Claim every dollar you're owed.
See the deductions that apply to your job — and what they're worth at your income — on the ATO's published 2025-26 rates.
Free · 60 seconds · no account · $15 once for the full builder, no subscription.
Example income — drag or type yours to make it real.
Worth back at your 32% rate
$1,453
if you claimed a nurse's typical deductions — illustrative, not your refund
Illustrative — a typical set of deductions for a nurse, valued on the ATO's published rates. Your own estimate is built below.
Official ATO 2025-26 rates
Every figure uses the published rates and thresholds.
Your income isn't stored
It stays in your browser — never saved or sent to us.
No account, no card
Free to estimate. Nothing to sign up for to look around.
Current for FY2025-26
Updated through the 2026 Federal Budget changes.
What can you claim for your job?
Pick your occupation and income to see the deductions that apply to you, a typical claim range, and exactly what to keep as evidence. Free to see what applies.
Three simple steps to the refund you're owed.
Whatever your situation — one job or five, a side hustle, shares, a rental or Centrelink payments — you'll see the scenarios that apply to you, understand your own tax in plain English, and find the deductions worth claiming. No guesswork.
- 1Free
Estimate for free
Slide your income and deductions and watch your refund move live. No account, no card.
- 2$15 one-time
Unlock the full builder
Deductions across all your income sources, a Smart Advisor that asks the questions an accountant would, and a lodge-ready claim report. Access lasts through the 31 October 2026 lodgment deadline.
- 3Your return
Lodge it yourself
Any time before 31 October, take your exact figures straight into your ATO return, or hand the report to your registered tax agent.
Not sure what you can claim?
Answer a few plain questions — the kind a good accountant would ask — and EOFYmate flags the deductions that might apply to you, then points to exactly where each one goes. Free, no account.
Try the deduction checklistGeneral prompts to help you consider what might apply — not personal tax advice.
Do you ever work from home, even just checking emails?
Claim 70c for every hour you work from home.
Do you use your personal phone for work calls?
Claim the work-use share of your phone bill.
Are you a member of a union or professional association?
Membership fees are fully tax-deductible.
…and a dozen more, across work, property and personal.
See how you'll find what you can claim
A plain-English walkthrough of how your 2025-26 tax and refund are worked out — so you can estimate yours and find every deduction you're entitled to claim.
A guided path from rough guess to lodged return.
Your lodgment window: 1 July – 31 October. The tax year closes 30 June, but that's when your return work actually starts. EOFYmate is built for this window, so take your time and get it right.
Start with your income. Watch your refund move.
Set your main income once — every figure on this page is worked out at your rate. Then slide the deductions and extra income that fit your year, and the running estimate follows you.
Showing the $85,000 default — set yours for real figures. Add the cards that fit and a running total builds at the end of this section.
12 quick wins to estimate your position.
Work deductions, property, investments and the situation checks most people miss — like a second job, a working-holiday visa or the Medicare surcharge. Add the ones that fit.
Work from homeWork from homeA deduction for the running costs of working from home — electricity, internet, phone and stationery.ATO rule: The fixed-rate method lets you claim $0.70 for every hour worked from home, as long as you keep a record of your hours (PCG 2023/1).See ATO reference
Claim a flat rate for every hour you work at home, with energy, internet and phone bundled in.
Yearly deduction
$420
$0.70/hour · ≈ $134 back
Car trips for workCar trips for workA deduction for using your own car for work — between job sites, to meetings, or for work errands (not your normal commute).ATO rule: Under the cents-per-kilometre method you claim $0.88/km for up to 5,000 work kilometres a year, with a reasonable record of your trips.See ATO reference
Driving between jobs or sites? Claim 88 cents a kilometre, up to 5,000km a year.
Yearly deduction
$2,200
$0.88/km · ≈ $704 back
Phone & internetPhone & internetThe work-related share of your phone and internet bills.ATO rule: You can only claim the work-use portion. Keep a 4-week record to justify your percentage; we start from a conservative 30%.See ATO reference
The work share of your phone and internet bills is deductible. We start at 30%.
