Everything EOFYmate covers.

Australia adds every income source into one taxable figure. Whatever yours look like, you can estimate them for free — and enter them in full once you unlock.

• Salary & wages (one or more jobs)Free

  Your main job plus any second or third employer — combined the way the ATO does it, with the right tax on the total.

• Side hustle, freelance & gig incomeFree

  Uber, deliveries, ABN/sole-trader work, cash jobs, marketplace sales — income you declare yourself.

• Bank interestFree

  Interest from savings and term deposits, pre-filled by the ATO from late July.

• Government & Centrelink paymentsFree

  JobSeeker, Youth Allowance, parenting and other taxable Services Australia payments.

• Dividends & franking creditsPremium

  Cash dividends grossed up with their franking (imputation) credits — and the offset that often boosts your refund.

• Capital gains (shares, crypto, property)Premium

  Per-parcel gains and losses, the 50% CGT discount for assets held over 12 months, and loss carry-forward.

• Rental property incomePremium

  Rent received against interest, rates, insurance, repairs, management and depreciation — including a negatively-geared loss.

Every category below shows what it's worth, the ATO rule behind it, and where to claim it. The free estimate covers the common ones; the full builder covers them all.

• Working from homeFree

  The 70c fixed-rate method per hour worked at home.

• Car & work travel (cents per km)Free

  Work-related kilometres at 88c/km, capped at 5,000 km.

• Phone & internetFree

  Your bills apportioned to their work-use percentage.

• Tools & equipmentPremium

  Instant write-off under $300; higher-cost items handled too.

• Uniforms, protective clothing & laundryPremium

  Compulsory or occupation-specific clothing, plus laundry loads.

• Self-education & coursesPremium

  Study that connects to your current work.

• Union & professional feesPremium

  Union dues, professional memberships and subscriptions.

• Work travel & accommodationPremium

  Overnight and away-from-home work travel costs.

• Investment loan interestPremium

  Interest on loans used to buy income-producing shares.

• Rental property expensesPremium

  Interest, rates, insurance, repairs, management, depreciation.

• Charitable donationsPremium

  Gifts of $2+ to deductible gift recipients.

• Income protection insurancePremium

  Premiums for cover held outside super.

• Tax agent feesPremium

  What you paid to manage last year's tax affairs.

• Personal super contributionsPremium

  After-tax contributions you claim as a deduction.

From a rough guess to a lodge-ready return — here's what the tool actually does for you.

• Live refund estimateFree

  Slide your real numbers and watch your refund move instantly. No account, no card.

• Claim-by-occupation guideFree

  Pick your job and income to see the deductions that apply to you and a typical claim range — free. Unlock the full what-qualifies detail, records to keep and red flags.

• Smart Advisor interviewFree

  Plain-English questions, the way an accountant would ask, that flag what you might be missing.

• Side-by-side comparisonPremium

  Your refund with nothing claimed versus everything you're entitled to.

• Complete income picturePremium

  Every income source, offset, Medicare levy and PAYG combined into one assessment — exactly how the ATO works it out.

• Lodge-ready claim reportPremium

  Every income source and deduction, the ATO rule behind each, and where to enter it — take it into your ATO return or hand it to your tax agent.

• Pre-30-June tax strategiesPremium

  Personalised moves — super top-ups, private health, prepaying, donations — to make before the year ends.

• Where-to-lodge guidancePremium

  For each figure: whether the ATO pre-fills it for you, or you enter it yourself, and exactly where.

• Restore on any devicePremium

  Your access is tied to your email — no password. Get back in on any device with a one-click restore link.

EOFYmate adjusts to your circumstances — the rates, levies and offsets that actually apply to you.

• Australian residents for taxFree

  Full resident rates, tax-free threshold, Medicare levy and LITO.

• Working Holiday Makers (417/462)Free

  The separate backpacker tax scale applied to your income.

• Medicare-levy exemptFree

  Removes the 2% levy where you qualify for an exemption.

• Private health & the Medicare Levy SurchargeFree

  Whether holding hospital cover saves you the surcharge.

• Seniors & pensioners (SAPTO)Free

  The seniors and pensioners tax offset where eligible.

• Multiple jobs & changing employersFree

  Combined income taxed correctly across every employer.

• Investors & property ownersPremium

  Shares, dividends, capital gains and negatively-geared rentals.

• First-time lodgers & studentsFree

  A plain-English walk-through of your very first return.

Not just a calculator — a way to finally understand how your own tax works.

• How your tax is worked outFree

  Brackets, Medicare levy and offsets, shown step by step for 2025-26.

• 2025-26 tax brackets & ratesFree

  The current resident and working-holiday rate tables, in plain numbers.

• Income sources explainedFree

  How a side income, dividend, second job or Centrelink payment affects your return.

• In-depth tax guidesFree

  Work-from-home, deductions checklists, how to lodge, EOFY tips and more.

• Answers on what's free vs paidFree

  A straight FAQ on rates, lodging and exactly where the $15 line sits.