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Taxgebra
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Australian Tax Optimiser · FY 2026–27

You got $3,052 back.
You left more on the counter.

13.2 million Australians lodge their tax every year. Most receive a refund. Almost none know how much more they were entitled to — or that every strategy to change it closed on 30 June, months before they opened myGov.

Taxgebra tracks your financial year like a living P&L. Actuals confirmed monthly. Forecast updated continuously. 63 strategies ranked for your exact situation — all year, not just in July.

$49
Tax-deductible subscription.
At a 37% marginal rate it costs you $30.87.
Before you find a single strategy.

Sign in with Google · Works fully offline · ATO rates FY 2026–27

Personal Tax P&L
Sarah Mitchell · Sydney
FY 2026–27
Income
Salary (annualised)$98,000
Rental income$18,600
Franking credits+$1,240
Deductions Applied
Home office · 4 hrs/wk−$1,344
Negative gearing−$3,200
Salary sacrifice (super)−$5,000
IP premium · outside super−$1,800
Taxable income$105,456
Strategies available
Carry forward super caps$8,400 cap room
PAYG variation eligibleApply now
Additional strategies60+ ranked
Estimated tax saving $4,218
FY Progress · Jul 2026 → Jun 2027
JUL
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MAR
APR
MAY
JUN
Actuals confirmed
You are here
Forecast
Gold Standard Privacy

Your finances.
Nobody else's business.

Your salary. Your SMSF balance. Your investment properties. Your family income. The most sensitive financial details of your life — and they never leave your device.

Most financial apps store your data in the cloud and protect it with policies. Taxgebra protects yours with architecture. There is no server. There is nothing to breach.

🔒
On-device only — architectural guarantee
Every calculation runs in your browser. Your data is never transmitted, never stored on our servers, never accessible to us. This is not a privacy policy that could change with management — it's how the product is built.
Architectural · Not a policy
📴
Works fully offline
Once set up, Taxgebra requires no internet connection. No API calls. No external data requests. Your financial year tracked entirely on your own device, entirely under your control.
Zero network calls to our servers
🏦
The standard Australian financial data deserves
We built Taxgebra with one principle: your financial data should be treated with the same care you'd expect from your bank — but without your bank being able to see it.
Gold standard · FY 2026–27
The opportunity
View the full ATO data →

The numbers every
Australian should know.

$3,052
Average ATO refund · FY 2023–24 ★
Full-year figure. $35.8B returned to 11.74M Australians. Source: ATO Table 1A, ts24individual01byyear.xlsx. Not the $2,548 early-season estimate.
89.2%
PAYG earners receiving a refund · FY 2023–24
Down from 99.4% in FY2013–14. Over 1 million Australians now owe tax in July. Most had no warning it was coming.
30 June
The only deadline that matters
Salary sacrifice, super top-ups, carry-forward caps, PAYG variation — every strategy closes 30 June. By July it is too late to change the outcome.
THE DEDUCTION GAP
Median deductions: $971. Average: $3,565.
Half of all Australian lodgers claim under $971 in total deductions — a $2,594 gap from the average. The ATO's own audit data confirms $12.5 billion goes uncollected annually. 94% of salary earners never used personal super contributions in FY2023–24, leaving an average $5,610 saving at 30% untouched.
THE TIMING PROBLEM
Every strategy has a 30 June deadline.
Salary sacrifice must be set up before payroll cutoff — often May. Super contributions must land in the fund by 30 June. Carry-forward caps expire permanently after five years. By the time you lodge in July and collect your $3,052, every window to increase it has already closed.
THE WARNING GAP
1 in 10 Australians now owe tax in July.
In FY2013–14, 99.4% of salary earners received a refund. In FY2023–24: 89.2% — a 10 percentage point structural drop over 10 years. 942,000 fewer Australians received refunds than at the peak. Most had no warning. Year-round tracking is the only way to know your position before July arrives.
The name explained

Tax + Algebra.
Solving for R.

Algebra is the discipline of finding an unknown. In school it was x. In tax, the unknown is R — your refund. Most Australians accept whatever R the ATO calculates. Taxgebra treats it as a variable to be solved.

Σ
Sigma — Sum
Every income source, deduction, and offset — salary, investment income, super contributions, work expenses — added together into a single picture of your year.
·
τ
Tau — Tax rate
Your effective rate — the percentage of taxable income the ATO keeps. The rate is fixed by law, but the income it applies to is not. That gap is where strategy lives.
·
(x − y)
The gap — Income minus deductions
x is your gross income. y is every deduction you're entitled to. The difference is what gets taxed. Increase y — legitimately, completely — and you reduce what the ATO calculates against.
=
R
R — Your refund
The unknown we're solving for. Not a fixed number the ATO hands you — a result that changes with every deduction found, every strategy applied, every contribution optimised.