Yearly deduction
$360
30% work use · ≈ $115 back
Tools & equipmentTools & equipmentGear you buy to do your job — tools, a laptop, safety equipment.ATO rule: Items costing $300 or less are deductible in full this year. Over $300, you claim the decline in value (depreciation) over time.See ATO reference
Items under $300 are immediately deductible. Over $300 must be depreciated.
Yearly deduction
$0
≈ $0 back
Self-educationSelf-educationCourses and study that directly relate to your current job.ATO rule: Deductible when the study maintains or improves the skills for your current role. Study to get a new job doesn't qualify.See ATO reference
Courses directly related to your current job are deductible.
Yearly deduction
$0
≈ $0 back
Union & prof. feesUnion & professional feesUnion membership and fees for professional associations tied to your work.ATO rule: Union fees and professional memberships are fully deductible. Keep your receipts or annual statement.See ATO reference
Union fees and professional association memberships are fully deductible.
Yearly deduction
$0
≈ $0 back
Rental property
See the tax impact of a negatively geared property. Unlock the full rental income & expenses calculator in the builder.
Net loss deduction
$0
Assumes $30k rental income. ≈ $0 back
Franking credits
Franking credits cut your tax dollar for dollar. Unlock the full dividend & franking calculator in the builder.
Tax offset
$0
Directly reduces your tax bill.
Medicare ExemptionHow to claim the Medicare exemptionIf you weren't entitled to Medicare (common for some visa holders and temporary residents), you can be exempt from the 2% levy.ATO rule: You need a Medicare Entitlement Statement (MES) from Services Australia, then claim it at the M1 question when you lodge. Apply after 1 July and allow up to 8 weeks. See our Medicare guide for the full steps.See ATO reference
Not entitled to Medicare? With a valid exemption you skip the 2% levy.
Based on your main income set above ↑. Set yours to personalise this.
Levy you'd save
$1,700
2% Medicare levy waived.
Working Holiday Maker
On a 417 or 462 visa? Your first $45,000 is taxed at a flat 15%.
Based on your main income set above ↑. Set yours to personalise this.
Tax on WHM rates
$18,750
15% to $45k, then resident rates.
Medicare Levy Surcharge
Earn over $101k without private hospital cover? You're paying an extra tax.
Based on your main income set above ↑. Set yours to personalise this.
Extra tax you're paying
$0
1% to 1.5% surcharge on top of standard levy.
My first tax return
New to lodging? See what you'd owe as a resident.
Based on your main income set above ↑. Set yours to personalise this.
Estimated tax
$17,988
First $18,200 is tax-free.
Income from more than one source?
In Australia all your income combines into one taxable figure. Add anything else that applies and watch the effect honestly — extra income means a little more tax, not a separate bill.
Bank interestBank interest incomeInterest from savings accounts, term deposits, and offset accounts is assessable income and must be declared. Your bank reports this to the ATO automatically — it pre-fills your ATO return, but you should verify it matches your actual statements.ATO rule: Interest income is included in your assessable income under s6-5 ITAA 1997. The ATO receives this data directly from financial institutions via third-party reporting.See ATO reference
Interest from savings accounts and term deposits is taxable. Your bank already tells the ATO, so it needs to go on your return.
Extra tax at your 32% rate
$0
$0 added to your taxable income
Second job or casual workIncome from a second employerIf you worked for more than one employer during 2025-26, both incomes combine on your tax return. A common problem: if both employers withheld tax assuming you earn only their wage and both applied the tax-free threshold, you may have a tax bill instead of a refund.ATO rule: All employment income from all employers is assessable income and must be declared. Each employer provides a separate income statement. You can only claim the tax-free threshold from one employer at a time.See ATO reference
Worked two jobs? Both incomes add together. Enter your second employer's gross income here.
Extra tax at your 32% rate
$0
$0 added · combined income $85,000
Side income or freelanceSide income, freelance, and gig workIncome from Uber, Airtasker, tutoring, consulting, photography, or any other side work is assessable income and must be declared — whether or not you have an ABN, whether or not the payer gave you a payment summary, and whether or not tax was withheld. If you have an ABN you can deduct business expenses against this income. If your GST turnover (your business income — not wages or investments) reaches $75,000 you generally must register for GST, and ride-sourcing drivers (like Uber) must register from their first dollar.ATO rule: Business and personal services income is assessable under s6-5 ITAA 1997. Gig economy platforms report payments to the ATO under the sharing economy reporting regime.See ATO reference
Uber, Airtasker, tutoring, consulting: all side income is taxable, ABN or not. Enter your gross side income here.
