{"id":683,"date":"2023-05-12T16:15:20","date_gmt":"2023-05-12T06:15:20","guid":{"rendered":"https:\/\/studiokettle.com.au\/wip\/living-costs\/?page_id=683"},"modified":"2023-06-06T14:22:46","modified_gmt":"2023-06-06T04:22:46","slug":"tax","status":"publish","type":"page","link":"https:\/\/studiokettle.com.au\/wip\/living-costs\/tax\/","title":{"rendered":"The tax system and you"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Understanding income tax and support during tax time.<\/p>\n\n\n\n<div class=\"LC_jump\">\n    <p class=\"LC_actions\">\n        <a class=\"LC_btn LC_fav\"><\/a><a class=\"LC_btn LC_read\"><\/a>\n    <\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The primary form of taxation in Australia is income tax, which is applied to any income you earn including wages, returns on investments, Centrelink payments, and any business earnings.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While most people must pay taxes, many of us do not understand how it works, the processes by which we can reduce our tax bill, or how to manage tax debt. So to help you get on top of your tax time obligations, we\u2019ve compiled some information, resources, tools to help you out, and links to support in case things go wrong.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"940\" height=\"940\" src=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/wp-content\/uploads\/Investing_v002.png\" alt=\"Woman holding a watering can over a plant growing out of a bottle cap. The plant has 2 dollar coin flowers\" class=\"wp-image-33\" srcset=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/wp-content\/uploads\/Investing_v002.png 940w, https:\/\/studiokettle.com.au\/wip\/living-costs\/wp-content\/uploads\/Investing_v002-300x300.png 300w, https:\/\/studiokettle.com.au\/wip\/living-costs\/wp-content\/uploads\/Investing_v002-150x150.png 150w, https:\/\/studiokettle.com.au\/wip\/living-costs\/wp-content\/uploads\/Investing_v002-768x768.png 768w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">What does tax pay for?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Taxation plays a vital role in our community. Through money raised in taxes, governments are able to pay for everything that governments do. This includes infrastructure building, services like healthcare and schools, funding for institutions like art galleries, public broadcasting, government payments like Jobseeker, national defence, and more. Without taxation, Australia could not function as a society.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Types of tax&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before you keep reading. There are many different kinds of tax and this article is focused on income tax only. So if you\u2019re here to learn more about something else, start at the links below.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><a href=\"https:\/\/www.ato.gov.au\/Business\/GST\/\">Goods and Services Tax (GST)<\/a><\/td><td>paid by everyone on the purchase of most products and services<\/td><\/tr><tr><td><a href=\"https:\/\/www.ato.gov.au\/Calculators-and-tools\/Capital-gains-tax-property-exemption-tool\/\">Capital Gains Tax<\/a><\/td><td>for the sale of large assets<\/td><\/tr><tr><td><a href=\"https:\/\/www.ato.gov.au\/Calculators-and-tools\/Medicare-levy\/\">Medicare Levy<\/a><\/td><td>pays for the Medicare public health insurance scheme<\/td><\/tr><tr><td>Land Tax<\/td><td>paid to state and territory governments by people who own property<\/td><\/tr><tr><td>Stamp Duty<\/td><td>paid to state and territory governments on the sale of property like houses or cars<\/td><\/tr><tr><td><a href=\"https:\/\/www.ato.gov.au\/Business\/\">Businesses<\/a><\/td><td>like Company Tax, Payroll Tax, and Fringe Benefits Tax<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Income tax basics<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When you earn money, you must pay a part to the government as income tax. So that\u2019s earning from work, interest on investments, government payments, superannuation, or foreign payments.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who pays your taxes to the government?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In Australia, your income tax is usually paid on your behalf <a href=\"https:\/\/docs.google.com\/document\/d\/1NRZFroFWvFnB2tTxHso4B7nIbQ3FI5qG\/edit#heading=h.z337ya\">by your employer<\/a> before your pay is transferred to you. If you\u2019re <a href=\"https:\/\/docs.google.com\/document\/d\/1NRZFroFWvFnB2tTxHso4B7nIbQ3FI5qG\/edit#heading=h.3j2qqm3\">self-employed<\/a>, it\u2019s up to you to set aside money for income tax.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What does it cost?&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The amount of income tax you pay is based on the amount of money you earn. Under a certain amount of income, you don\u2019t have to pay any tax.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How you pay income tax<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">All <a href=\"https:\/\/www.ato.gov.au\/Individuals\/coming-to-australia-or-going-overseas\/Your-tax-residency\/Australian-resident-for-tax-purposes\/\">residents of Australia for tax purposes<\/a> who earn over $18,200 a year (known as the tax-free threshold) pay income tax. This isn\u2019t just on wages, but all other forms of <a href=\"http:\/\/nolinkprovided\">income<\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You\u2019ll need a Tax File Number to pay your taxes. This is a personal reference number that identifies you for taxation purposes. You can <a href=\"https:\/\/www.ato.gov.au\/Individuals\/Tax-file-number\/Apply-for-a-TFN\/\">apply for a TFN<\/a> for free.