A course for Australians · plain English · real numbers
The tax system is full of wealth-building tools. Learn to use the best ones.
The government rewards building wealth with real, legal incentives — claiming expenses against your salary, buying shares in your employer with pre-tax pay, super at 15%, franking-credit refunds, negative gearing. This course shows you the most effective tools available and exactly how to use each one, with a calculator on your own numbers.
Free to start · learn at your own pace · a course, not advice
Small moves, repeated, become wealth
One deduction won't change your life. But using these incentives every year — and redirecting the tax you save into super, shares or property — is how an ordinary salary turns into real wealth over a decade. The course teaches the move; the calculators show what it's worth over time. No hype: we always show the real cost and the real risk first.
The one idea behind most of these tools
Most of these tools are the same move — put your money to work before tax takes its cut, or claim a cost against your income at your tax rate. The government rewards it on purpose, to get people investing, saving and building. It starts small and scales all the way up — learn it once, use it everywhere.
A $300 work tool
claimed against your salary
Super at 15%
instead of your marginal rate
A geared property
the loss against your salary
And the honest part we never skip: an incentive gives back your tax rate, not 100%. Claim $2,000 at 32% → ~$640 back. We always show the real number.
What you'll learn
5 topics · 16 lessons
In the order your money flows — income first, then each asset, then how to stack them.
Every lesson is free — no signup, no paywall.
Foundations
the mindset, your numbers and the leaks to plug
1
How to use incentives to build wealth
The mindset: incentives, your marginal rate, keep-more-then-compound, honesty.
Open this lesson
2
Your real tax position
Brackets, Medicare, your take-home and marginal rate — the number behind every decision.
Open this lesson
3
Private health & the Medicare Levy Surcharge
Over the income threshold with no hospital cover? You may be paying a surcharge for nothing — and a basic policy can cost less.
Open this lesson
4
Claim expenses against your salary
How a deduction lowers your taxable income: work tools, WFH, car, self-education, income protection.
Open this lesson
Superannuation
your biggest tax-advantaged engine
5
How much do you need to retire?
Turn your balance into income — how much you'll need (inflation-adjusted), and why it's tax-free from 60.
Open this lesson Unlock with the course
6
Super — the 15% lever
Salary-sacrifice at 15% not your marginal rate; carry-forward, spouse & co-contributions, Div 293.
Open this lesson Unlock with the course
7
First Home Super Saver
Save your first-home deposit inside super at 15%, not your marginal rate — then withdraw it to buy.
Open this lesson Unlock with the course
8
Super fees — the silent drag
A low-cost index option (e.g. Hostplus Indexed Balanced) can keep six figures over a career.
Open this lesson Unlock with the course
Cars
the big purchase that loses value — and how to fund one
9
The true cost of a car
A car is the rare big buy that only loses value — see what depreciation costs vs investing the same money.
Open this lesson Unlock with the course
10
Salary packaging & the electric-car novated lease
Pay for an electric car and its running costs from pre-tax salary — the fringe-benefits-tax exemption makes it one of the strongest levers going.
Open this lesson Unlock with the course
Wealth building
shares, property & whose name holds it
11
Shares & franking
Buy shares in your employer with pre-tax pay (ESS) — often discounted or partly tax-free; plus franking-credit refunds, who should hold income assets, the CGT discount and timing, and geared shares.
Open this lesson Unlock with the course
12
Bonus shares that vest
Stock bonuses are taxed at their value on the vesting day, at your marginal rate — even if you don't sell. Plus the interest if you don't pay that year.
Open this lesson Unlock with the course
13
Property & negative gearing
The honest version — real monthly cost, depreciation clawback, and why the wealth is growth, not the refund.
Open this lesson Unlock with the course
14
Couples & income splitting
Two people, two sets of brackets. Hold investments in the right name and the same income is taxed far less.
Open this lesson Unlock with the course
15
Big decisions
Pay down the mortgage or invest? Debt recycling, offset vs redraw.
Open this lesson Unlock with the course
Put it all together
stack every move in a high-income year
16
Put it all together
The "Big Year" — stacking incentives in a high-income year; structures & trusts (advanced).
Open this lesson Unlock with the course
How every lesson works
Six short beats — the last one is always a calculator on your own numbers.
The idea — what it is and why it exists, in plain English.
Who it's for — honest eligibility; we tell you when it doesn't apply to you.
The worked example — one set of real numbers, start to finish.
Try it on your numbers — the calculator. The engine does the maths, never the AI.
The honest caveats — the risk, the records, what it doesn't do.
How to action it — the concrete next step (or "take this to your accountant").
Like the course? Buy me a coffee ☕
The whole course is free, and stays that way. If it saved you money or taught you something useful, you can shout me a coffee — it helps keep the lessons free, accurate and up to date. Totally optional; nothing locks either way.
Buy me a coffee
Every number from a precise engine — never guessed by AI
We always show the real cost, never just the upside
Current to this financial year, updated as laws change
Built to compound — small moves, used every year
Start with the move everyone can use.
Claim expenses against your salary — a free lesson, with a calculator on your own numbers.
Open this lesson
TaxAlly is an educational course providing general information, not personal financial or tax advice. Always confirm your own situation with a registered tax agent before acting. Figures are estimates.