How Australians Over 30 Can Get Up to А$1,200 Back in 2025

Most people think filing a tax return is just a yearly chore. But in reality, it’s a golden opportunity to get money back — especially if you’re over 30. You're likely working full-time, maybe paying off a mortgage or supporting a family. One thing is certain: you’ve paid enough to deserve every cent you’re legally owed.

Here are 7 legitimate Australian tax loopholes that rarely make headlines — but could save you hundreds, even thousands:

1. Cost of Living Tax Offset: Up to А$1,200 Back

If you earn under А$144,000 annually, you may qualify for a refund of up to А$1,200 in 2025 thanks to a new government offset. Most people don’t even realize they’re eligible. A good advisor will.

2. Work-From-Home Expenses You’re Probably Missing

Even if you only work from home part-time, you may be able to claim a portion of your rent, electricity, internet, and even office equipment. The key is documenting it correctly — not guessing.

3. Super Contributions = Tax Savings

If you’ve made voluntary contributions to your super fund, you could be entitled to a tax deduction — even on small amounts (like А$1,000). Very few people actually take advantage of this.

4. The “6-Year Rule” on Investment Property

If you’ve rented out a former primary residence, you may be exempt from capital gains tax for up to six years — provided the paperwork checks out. A technical rule, but a powerful one.

5. Work-Related Study Expenses

Studied something to improve your skills at work? You may be able to claim tuition fees, materials, even travel. Just make sure it’s directly tied to your current job — not just a hobby.

6. Franked Dividends: Claim Back Company Tax

If you invest in Aussie companies paying franked dividends, you may be eligible for a refund on the tax they’ve already paid. Most everyday investors don’t realize they’re missing out.

7. Private Health Insurance & the Medicare Levy

If you earn over А$90,000 and don’t have the right insurance, you could be paying extra in Medicare tax. The right policy could lower your bill — but again, this depends on good advice.

So Why Take the Risk?

ATO’s job isn’t to help you pay less — it’s to enforce the rules. But you’re legally entitled to use every deduction and offset available. The difference is in how you file. A single missed box can cost you hundreds.

A short consultation with a real tax expert might cost under a hundred bucks — and help you reclaim thousands.

What Makes Karis Tax Different?

Karis Tax isn’t just about “help with your tax return.” They go deep. Especially if you’re over 30 and your situation isn’t textbook — with property, assets, investments, or a family. Every case is reviewed by a real person, not a form or a bot. And that human touch makes a real financial difference.