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Your tax rate&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You can generally only claim the tax-free threshold from one employer. The government sets the <a href=\"https:\/\/www.ato.gov.au\/rates\/individual-income-tax-rates\/\">income tax rate <\/a>and the tax-free threshold. This is generally done to the principle that people who earn more, pay more.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Visit the <a href=\"https:\/\/www.ato.gov.au\/rates\/individual-income-tax-rates\/\">Australian Taxation Office (ATO)<\/a> to find the current income tax rates and planned future rates.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Employees, freelancers and who does what<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The nature of your work dictates how your taxes are collected.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Permanent and casual employees<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re employed in full-time, part-time, or casual work, your employer should pay your income tax for you out of your pay. This is called \u2018pay as you go\u2019, abbreviated to \u2018PAYG\u2019.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You may have also heard of \u2018tax withholding\u2019. Your employer should make a calculation of how much you should pay in tax based on your income. This will be set up when you start employment by filing out a tax file number declaration form.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Freelancers and everyone else<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">For the people who don\u2019t have an employer \u2013&nbsp; <a href=\"https:\/\/moneysmart.gov.au\/self-employment\">self-employed<\/a>, freelancing, contracted, or working in the gig economy \u2013&nbsp;you need to set aside the funds yourself as the money comes in from your customers. You might want to have a savings account specifically for this purpose and nothing else.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Filing a tax return<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Each year at \u2018tax time\u2019, people who earn income and pay tax are expected to file or \u2018lodge\u2019 a tax return for the previous financial year, even if they haven\u2019t paid tax during that time. This occurs each year from 1 July \u2013 31 October.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is a tax return?&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A \u2018tax return\u2019 is a way of declaring what you\u2019ve earned for the year, how much tax you paid, and any costs you incurred that you think could be deducted from your tax bill. See <a href=\"https:\/\/www.ato.gov.au\/Individuals\/Your-tax-return\/Before-you-prepare-your-tax-return\/Work-out-if-you-need-to-lodge-a-tax-return\/\">how to work out <\/a>if you need to lodge a tax return.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Where to lodge your tax return<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You can submit a return yourself via <a href=\"https:\/\/my.gov.au\/LoginServices\/main\/login?execution=e3s1\">My Gov<\/a> or get help from an <a href=\"https:\/\/moneysmart.gov.au\/choosing-an-accountant\">accredited accountant<\/a>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How your tax is calculated<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When the tax office receives your tax return, they assess how much tax you should have paid through the year and how much was paid by your employer. Based on this calculation and any deductions you make, you are either refunded for excess tax that you paid or <a href=\"http:\/\/nolinkprovided\">billed<\/a> for tax that you owe on top of what you paid.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Visit Moneysmart for details on <a href=\"https:\/\/moneysmart.gov.au\/income-tax\/lodging-a-tax-return\">lodging a tax return<\/a> and how to claim for reductions in your tax bill.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Reducing your tax bill<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Even for people paying a modest amount of tax, receiving a tax bill can sometimes be quite a financial shock. Especially if you\u2019ve just started paying any HELP Loan debt or a trade loan, or you\u2019re self-employed and must pay your tax in one go. The good news is that there are some simple ways to reduce the amount of tax you pay.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Learn the ATO\u2019s rules&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.ato.gov.au\/Individuals\/Income-and-deductions\/Deductions-you-can-claim\/\">Claiming deductible expenses in your tax return<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.ato.gov.au\/Individuals\/Jobs-and-employment-types\/Working-as-an-employee\/Salary-sacrificing-for-employees\/\">Salary sacrificing<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.ato.gov.au\/individuals\/income-and-deductions\/offsets-and-rebates\/super-related-tax-offsets\/\">Spousal super contributions<\/a>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.ato.gov.au\/individuals\/income-and-deductions\/deductions-you-can-claim\/other-deductions\/gifts-and-donations\/\">Charitable donations&nbsp;<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.ato.gov.au\/individuals\/super\/in-detail\/growing-your-super\/claiming-deductions-for-personal-super-contributions\/\">Personal contributions to super<\/a> (especially if you\u2019re self-employed)&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Keep good records<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Taking exact financial records will help you ensure you never miss a deduction. It also comes in handy if you\u2019re ever audited.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Get expert help<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Accountants are professionals who can help you to navigate the confusion of tax time, though it\u2019s important to know <a href=\"https:\/\/moneysmart.gov.au\/choosing-an-accountant\">how much the service will cost<\/a> before committing.