"Most people let R be whatever arrives in their myGov inbox in July. We solve for the maximum."

63 strategies · All year, not just July · ATO-published rates

Who it's for

Built for every Australian
who lodges a return.

Everyday Australians

Salary. Mortgage.
Kids. Working from home.

You're not a sophisticated investor. You just want to make sure you're getting everything you're legitimately owed — without paying an accountant for a one-hour conversation about home office deductions.

  • Home office deduction at 70c/hr — most people underclaim
  • Private health insurance vs Medicare Levy Surcharge comparison
  • Salary sacrifice opportunity shown against your concessional cap
  • Income protection — inside or outside super — tax impact shown
  • Carry-forward super caps — you may have more than you think
Professionals & Investors

SMSF. Properties.
Investments. Shares.

Your tax position has multiple moving parts. You need the full picture — bracket position, super caps, negative gearing, franking credits — all modelled together, all year, not just at lodgement.

  • Bracket Drop Engine — 60+ strategies ranked by dollar saving at your income
  • Dual bracket targets — immediate drop and stretch goal modelled side by side
  • SMSF concessional and non-concessional caps with carry-forward history
  • Property negative gearing, depreciation and PAYG variation eligibility
  • 10-year sandbox — model salary sacrifice, property and super across a decade
Real numbers

Three Australians who got their refund.
And still left money behind.

Each received close to the average refund. Each had specific, calculable, fully legitimate amounts they didn't know to claim — or found out too late to act on.

Sarah
Teacher · $85,000 salary · WFH 3 days/week
Home office — no records kept$806 missed
Union fees — forgot to claim$800 missed
Professional development$600 missed
Left on the counter
At 30% marginal rate
$662
David
IT Manager · $135,000 salary · No property
Salary sacrifice — never set up$12,000 deduction
Carry-forward cap (3 yrs unused)$50,000+ available
Happens every single yearCompounding
Left on the counter
Annual, at 37% rate
$4,440
Maria
Marketing Manager · $94,000 · Investment property
Depreciation report — never commissioned$6,500 deduction
PAYG variation not applied$1,920 cash flow
Negative gearing — partial only$1,200 missed
Left on the counter
At 30% marginal rate
$2,310
These are not outliers. Sarah, David and Maria represent the 7.2 million Australians earning $45K–$120K — Taxgebra's primary audience. Median super balance in this bracket: $69,989, meaning most are under the $500K TSB threshold and carry-forward eligible. Every dollar in these tables is a legitimate entitlement. All of it has a 30 June deadline.
The Taxgebra difference

Your tax year tracked
like a CFO tracks P&L.

Companies don't discover their financial position in July. They track profit and loss every month — actuals confirmed, forecast recalibrated, strategy adjusted. Taxgebra applies that discipline to your personal tax.

Phase 1
July – October
Actuals confirmed

Upload each month's payslip. Income actuals confirmed. Tax withheld, super contributions, salary sacrifice — all locked in against real documents. Your year-end forecast narrows with every month of data.

4 months confirmed ✓
Forecast accuracy: high
Phase 2
Now — November
You are here

With 4 months of actuals, your full-year position is projected with precision. Strategies are re-ranked by impact. The bracket gap is calculated. The clock to 30 June is visible.

$4,218 saving identified
8 months remaining to act
Phase 3
December – June
Forecast & action

Every strategy you act on — salary sacrifice, PAYG variation, super top-up — updates the forecast in real time. 30 June arrives without surprises. July is confirmation, not discovery.

No surprises in July →
Lodge with confidence
Without Taxgebra
✗ Find out tax position in July — decisions already made
✗ Miss salary sacrifice window — payroll cutoff passed
✗ Don't know bracket gap — no plan to close it
✗ Carry-forward caps expire unclaimed
✗ Generic accountant advice — not your numbers
With Taxgebra
✓ Tax position tracked every month — actuals confirmed
✓ Salary sacrifice modelled in real time with slider
✓ Bracket gap calculated to the dollar — dual targets
✓ Carry-forward caps identified and sized automatically
✓ 60+ strategies ranked for your income and situation
What's included

Everything your accountant
wishes you knew before you called.

P · L
Personal Tax P&L

A living profit and loss view of your financial year. Income, deductions, super, property — all in one place, updated monthly as documents arrive. Actuals in green. Forecast in amber.

Core feature
B · D
Bracket Drop Engine

60+ legal strategies ranked by dollar saving at your income. Two targets: immediate bracket drop and stretch goal. The bracket bonus calculated — the saving on existing income when you cross the threshold.