Extra tax at your 32% rate
$0
$0 added to your taxable income
Centrelink and government paymentsTaxable government paymentsMany Centrelink and government payments are taxable income and must be declared. Taxable payments include JobSeeker, Youth Allowance, Austudy, ABSTUDY, and Parental Leave Pay. Non-taxable payments include Family Tax Benefit, Child Care Subsidy, and Rent Assistance. Check your Centrelink payment summary in myGov for the taxable amount.ATO rule: Australian Government allowances and payments that are assessable income are listed under s52-1 ITAA 1997.See ATO reference
JobSeeker, Youth Allowance, Parental Leave Pay and many others are taxable. Check your Centrelink payment summary in myGov.
Extra tax at your 32% rate
$0
$0 added to your taxable income
Your return, built live.
The income side is free for everyone, so adjust it and watch your refund move. The deductions side is where the real money hides: the Smart Advisor interviews you like an accountant would, and every claim shows the exact ATO rule behind it. Unlock it for $15.
This isn't just a calculator. It's a way to finally understand your own tax, even if you owe nothing this year:
- Why two people on the same salary walk away with very different refunds
- How super top-ups, negative gearing and franking credits really move your number
- When private hospital cover is cheaper than the Medicare surcharge it removes
- The legitimate deductions most people forget — with the ATO link that proves each one
Your income
Set your income first — everything on the page calculates from here. Always free, updates live.
Marginal rate 32% on your next dollar
For every $1 you claim as a deduction, you save about 32c in tax.
The total tax already withheld across ALL your income — salary, second job, everything. Add up the 'Tax withheld' from each income statement in myGov.
If you earn over $101k and answer No, you will be hit with the Medicare Levy Surcharge.
Without deductions
$138
estimated to pay · 21.2% effective rate
- Taxable income
- $85,000
- Income tax
- $16,288
- Medicare levy
- $1,700
- Tax withheld
- $17,850
Let's spot deductions to consider
A few plain questions, the kind a good accountant would ask. Say yes and we'll point you to where the claim goes in your builder.
These are general prompts to help you consider what might apply — not personal tax advice, and EOFYmate is not a registered tax agent. What you can actually claim depends on your circumstances and what you genuinely spent. Check the ATO or a registered tax agent before you lodge.
Did you work for more than one employer during 2025-26?
Did you earn any income from a side job, freelancing, or gig platforms (Uber, Airtasker, tutoring, etc.)?
Did you earn interest from a bank account or term deposit?
Did you receive JobSeeker, Youth Allowance, Parental Leave Pay, or any other Centrelink payments?
Do you own shares or ETFs that paid dividends this year?
Did you sell any shares, property, or cryptocurrency during 2025-26?
Do you receive rental income from an investment property?
Did you leave a job and start a new one during 2025-26?
Full access
- Access right through to the 31 October 2026 lodgment deadline
- Full refund builder across 15+ deduction categories
- Smart Advisor — accountant-style interview
- Side-by-side before and after refund comparison
- Pre-30-June tax strategies (super, private health, donations)
- Plain-English ATO reference behind every claim
The tax year ends 30 June, but you have until 31 October to lodge. One payment unlocks everything you need — and access stays open all the way to the deadline.
$15
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Side by side
What your refund looks like with nothing claimed, versus everything you’re entitled to.
Here's what changes when you claim everything you're entitled to. The $2,980 in deductions you've lined up lowers your taxable income from $85,000 — unlock the builder to see your exact new refund.
Without deductions
$138
estimated to pay · 21.2% effective rate
- Taxable income
- $85,000
- Income tax
- $16,288
- Medicare levy
- $1,700
- Tax withheld
- $17,850
How we calculate this
Resident tax rates. Income is taxed in steps for FY2025-26: nothing up to $18,200, then 16%, 30%, 37% and 45% on the slices above each threshold.
