8 Ways To Maximise Your Australian Tax Return in 2024

In this video, I’m going to show you 8 ways to legally pay less tax so you can save thousands of dollars per year and maximise your tax return. With tax time coming up, these tips could help you save a lot of money for this financial year and help you plan better for next year.
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Deductions you can claim: www.ato.gov.au/Individuals/In...
Salary Sacrifice Excel Calculator:
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#australiatax #tax #stockmarket
⏰ TIMESTAMPS
0:00 - Intro
0:10 - Salary Sacrifice
2:15 - Claim Work-Related Deductions
4:38 - Capital Gains Tax Strategy
6:01- Investment Property Deductions
7:55 - Small Business Concessions
8:51 - Government Incentives
9:42 - Get Private Health Insurance
10:48 - See a Tax Accountant

[@BryanInvest]

💰Moomoo: Get 10 FREE stocks & 6.8% interest on uninvested cash if you sign up using this link: j.moomoo.com/00A1xQ 💰ING: Get $75 FREE if you sign up using this link & follow the steps: bit.ly/48HzmmO 💰Ubank: Get $30 FREE if you sign up to Ubank with this code & make 3 (tiny) purchases: www.ubank.com.au/refer-a-friend-invitees Use Code: MDPYUAG

[@tt1367]

I like that you speak fast and clearly. I don't have to speed the video up! Now that's good sauce!

[@BryanInvest]

Haha, thanks mate. Nice to someone else who prefers fast paced videos. I, too, speed up most videos on KZbin 🏃🏻‍♂💨

[@TheHappyCoder]

And I don't like

[@chandinithirumalai3338]

Sauce - your videos are so informative! I came across your KZbin channel few days ago and already feel like I’m learning a lot. Thank you!

[@BryanInvest]

Thank you mate. Glad to have you with us. 👍

[@armzi9157]

Been looking a video like this on KZbin for a while. Great work mate. And yea, I stayed till the end . Sauce.

[@BryanInvest]

Hey, I appreciate that my man. All the best with your tax return 👊

[@Gogigons]

Just came across your channel and I’m so grateful! I am new to the country and understanding the system has been a bit challenging. You make it so easy! Thanks for your secret sauce!

[@BryanInvest]

Welcome to Australia mate! 🇦🇺 Glad to have you here and appreciate the support.

[@jackcanglide]

Great video as always Bryan. I'm currently making use of the FHSS scheme, it's providing me with some super safe and saucy tax savings. A great alternative to investing the money outside of super or using a term deposit. Keep up the great content!

[@BryanInvest]

Good stuff mate. It’s actually a clever scheme that incentivises saving for a good reason. I hope it brings you a big saucy house in future 👍

[@marinajzhang3683]

Thanks for the great sauce, Bryan! Appreciate that your videos are info-packed in a clear and succinct way. Subscribed.

[@BryanInvest]

Thanks for the nice comment! I’m glad you enjoyed it 😊

[@JeffW-pt4lv]

SAUCE. Found you a week ago. Love the videos and good vibes mate! Subscribed.

[@BryanInvest]

Thanks Jeff. Hope my videos can help you 👊

[@kimberleyfleming6739]

Salary sacrificing and salary packaging as a nurse is awesome , sauce. Great video

[@BryanInvest]

Absolutely Kimberly. I love that our nurses are looked after well. They deserve it! ❤

[@sukhpreetsingh4445]

Watching your video first time.. genuinely impressed with detail and ease of understanding... Already shared your Saucy techniques to Facebook and insta... Keep up the great work mate...🎉

[@samkaar2332]

Excellent video. Well researched, presented, and easy for the everyday Aussie to understand. I've watched a lot of your videos and they have inspired me to start my investing journey, so thank you! I was wondering if you would be able to do a video comparing the best ETFs vs the best LICs on a long term (20-30 years) DCA DRP strategy? Again, thank you.

[@BryanInvest]

Hey Sam, thanks for wonderful comment. I’m definitely planning to make a video about LICs soon! Keep a look out.

