Dila Kharel
Help & Tax Resources

Help & Tax Resources

Australian tax guides, tools and calculators — updated for FY 2025–26. Brought to you by Dila Kharel.

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🎬 How-To Videos 💡 $1,000 Deduction 🗺️ Zone Tax Offset 🏥 Medicare Levy 📊 Tax Brackets 📋 Start a Return What Can I Claim 🏠 Work From Home 🚗 Car & Km 🎓 HECS / HELP 💼 Super 📈 Capital Gains 🏘️ Rental Property 📅 Deadlines 🔢 TFN 🔖 ABN 📱 Install App
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How-To Video Guides
Watch step-by-step tutorials in English or Nepali
📋 How to Complete Your Tax Return
How to complete & submit your tax return from Dila Kharel
कर फिर्ता कसरी भर्ने — नेपालीमा

📱 How to Install the App
  1. Open intax.au in Safari (must be Safari on iOS)
  2. Tap the Share button at the bottom
  3. Scroll and tap "Add to Home Screen"
  4. Tap "Add" — done! Icon appears on your home screen
  1. Open intax.au in Chrome
  2. Tap the ⋮ menu (top-right three dots)
  3. Tap "Install app" or "Add to Home screen"
  4. Tap "Install" — icon appears on your home screen
💡 Why install? Full-screen experience, home-screen icon, faster loading, and you can track your tax all year round.
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$1,000 Instant Tax Deduction
Proposed from 1 July 2026 · Does NOT apply to your 2025–26 return
⚠️ Not yet law. Draft legislation released April 2026. First applies to your 2026–27 return (lodged from July 2027). Keep your receipts for this year's return.
What it means: A flat $1,000 deduction for work-related expenses — no receipts needed. You can still claim your actual expenses if they exceed $1,000.
  • Max tax saving: ~$470 for top earners · ~$205 average
  • Working Australians Tax Offset of up to $250 also proposed
  • Salary-packaged expenses excluded
  • Keep receipts now — your agent will choose whichever gives the bigger refund
Start My 2025–26 Return ATO Info ↗
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Zone Tax Offset Eligibility Check
Search by suburb, town or postcode
Live in a remote area? You may be entitled to a Zone Tax Offset that reduces your tax payable.
  • Zone A — $338 offset (e.g. Darwin, Alice Springs, Broome, Mt Isa)
  • Zone B — $57 offset (e.g. Broken Hill, Townsville, Cairns region)
  • Special Area — $1,173 offset (250km+ from nearest town of 2,500+)
  • Must have lived there for 183+ days in the financial year
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Full Zone Details ↗
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Medicare Levy & Exemption
Who pays, who is exempt, and how to apply
Medicare Levy = 2% of your taxable income.
  • Low income threshold (2025–26): No levy if taxable income ≤ ~$26,000 (singles)
  • Medicare Levy Surcharge (MLS): Extra 1%–1.5% if income over $93,000 (singles) and no private hospital cover
  • Full exemption: Foreign residents, certain visa holders, prescribed persons, MES holders
  • Half exemption: When only part of family qualifies for Medicare
Medicare Levy Explained
Are you exempt? If you hold a Medicare Entitlement Statement (MES), your tax agent claims the exemption for you — just provide your MES letter.
Start My Return ATO Medicare Guide ↗
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Australian Tax Brackets 2025–26
Resident individual rates — exclude Medicare Levy
Taxable IncomeTax on this income
$0 – $18,200Nil (tax-free threshold)
$18,201 – $45,00016¢ for each $1 over $18,200
$45,001 – $135,000$4,288 + 30¢ for each $1 over $45,000
$135,001 – $190,000$31,288 + 37¢ for each $1 over $135,000
$190,001+$51,638 + 45¢ for each $1 over $190,000
Stage 3 tax cuts from 1 July 2024: Lowest rate dropped from 19% to 16%, 32.5% bracket became 30%. Plus 2% Medicare Levy.
Non-residents: No tax-free threshold — 30% from $1, 37% above $135,000, 45% above $190,000.
Working Holiday (417/462): 15% on first $45,000, then resident rates.
Open Tax Calculator ATO Tax Rates ↗
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How to Start Your Tax Return
Dila Kharel · Registered Tax Agent
1
Create your account
Sign up at intax.au — takes 2 minutes. Your tax agent is assigned automatically.