Medicare levy. A flat 2% of taxable income for most residents, shading in gently at lower incomes.
Low Income Tax Offset. Up to $700 comes off the tax of lower earners, phasing out by about $66,700.
Work-from-home. The fixed-rate method values every hour worked at home at $0.70 toward your deductions.
Deductions reduce your taxable income; we re-run the full assessment with and without them and show the difference. Estimates only — confirm with the ATO before lodging.
See exactly what you unlock.
Here's the rest of the builder, shown with an example taxpayer so you can see the real thing before you pay. Open any panel to take a look — these are sample figures, not yours.
Lodge-ready claim reportPremiumEvery income source and deduction, the ATO rule behind it, and where to enter each.
This is an example. Unlock to build your own from your real numbers.
Your complete income picturePremiumAll your income, offsets, Medicare and PAYG combined into one assessment.
This is an example. Unlock to build your own from your real numbers.
Dividends, capital gains & rentalPremiumGo beyond simple deductions — full panels for investment and property income.
This is an example. Unlock to build your own from your real numbers.
Questions, answered plainly
How Australian tax actually works
Four steps sit behind every refund. Once you can see them, every number on this page makes sense, and you can spot exactly where deductions do their work.
- 01
You earn income
Wages, rent, dividends, side income: everything you make through the year adds up to your assessable income.
- 02
Your employer withholds tax
Each payday your employer sends an estimate of your tax (PAYG) straight to the ATO on your behalf.
- 03
The ATO works out what you actually owe
At year end your income minus deductions sets your real tax bill, after offsets and the Medicare levy.
- 04
The difference is your refund or debt
Withheld more than you owe? That's your refund. Withheld less? You have a bill. Deductions shrink the bill.
The takeaway: a refund isn't a gift. It's your own money coming back because too much was withheld. Deductions lower the bill at step three, which grows the gap at step four.
In Australia, all income from all sources gets added together into one taxable income figure. There is no separate tax on your second job, your freelance work, or your bank interest — it all combines, then gets taxed progressively using the same tax brackets. This is both good news and bad news: good because you only have one tax calculation, bad because combining incomes can push you into a higher bracket or eliminate your expected refund.
The ATO already knows about most of it
Your employer, your bank, Centrelink, and your share registry all report your income directly to the ATO. This data pre-fills your ATO return when you lodge. But pre-fill is not always complete or correct — always check it against your own records before submitting.
Two jobs and the tax-free threshold trap
The tax-free threshold ($18,200) can only be claimed from one employer at a time. If you worked two jobs and both applied the threshold, each employer withheld less tax than they should have. The result: when your incomes combine at tax time, you will likely owe money rather than get a refund. This is one of the most common surprise tax bills in Australia.
Side income: declare it all
Income from gig platforms, freelancing, tutoring, or any side work is taxable whether or not tax was withheld at the source. The ATO receives data from Uber, Airbnb, and other sharing economy platforms directly. Under-declaring side income is one of the ATO's key compliance focus areas for 2026.
Dividends: declare both the dividend AND the franking credit
Franking credits are prepaid company tax attached to your dividends. You must declare both the dividend income and the franking credit as income on your return — which feels counterintuitive. The franking credit then becomes a tax offset that reduces your bill dollar for dollar. Skipping the franking credit means you pay more tax than you owe. Getting it wrong in the other direction can trigger a review.
Capital gains: the 12-month rule
If you sold shares, property, or crypto during 2025-26, you may have a capital gain to declare. Assets held for more than 12 months qualify for the 50% CGT discount — you only include half the gain in your taxable income. Assets held under 12 months: the full gain is included. Your main home is usually exempt, but investment properties and other assets generally are not. Capital losses can offset capital gains but cannot reduce your other income.
What combining incomes looks like in practice
- Salary $60,000 + Uber $8,000 + bank interest $400
- Combined income: $68,400
- Taxable income after deductions (say $2,000): $66,400
- Tax calculated on $66,400 as a whole using 2025-26 brackets
- Not a separate tax on each component.