[@MK355]

Sauce. Great video and tips as always

[@BryanInvest]

Appreciate you, as always 👊

[@BarcaMentor]

Please don't stop posting content it is so informative and entertaining

[@BryanInvest]

I'm here for the long term. Heaps more videos to come!

[@INFIN8_Cubing]

nice vids bro, your gonna blow up any time soon. keep up the hard work 👍

[@BryanInvest]

Thanks mate. I appreciate that 👊

[@forever_mankind]

Saucy stuff as always Bryan! Glad you touched on the FHSSS - as someone currently trying to save for my first property, I'd be really interested in a more in-depth video about the best strategies for achieving that!

[@BryanInvest]

Thanks mate! That’s a great video idea. I’ll definitely put it on the list. Have you checked out if you qualify for first home owner grant?

[@gearspider]

I second this^! I'm a Kiwi and I've been over here saving my deposit, but I wish I knew about FHSS sooner! Luckily I think the new pathways to citizenship for us Kiwis will mean I'm now eligible for the First Home Owner Grant, so that's what I will look into 👍

[@BryanInvest]

@@gearspider Welcome mate. Hope you have an enjoyable and prosperous time in Australia!

[@alexfordyce27]

I had no idea the FHSS existed. Thank you!

[@emmanuelleaiamijolene3512]

Thank you Bryan for all your videos. It’s really helpful. Keep up the good work :)

[@BryanInvest]

Thank you! I appreciate the support ☺️

[@janet-too]

Sauce - you just earned a subscriber. Great information, and I must mention, perfect speed for me, I dint have to adjust your speed :😄

[@BryanInvest]

Hahaha thank you for the comment! I’m glad there are a few people out there that don’t think I speak too fast 💨

[@sophbee90]

Thanks for the video! Excellent advice!

[@BryanInvest]

Thanks for watching 😉

[@ashleyashley555]

Sauce. useful info as always 👍🏻👍🏻

[@BryanInvest]

Thank you Ashley 🙏

[@anthonystanley8245]

Great video Bryan. Would love to see a video explaining how to avoid or reduce the chances of being taxed from Div 293 for high income earners

[@obswervo]

Sauce - great video! 👍🏼

[@BryanInvest]

Thanks mate 👍

[@benjaminbentley4729]

Your teaching skills are great. I understood everything. Learnt alot cheers.

[@BryanInvest]

Thanks for the positive feedback 😊

[@stevenroberts8236]

Thanks for the sauce 😃

[@BryanInvest]

Hope you enjoyed 😎

[@kiranpatil7213]

Great Video and much more information !

[@BryanInvest]

Thanks!

[@TraceyBaxter]

Sauce, I am continuing to learn more and more about investing, finance, etc. Thank you Bryan🌸

[@BryanInvest]

Thank you, Tracey. That's lovely to hear. I wish you all the best on your journey 💙

[@pembadomalama5687]

Very informative, thank you

[@BryanInvest]

Thanks mate 🙏

[@MyraSantrac]

Sauce, like always, tasty. I appreciate your presenting these simply and clearly.

[@BryanInvest]

Thank you for the nice comment ☺️

[@shotataguchi8370]

Great video man

[@BryanInvest]

Thank you sir ✊

[@Groovinman100]

Great video mate, well done :-)

[@BryanInvest]

Thanks mate 🙏

[@AnasKhan-uw7vf]

Nice and quick easy learning ... thumbs up from Karachi, Pakistan

[@BryanInvest]

Thanks! Appreciate the support 🇵🇰

[@101CBR600RR]

Regarding your Salary Sacrifice example. For those who are not planning on adding extra contribution to their super with post tax income, you would be reducing your take home pay if you were to salary sacrifice to your super from your pre tax income. A lot of these comparisons that companies give you are like this

[@BryanInvest]

You’re right mate. I should have made it more clear. Your take home pay is only higher when you salary sacrifice assuming you’re planning to invest the same amount outside of super.

[@zacsmith8569]

Any chance you can explain this in more detail? @@BryanInvest

[@bretto6342]

Thanks Bryan you have a new subscriber here... This video was better than a bunnings sausage with sauce!