2
Start your return
Go to New Tax Return and fill in your income — employment, ABN, rental, investments, capital gains.
3
Upload documents
Upload payslips, bank statements, receipts, and any ATO correspondence.
4
We review & lodge
Your tax agent reviews, applies deductions and offsets, and lodges with the ATO.
5
Get your refund
Refunds typically arrive 2–3 weeks after ATO processing, direct to your bank.
Start My Tax Return Create Account
What Can I Claim?
Work-related deductions FY 2025–26
3 golden rules: (1) You paid it yourself, unreimbursed. (2) It directly relates to earning your income. (3) You have a record.
ExpenseClaimable?Notes
Work uniform / protective clothingYESOccupation-specific or employer logo. Not everyday clothes.
Self-education / studyYESMust relate to current job. Not for a new career.
Home office (work from home)YES70¢/hr fixed rate or actual cost. Diary required.
Work tools & equipmentYESUnder $300 claimed immediately. Over $300 depreciated.
Phone & internet (work portion)YESWork-use percentage only. Keep usage records.
Union fees & professional subsYESWork-related professional body only.
Income protection insuranceYESOutside super premiums are deductible. Not life/trauma.
Tax agent feesYESWhat you paid your agent last year is deductible this year.
Car (between work sites)PARTIALBetween job sites YES. Home to work NO.
Meals while travelling overnightPARTIALOnly if required to sleep away from home for work.
Sunscreen (outdoor workers)PARTIALYES if you work outdoors. NO for office workers.
Regular home-to-work commuteNOOrdinary commute is never deductible.
Everyday clothing (non-uniform)NOSuits, jeans etc. — not claimable even worn for work.
Gym membershipNONot deductible unless extraordinary fitness required (ADF, police).
Personal grooming / haircutsNONot claimable even for professional appearance.
Traffic / parking finesNONever deductible.
Child care expensesNONot a deductible work expense.
General guide only — your tax agent will review your circumstances.
Claim My Deductions ATO Deductions ↗
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Working From Home Deductions
Fixed rate 70¢/hr vs Actual cost method
Two ATO-approved methods for 2025–26:
  • Fixed Rate — 70¢ per hour
    Covers electricity, gas, internet, phone, stationery, consumables. Keep a record of hours worked from home.
  • Actual Cost Method
    Claim real work portion of each expense. Requires receipts and a 4-week representative diary.
Record keeping is essential. Without a diary or timesheet the ATO can disallow your claim. Estimates are no longer acceptable from 1 March 2023.
Claim separately: Office furniture, computers, monitors depreciate separately — not covered by the 70¢/hr rate.
ATO WFH Guide ↗
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Car Expenses & Logbook
Cents-per-km vs Logbook method
Two methods:
  • Cents per Kilometre — up to 5,000 km at the ATO rate. No receipts needed, but travel must be work-related.
  • Logbook Method — claim the business-use % of all actual costs. 12-week logbook required, valid 5 years.
ATO Cents per KM Rate
2024–25
88¢
per km
2025–26
88¢
per km
Max Claim
$4,400
5,000 × 88¢
Work travel YES: Between two workplaces · carrying heavy tools · client sites.
NOT claimable: Regular home-to-work commute.
Logbook Checklist
Record every trip for 12 consecutive weeks
Note date, destination, purpose, start/end odometer, km
Keep for 5 years (covers multiple returns)
Record total km at year end
Save all fuel, rego, insurance & repair receipts
Add Car Expenses ATO Car Guide ↗
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HECS / HELP Debt
Student loan repayments & indexation
How HECS-HELP repayments work:
  • Compulsory repayments start once repayment income exceeds ~$54,435 (2024–25)
  • Rates start at 1% rising to 10% at the top bracket
  • Repayment income = taxable income + reportable fringe benefits + reportable super + investment losses
  • Withheld by employer through PAYG and reconciled at tax time
  • Debts indexed annually on 1 June (CPI or WPI, whichever is lower)
Recent change: From June 2025, the government applied a 20% reduction to outstanding HELP balances before indexation. Future indexation uses the lower of CPI or Wage Price Index.
