Taxgebra
Australian Tax Optimiser
Taxgebra Σ τ (x − y) = R

Before you start — please read

What You Are Paying For
The tax calculation engine — income tax, Medicare, MLS, LITO, franking credits, Div 293 & 296 using ATO-verified rates. This is software, like paying for a calculator or spreadsheet template.
Optimisation ideas are general information only
Recommendations are educational prompts — not personalised financial or tax advice.
Always consult a professional
Taxgebra is not a registered tax agent and does not hold an AFSL. Before acting, speak with a registered tax agent (tpb.gov.au) or licensed financial adviser (moneysmart.gov.au).
Your data never leaves your device
Saved locally in your browser. No account required. No data sent to any server.
Pricing — simple and flat
7-day free trial — no credit card required.
After 7 days: $49/year Individual · $499/year Accountant.
3 quick questions
Taxgebra will estimate your refund opportunity instantly — no documents needed yet.
What's your approximate annual income?
Under $45k
$45k – $90k
$90k – $135k
Over $135k
How do you earn income?
Employee
Sole trader
Both
Do you work from home?
Yes — most days
Sometimes
No
1
About you
Name, state, filing status, job title. Takes about 60 seconds.
2
Read your documents
Select your tax folder — Taxgebra identifies each PDF and extracts all fields automatically. Everything runs in your browser; you confirm before anything is saved.
3
Confirm your deductions
Taxgebra suggests deductions for your job. Tick what applies, enter amounts — done.
What to have ready
Have these PDFs handy — Taxgebra will scan them automatically. Don't worry if you don't have them all.
Must have — auto-fills most of your profile
Payslip or ATO Income Statement
Prior Year Notice of Assessment
Private Health Insurance Certificate
Helpful — for property & investments
Bank statement (interest earned)
Mortgage or loan statement
Super fund statement
You can add documents any time — Taxgebra fills in estimates where documents are missing.

Your estimated opportunity

Potential refund boost
$—
Answer the questions on the previous screen to see your estimate.
Estimate based on ATO averages for your income bracket. Your actual figure depends on your full profile.
See how it looks with sample data
Explore the full app with a realistic profile before entering your own details.
Dashboard
Saved
Disclaimer & Terms of Use
Taxgebra · AU Tax Optimiser · FY 2026–27
What You Are Paying For
The tax calculation engine — income tax, Medicare levy, MLS, LITO, franking credits, Division 293 & 296 — all computed using ATO-verified rates and thresholds. This is software, like paying for a calculator or spreadsheet template. You are not purchasing financial advice.
General Information Only — Not Financial or Tax Advice
Tax calculations are paid software. Optimisation ideas are free and educational. All recommendations, strategy prompts, and estimates shown in this tool are general information only — they are not personalised financial advice, tax advice, or legal advice under any applicable law.

Taxgebra does not take into account your individual objectives, financial situation, or needs. Results may vary based on your personal circumstances.
Always Consult a Registered Professional
Always consult a registered tax agent or licensed financial adviser before acting on any information shown in this tool. Taxgebra is not a registered tax agent and does not hold an Australian Financial Services Licence (AFSL).

Find a registered tax agent at tpb.gov.au · Find a licensed financial adviser at moneysmart.gov.au
Your Data Never Leaves Your Device
All data is saved locally in your browser using localStorage. No account is required. No data is sent to any server. You can export your data at any time from the Export menu.
Pricing — Simple and Flat
7-day free trial — no credit card required.
After trial: $49/year Individual  ·  $499/year Accountant.

ATO rates and thresholds are current as of July 2026 and updated with each ATO release.
By clicking "I Agree" you confirm that:
  • You have read and understood this disclaimer
  • You understand this tool provides general information, not professional advice
  • You will consult a registered professional before acting on any information
Taxgebra · ABN shown on invoice · © 2024–2026 ·
Actual Forecast
No data yet

