the numbers by age, lifestyle, and whether the Age Pension helps.
27 January 2026
Salary Sacrifice Into Super: How It Works & How Much You Save
Salary sacrificing into super can save you thousands in tax. Learn the concessional cap, how to set it up, and whether it is right for you.
3 February 2026
Super Co-Contribution Explained: Get Up to $500 Free from the Government
Earn under $60,400? The government will match your after-tax super contribution up to $500. Here is how the co-contribution scheme works.
11 February 2026
Division 293 Tax Explained: Extra Super Tax for High Income Earners
Earning over $250,000? Division 293 means you pay an extra 15% tax on your super contributions. Learn how it works and how to manage it.
16 February 2026
How to Choose a Super Fund in Australia: What Actually Matters
Fees, investment options, insurance, and performance. A practical guide to comparing super funds and picking the right one for your situation.
20 February 2026
Super for Self-Employed & Sole Traders: Your Complete Guide
Self-employed Australians don't get employer super. Learn how to make your own contributions, claim the tax deduction, and plan for retirement.
24 February 2026
Can You Access Super Early? Conditions of Release Explained (Australia)
Find out when you can legally access your super early, including severe financial hardship, compassionate grounds, and terminal illness.
9 January 2026
The 50/30/20 Budget Rule Explained: A Simple Way to Manage Your Money
The 50/30/20 rule splits your income into needs, wants, and savings. Learn how to apply it on an Australian salary with practical examples.
14 January 2026
Emergency Fund Guide: How Much to Save & Where to Keep It
Most experts say 3-6 months of expenses. We show you exactly how to calculate your number and the best high-interest accounts to park it in.
21 January 2026
How to Pay Off Credit Card Debt Fast in Australia (7 Proven Methods)
Drowning in credit card debt? These 7 strategies, from balance transfers to the avalanche method, can help you become debt-free sooner.
26 January 2026
Personal Loan vs Credit Card: Which Is Better for Your Situation?
Comparing interest rates, fees, and repayment structures. When a personal loan beats a credit card and when the card actually wins.
7 February 2026
Debt Consolidation in Australia: Pros, Cons & Is It Worth It?
Debt consolidation rolls multiple debts into one loan. Find out when it genuinely saves you money and when it can make things worse.
13 February 2026
Compound Interest Explained: How Your Money Grows (with Examples)
Albert Einstein called it the eighth wonder of the world. Learn how compound interest works and see the dramatic effect of starting early.
17 February 2026
Best High Interest Savings Accounts Australia 2025-26 Compared
We compare the top high-interest savings accounts in Australia by rate, conditions, and bonus interest requirements to find the best deal.
21 February 2026
Cost of Living by City in Australia 2025-26: Sydney vs Melbourne vs Brisbane
How much does it cost to live in Australia's major cities? Rent, groceries, transport, and utilities compared across Sydney, Melbourne, and more.
25 February 2026
How to Save for a House Deposit in Australia: Practical Strategies
How much deposit do you need and how long will it take? Realistic savings strategies, government schemes, and ways to fast-track your goal.
1 March 2026
25 Side Hustle Ideas in Australia: Earn Extra Money in 2025-26
Looking to boost your income? These 25 side hustles are proven money-earners in Australia, from freelancing to flipping to content creation.
11 January 2026
Youth Allowance 2025-26: Eligibility, Rates & How to Apply
Are you eligible for Youth Allowance? Current payment rates, income and assets tests, and a step-by-step guide to applying through myGov.
14 February 2026
JobSeeker Payment 2025-26: Rates, Eligibility & Mutual Obligations
Current JobSeeker payment rates, who is eligible, income test thresholds, and what mutual obligations you need to meet to keep your payment.
19 February 2026
Age Pension Australia 2025-26: Rates, Eligibility & Income Test
Everything you need to know about the Australian Age Pension, including current fortnightly rates, qualifying age, and the income and assets tests.
23 February 2026
Family Tax Benefit (FTB) Explained: Part A, Part B & How Much You Get
Family Tax Benefit provides fortnightly payments to help with the cost of raising children. Learn about Part A, Part B, income limits, and rates.
5 March 2026
Centrelink Income Test Explained: How Your Payment Is Calculated
The income test determines how much your Centrelink payment is reduced. Learn the free areas, taper rates, and how partnered income affects you.