Core feature
D · R
Smart Document Reader

Drop in your payslip, ATO income statement or SMSF report. Taxgebra reads the fields and pre-fills your profile — no manual entry, no errors. Entirely on your device.

Smart
10 · Y
10-Year Sandbox

Model investment property, salary sacrifice increases, super top-ups and share portfolios across 10 financial years side by side. See the long-term tax impact before you commit.

New
C · S
Couple & SMSF Mode

Combined household income, MLS thresholds, spouse super offset, contribution splitting. SMSF balance, concessional caps and carry-forward history tracked for both members.

Core feature
ARC
Architectural Privacy

Every calculation in your browser. Your data never reaches our servers — not transmitted, not stored, not accessible. This isn't a policy. It's the architecture. There is no backend to breach.

Gold standard
Real users

Australians who stopped
leaving money behind.

"I work from home three days a week and had a rental property. I thought I had it covered. Taxgebra showed me four strategies I wasn't using — including $8,000 in carry-forward super caps. I had no idea those existed."

Marketing manager · Perth
Income $94,000 · 1 investment property

"I own three properties and an SMSF. My accountant is good but we only talk in June. Taxgebra gave me the numbers in September. I'd already acted on two strategies before my accountant even knew the year had started."

Property investor · Melbourne
SMSF balance $1.2M · 3 properties

"The $49 pays for itself the moment you open it. I found $340 in home office deductions I was missing in the first 10 minutes. And I earn $85,000 — I'm not some high-flying investor. It's just for anyone who wants their money back."

Teacher · Brisbane
Income $85,000 · 2 children
Pricing

One price.
Everything included.

No tiers. No feature gating. No surprises.

Launch offer · Limited time
Individual · Annual
$49/year
Regular price $99/year
This subscription is tax-deductible
At 30% marginal rateEffective cost $34.30/yr · $2.86/mo
At 37% marginal rateEffective cost $30.87/yr · $2.57/mo
At 45% marginal rateEffective cost $26.95/yr · $2.25/mo
As a work-related or investment management expense — confirm eligibility with your tax agent. The product pays for itself before you find a single strategy.
  • Personal Tax P&L — full financial year tracker with actuals & forecast
  • Bracket Drop Engine — 60+ strategies ranked for your situation
  • Smart Document Reader — payslips, ATO statements, SMSF reports
  • 10-Year Sandbox scenario modelling
  • Couple & SMSF mode — unlimited profiles
  • Works fully offline — no internet required after setup
  • ATO rate updates every financial year

Includes GST · Cancel any time · Sign in with Google

ATO full-year data (FY2023–24) puts the average refund at $3,052 — $35.8B returned to 11.74M Australians. Taxgebra finds the strategies that make it more. Finding a single year's unused carry-forward super cap saves $5,610 at 30%. That's 114× the subscription cost.
Common questions

What you need
to know.

Yes — architecturally guaranteed. Every calculation runs in your browser. Your salary, your SMSF balance, your property details — none of it is ever transmitted to our servers. We don't store it. We can't access it. This is not a privacy policy that could change. It is a technical fact about how the product is built. There is no database containing your financial information.
Yes, in most cases. Taxgebra is a software tool used to manage and optimise your tax and investment position — making it deductible as a work-related expense or investment management cost for most users. At a 37% marginal rate, the effective cost after deduction is $30.87. Confirm your specific eligibility with your registered tax agent.
No. Taxgebra is tax software — an accurate calculator built on ATO-published rates. The strategies it surfaces are legal under Australian tax law. For personalised advice on your situation, consult a registered tax agent at tpb.gov.au. Many Taxgebra users share their results with their accountant — it makes that conversation significantly more productive.
Timing is everything. Your tax return records what happened. Taxgebra shows you what's happening — all year. Salary sacrifice must be set up before 30 June. Super top-ups must be received before 30 June. Pre-paying investment interest must be done before 30 June. By the time you open your myGov account in July, every decision has already been made or missed. Taxgebra's job is the eleven months before July.
Everything. Full access to the Tax P&L tracker, Bracket Drop Engine, Smart Document Reader, 10-Year Sandbox, couple and SMSF mode — all for $49/year. Sign in with your Google account to get started.
Start today

Stop leaving your
money with the ATO.

$49/year — launch offer, was $99.
Tax-deductible · Works fully offline · ATO rates FY 2026–27.

Launch price $49/yr · Regular price $99/yr · Gold standard privacy · 60+ strategies · Cancel any time

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FY 2026–27
ATO Rates
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