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Useful ATO resources<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Free tax help<\/strong><\/td><td colspan=\"2\">This <a href=\"https:\/\/www.ato.gov.au\/Individuals\/Your-tax-return\/Help-and-support-to-lodge-your-tax-return\/Tax-Help-program\/?=redirected_taxhelpprogram\">free tax help program<\/a> by the Australian Tax Office (ATO) helps people who earn $60,000 or less to lodge a tax return.<br><br>The ATO also produces information in a <a href=\"https:\/\/www.ato.gov.au\/general\/other-languages\/\">variety of community languages<\/a>.<\/td><\/tr><tr><td><strong>Lost or stolen Tax File Number<\/strong><\/td><td colspan=\"2\">If you think your Tax File Number has been stolen or you have lost any records of it, <a href=\"https:\/\/www.ato.gov.au\/Individuals\/Tax-file-number\/Lost-or-stolen-TFN\/?anchor=IfyouthinkyourTFNhasbeenstolen#IfyouthinkyourTFNhasbeenstolen\">report it to the ATO<\/a>.&nbsp;<\/td><\/tr><tr><td><strong>Tax debt<\/strong><\/td><td colspan=\"2\"><a href=\"https:\/\/ndh.org.au\/debt-problems\/tax-debts\/\">Dealing with tax debts<\/a> \u2013&nbsp;National Debt Helpline<br><a href=\"https:\/\/www.ato.gov.au\/general\/paying-the-ato\/help-with-paying\/\">Help paying tax debts<\/a> \u2013 ATO resource for payment plans and deferring payments<br><a href=\"https:\/\/www.ato.gov.au\/General\/Support-to-lodge-and-pay\/In-detail\/Release-from-your-tax-debt\/\">Removing your debt<\/a> \u2013 the ATO can \u2018release\u2019 debt in some circumstances of financial hardship<br><a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/loans-and-debts\/\">Loans and debt<\/a> \u2013&nbsp;see our resources for getting on top of debt<\/td><\/tr><tr><td><strong>Complaints about the ATO<\/strong><\/td><td colspan=\"2\">Your first step is to follow their <a href=\"https:\/\/www.ato.gov.au\/General\/Dispute-or-object-to-an-ATO-decision\/\">complaints procedure<\/a>, whether you need to dispute a decision the ATO has made or feel you\u2019ve been treated unfairly.<br><br>If that doesn\u2019t work, you can appeal the decision through the <a href=\"https:\/\/www.aat.gov.au\/\">Administrative Appeals Tribunal (AAT<\/a>).<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"LC_asterisks\">\n<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>This information was last updated on 5 June 2023<\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>The links and resources in this article have been compiled and reviewed by the Brotherhood of St. Laurence. We aren\u2019t responsible for what you\u2019ll find at the links, though we do hope you find the information useful. See our <a href=\"http:\/\/link_disclosures\">disclaimer<\/a> if you\u2019d like to know more.\u00a0\u00a0<\/em><\/p>\n\n\n\n<p class=\"LC_asterisks\">\n<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Want to save this article as a PDF? <\/strong><a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/how-to-save-a-pdf-of-a-web-page\/\" target=\"_blank\" rel=\"noreferrer noopener\">See how to here<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#x1f4cc; See more:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/income\/\">Income and employment basics<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/starting-your-first-job\/\"><strong>Starting your first job<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Understanding income tax and support during tax time.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-683","page","type-page","status-publish","hentry","category-article"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The tax system and you - LIVING COSTS<\/title>\n<meta name=\"description\" content=\"Understanding income tax and support during tax time.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The tax system and you - LIVING COSTS\" \/>\n<meta property=\"og:description\" content=\"Understanding income tax and support during tax time.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/tax\/\" \/>\n<meta property=\"og:site_name\" content=\"LIVING COSTS\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-06T04:22:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/wp-content\/uploads\/LC_1200x630_FBgrowth.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"The tax system and you - LIVING COSTS\" \/>\n<meta name=\"twitter:description\" content=\"Understanding income tax and support during tax time.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/wp-content\/uploads\/LC_1024x512_TWgrowth.png\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/studiokettle.com.au\\\/wip\\\/living-costs\\\/tax\\\/\",\"url\":\"https:\\\/\\\/studiokettle.com.au\\\/wip\\\/living-costs\\\/tax\\\/\",\"name\":\"The tax system and you - LIVING COSTS\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/studiokettle.com.au\\\/wip\\\/living-costs\\\/#website\"},\"datePublished\":\"2023-05-12T06:15:20+00:00\",\"dateModified\":\"2023-06-06T04:22:46+00:00\",\"description\":\"Understanding income tax and support during tax time.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/studiokettle.com.au\\\/wip\\\/living-costs\\\/tax\\\/#breadcrumb\"},\"inLanguage\":\"en-AU\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/studiokettle.com.au\\\/wip\\\/living-costs\\\/tax\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/studiokettle.com.au\\\/wip\\\/living-costs\\\/tax\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/studiokettle.com.au\\\/wip\\\/living-costs\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The tax system and you\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/studiokettle.com.au\\\/wip\\\/living-costs\\\/#website\",\"url\":\"https:\\\/\\\/studiokettle.com.au\\\/wip\\\/living-costs\\\/\",\"name\":\"LIVING COSTS\",\"description\":\"Support for life&#039;s ups &amp; 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