Add monthly actuals to see your real forecast
Based on what you've actually earned & paid
Estimated Tax Savings Available
$0
FY 2026–27 · — days remaining to act
Marginal Rate
—
Est. Tax Bill
—
Super Cap Used
—
Super Cap Left
$—
of $30k cap · $0 used
Potential Saving
$—
via salary sacrifice
What to do next
Estimates only · Not financial advice · Consult a registered tax agent before acting
About You
Step 1 of 3 — Takes about 60 seconds
Your Details
This is all we ask before reading your documents
Standard Australian resident tax rates apply
Read Your Documents
Step 2 of 3 — Taxgebra reads your documents so you don't have to enter everything manually
📂
Now let's read your documents
Select your Downloads or tax folder — Taxgebra's built-in parser scans your PDFs, identifies each document, and pre-fills your profile. Everything runs in your browser. Your data goes nowhere.
Your files never leave your device — everything is read directly in your browser.
Document Coverage
Step 2b of 3 — Verifying your document coverage for the financial year
Your Deductions
Step 3 of 3 — Stage 1: Confirm what you can claim
🤖
Finding deductions for your role…
This takes a few seconds
Property & Investments
Step 3 of 3 — Stage 2: Do you have any of these?
Adding these now means Taxgebra can calculate your net position, negative gearing benefits and CGT position automatically.
Your Taxgebra profile is ready
Step 3 of 3 — Stage 3: Here's what we know about your tax position
All your strategies, ranked by saving · Personalised to your profile
1
Income
2
Household
3
Deductions
4
SMSF
5
Investments
6
Other Inc.
7
Property
Income & Tax
Salary and employment income — FY 2026–27
Personal Details
Standard Australian resident tax rates apply
Income
2
Household
3
Deductions
4
SMSF
5
Investments
6
Other Inc.
7
Property
Household
Spouse details affect MLS family threshold and tax offsets
Household Setup
Income
Household
3
Deductions
4
SMSF
5
Investments
6
Other Inc.
7
Property
Deductions
Work-related expenses that reduce your taxable income
Salary Packaging
Pre-tax benefits that reduce your assessable income
$
$
$
$
Car Expenses
Add a receipt to link it to your deductions and track against active strategies.
Total Deductions
Enter your amounts then tap Estimate
$0
Income
Household
Deductions
4
SMSF
5
Investments
6
Other Inc.
7
Property
Super
Contributions, caps and carry-forward — FY 2026-27
What type of super fund do you have?
Most Australians have an industry or retail fund (AustralianSuper, Hostplus, REST etc.)
Contributions This Year
$
$
$
$
Super tax rate drops to 15% from 1 July 2026 (14% from 2027) — already legislated.
Income
Household
Deductions
SMSF
5
Investments
6
Other Inc.
7
Property
Share Investments
Personal portfolio outside SMSF
No share holdings added
Add your ASX shares and ETFs to track capital gains, franking credits and tax loss harvesting opportunities. Each holding takes about 30 seconds to add.
Unrealised Gains
$0
Annual Dividends
$0
Franking: $0
Income
Household
Deductions
SMSF
Investments
6
Other Inc.
7
Property
Other Income
Bank interest and other income sources
Bank Interest
Other Income
e.g. freelance, consulting, rental from a room, Airbnb
Profile complete
See your personalised tax optimisation plan — strategies ranked by saving for your situation.
Income
Household
Deductions
SMSF
Investments
Other Inc.
7
Property
Investment Property
Optional · Add if you own investment properties
Profile complete
See your personalised tax optimisation plan — strategies ranked by saving for your situation.
Tax Optimiser
Strategies for your situation — FY 2026–27
Bracket Drop
Push into a lower tax bracket — what it takes and what you save
Scenarios — Your Tax Position
ScenarioTaxable IncomeIncome TaxMedicareTotal TaxTake-HomeSaving
Progress to Threshold
$0 selectedGap: $—
Selected: $0 Target: $—
A
Plan A — Close the Gap
Ranked by impact — strategies to reach your bracket threshold
▼
Estimates only · Not financial advice · Consult a registered tax agent before acting
Living Forecast
FY 2026–27 · Actual ↔ Forecast · Jul–Jun
Financial Year Position
—
—
YTD Tax
$—
Full Year Est.
$—
Opportunity Left
$—
Actual (time elapsed)
Current month
Forecast (projected)
Estimates only · Not financial advice · Consult a registered tax agent before acting
Enter your super balance and contributions in the Super screen to see your cap tracker.
Sandbox Model
Model investment scenarios · see tax impact across 10 years · nothing touches your real forecast
Sandbox only — none of these numbers affect your tax forecast. Experiment freely.
Projection Assumptions (edit to customise)
%
%
%
%
%
%
Prior Years
Use "Close FY" at 30 June to archive this year.
Smart Read
Select a month · drop your documents · Taxgebra reads and recalibrates your forecast
—
—
—
Financial year · July 2026 – June 2027
Actual
This month
Forecast
After this update — revised forecast
—
Tax savings available
—
Days until 30 June
—
Active strategies
Documents
Does this receipt relate to an active strategy?
Files are read locally in your browser — nothing is uploaded
General information only — not financial or tax advice. Tax calculations are paid software. Optimisation ideas are free and educational. Always consult a registered tax agent or licensed financial adviser before acting.