ATO HECS Info ↗
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Superannuation
Contributions, caps & tax treatment
Key super facts 2025–26:
  • Super Guarantee: 12% of ordinary time earnings
  • Concessional cap: $30,000/yr (employer + salary sacrifice + personal deductible)
  • Non-concessional cap: $120,000/yr (after-tax) or $360,000 under 3-year bring-forward
  • Carry-forward: Unused concessional cap from prior 5 years if balance under $500,000
  • Tax on contributions: 15% (30% Division 293 for earners over $250,000)
  • Personal deductible contributions: Lodge a Notice of Intent with your fund first
Tax saving tip: Personal deductible contributions save tax at your marginal rate but are only taxed at 15% inside super — potentially saving up to 30¢ per dollar.
ATO Super Guide ↗
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Capital Gains Tax (CGT)
Shares, property, crypto & other assets
How CGT works:
  • Capital gain = sale price − cost base (purchase + buying/selling costs + improvements)
  • 50% CGT discount if held for 12+ months (individuals & trusts)
  • Net capital gains added to taxable income and taxed at your marginal rate
  • Capital losses carry forward indefinitely to offset future gains
Main Residence Exemption: Generally no CGT on sale of your principal home for the entire ownership period. Partial exemptions apply if rented or used as home office.
Crypto is treated as property. Every sale, swap or use to purchase is a CGT event. Keep records of every transaction — date, AUD value, purpose.
ATO CGT Guide ↗
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Rental Property Tax
Income, expenses & depreciation
Claimable rental expenses:
  • Interest on the loan to purchase the property
  • Council & water rates, body corporate / strata fees
  • Insurance — building, contents, landlord
  • Property agent fees, advertising, letting fees
  • Repairs & maintenance (not initial defects or improvements)
  • Depreciation — capital works (building) and plant & equipment (fittings)
  • Travel — generally not claimable for residential rentals since 2017
Watch out: Borrowing expenses spread over 5 years. Initial repairs to fix pre-existing defects are capital — not immediately deductible.
ATO Rental Guide ↗
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Tax Lodgement Deadlines
Key dates for individuals & businesses
Individual return FY 2024–25:
  • 31 October 2025 — if you lodge yourself
  • Up to 15 May 2026 — via a registered tax agent (like Dila Kharel) if registered before 31 Oct
  • 5 June 2026 — non-taxable or refund-only returns
Lodge with us = extension. Signing up with Dila Kharel by 31 October extends your deadline to as late as 15 May — no late penalties.
Business key dates:
  • 28 Jul / 28 Oct / 28 Feb / 28 Apr — Quarterly BAS
  • 21st of the month — Monthly BAS
  • 14 July — STP payment summary finalisation
  • 21 May — FBT return due
ATO Key Dates ↗
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Tax File Number (TFN)
How to apply and why you need one
What is a TFN? A unique 9-digit number issued by the ATO. You keep it for life. Without one, tax is withheld at 47% on wages and bank interest.
  • Australian citizens & residents: Apply online via myGov + Australia Post ID verification
  • Foreign passport/visa holders: Apply online after arriving in Australia
  • Free of charge — never pay a fee. Beware of scammers
  • Issued within 28 days
Keep your TFN private. Only share with the ATO, your tax agent, employer (Tax File Declaration), bank or super fund.
ATO TFN Application ↗
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ABN Application
Apply through Dila Kharel
An ABN is required if you're:
  • Starting a business or going self-employed / contracting
  • Registering for GST (required if turnover ≥ $75,000, or $150,000 for NFPs)
  • Receiving payment without tax withheld (no ABN = 47% withholding)
  • Setting up a company, partnership or trust
We apply for you. Dila Kharel lodges ABN applications with the ATO on your behalf — typically same day or within 28 days. We can also register GST, PAYG withholding and business name at the same time.
Get Started ABR Info ↗
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Install Dila Kharel App
Add to home screen — no app store needed
Dila Kharel works as a Progressive Web App (PWA). Install it to your home screen for a full-screen, fast, native-like experience.
  1. Open intax.au in Safari
  2. Tap Share at the bottom
  3. Tap "Add to Home Screen" then "Add"
  1. Open intax.au in Chrome
  2. Tap menu → "Install app" or "Add to Home screen"
  3. Tap "Install"
Why install? Full-screen, home-screen icon, faster loading, works year-round for expense tracking and chat with your agent.