Taxgebra
Australian Tax Optimiser
Taxgebra AU TAX OPTIMISER
Welcome · FY 2026–27 · ATO verified July 2026

Before you start — please read

WHAT YOU ARE PAYING FOR
The tax calculation engine — accurate computation of income tax, Medicare, MLS, LITO, franking credits, Div 293, Div 296 and deductions using ATO-verified rates. This is software, like paying for a calculator or spreadsheet template.
OPTIMISATION IDEAS ARE GENERAL INFORMATION ONLY
The recommendations are educational prompts about strategies commonly used by Australians in similar situations. They are not personalised financial advice or tax advice.
ALWAYS CONSULT A PROFESSIONAL
Taxgebra is not a registered tax agent and does not hold an AFSL. Before acting on any recommendation, speak with a registered tax agent (tpb.gov.au) or licensed financial adviser (moneysmart.gov.au).
YOUR DATA NEVER LEAVES YOUR DEVICE
Everything is saved locally in your browser. No account required. No data sent to any server. Export to CSV or JSON anytime as your personal backup.
PRICING — SIMPLE AND FLAT
7-day full access trial — everything included, no credit card required to start.
After 7 days: $49/year Individual · $499/year Accountant.
No add-ons. No "from" pricing. What you see is what you pay.

Here's how it works

Taxgebra sets up in about 2 minutes. Have your documents folder (Downloads, Google Drive, or a dedicated tax folder) ready.
1
About you
Name, state, filing status, job title. Takes about 60 seconds.
2
Read your documents
Select your Downloads or tax folder. Taxgebra's built-in parser identifies each PDF by content and extracts all fields automatically — income, super, bank, ATO documents. Everything runs in your browser. You confirm before anything is saved.
Files are read locally in your browser — nothing is uploaded to any server.
3
Confirm your deductions
Based on your job title, Taxgebra suggests the deductions most commonly claimed by people in your role. Tick what applies, enter amounts — done.

Ready to start

You'll be on the Optimiser in about 2 minutes. Have your documents folder ready if you can — but you can always skip and enter details manually.
ATO-verified tax rates · FY 2026–27
Built-in document parser — income, super, bank, ATO docs · runs in your browser · nothing leaves your device
Personalised deduction suggestions for your occupation
Your data stays on your device — no account required
Dashboard
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
—
Concessional Cap
$—
Remaining this year
$0 used$30,000 cap
Salary Sacrifice Saving
$—
—
Carry Forward
$—
Unused caps prior 5 years
CGT Position
$—
Investment gains/losses
Top Recommendations
Actions before 30 June 2027
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 — Checking which months are covered
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
$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
$
$
$
$
Carry Forward Unused Caps
From ATO MyGov · only if TSB < $500k at prior 30 June
$
$
$
$
$
$
ℹ Find unused caps at ATO MyGov → Super → Concessional contributions
Tax rate change: 16% → 15% from 1 July 2026 (and 14% from 2027) — already legislated, no action needed.
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
Personalised recommendations & bracket drop plan — FY 2026–27
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)
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.