[@BryanInvest]

Welcome to the family, Brett. Man, I looooove Bunning sausages with extra ketchup & mustard 🌭

[@Monkeynati]

I just found you!!!! Great videos mate!

[@BryanInvest]

Thanks for watching! Hope you enjoy your stay mate 😃

[@Carl_Johnson_.]

SAUCE. Great video mate, keep up the great work!

[@BryanInvest]

Appreciate it Carl 👊

[@maniaustralian]

nice video mate. Well done

[@BryanInvest]

Thanks mate.

[@rejkid31]

Thanks!

[@BryanInvest]

No worries 👍

[@endoplasma]

Sauce - thanks for this video, i am relatively new to Australia and it's tax scheme. Very educational.

[@BryanInvest]

Thanks for the comment! Welcome to Australia 🇦🇺 💙

[@shivam_0002]

Great Video, Keep posting good content. You will grow.

[@BryanInvest]

Thanks mate!

[@reddead2067]

Sauce. Love your vids. I suggest a video specifically on tax tips for small business owners.

[@BryanInvest]

Thank you, I appreciate it! That's a good idea. I'll put it on my video idea list.

[@50KUNTZ]

Sauce brother thanks for the Info

[@BryanInvest]

Cheers bro 😎

[@sarahlynch3831]

Mustard is my favourite sauce. Work expense deductions are my favourite tax saver.

[@BryanInvest]

I too am a mustard lover. Good stuff 👍

[@JamilaCatabay-xf7lf]

Another great vid mate! Very saucy. 😂 the background music was just a bit disruptive. Nonetheless, very straightforward vid. Thanks

[@praveenv629]

Great stuff.

[@BryanInvest]

Thanks Praveen! 💙

[@fieldsofgold775]

Thanks

[@BryanInvest]

You’re welcome! 👍

[@kankiritharan3418]

Great vedio 👍

[@philiprachtman1217]

My best tax plan was paying mortgage off ASAP then as I received more equity I purchased shares outside super and receive a tax deduction and franking credits. Now 30 years latter I have retired I can sell $60,000 worth of capital gains (which is more than my old employment wage) put $10,000.00 into super claim a deduction. So with the 50% discount my taxable income is $20,000.00 so I pay no tax. And with the dividends I receive I get a tax refund

[@BryanInvest]

Good stuff mate. Killing it 👍

[@kyliebarnard5830]

First time watching your video Since you explained all things clearly I hope to maximise then minimise on my future tax returns 🤑

[@BryanInvest]

Awesome Kylie! I hope you can get a huge tax refund next year 🤩

[@Deboraedrick]

OMG!! This transformations is absolutely amazing!! I newly trade in Bitcoin and I've been making losses but recently I see a lot of people earning from it. Please can someone tell me what I'm doing wrongly .?

[@Fernandezparker2]

Investing in stocks is a good idea, a good trading system would put you through many days of success

[@ernestofabian6256]

The best way to invest is trading with a professional who understands the market quite well, that way maximum profit is guaranteed

[@charleszaro993]

I would advise you to seek professional assistance because creating a strong financial portfolio is more difficult. This will enable you to receive methods catered to your own long-term objectives and financial aspirations

[@janiceatkinson1507]

As a beginner who don't understand how Bitcoin trade really works and you really want to make profit from it, I will advise you to work with expert trader

[@Lucianadiaja11]

​@@charleszaro993How can someone know good professional acct manager that is trustworthy and legit, I have been searching they are hardly to find this period

[@daveo9844]

Nice one sauce 👍🏼

[@BryanInvest]

🥫

[@johnnymoran.]

It would be great if you could do a seperate video on deductions for remote workers, eg rent deductions for home office, phone, power, etc.

[@r4z0r84]

Edit: you got there I just commented too soon haha...With salary sacrificing you can also take out a max of $50k towards your first home for the FHSS with the ATO first home super saver, only counts your personal contributions not employer guarantee contributions and caps at $15k per year upto the max cap of $50k so you kind of can get your super back before 60yo I've got until Christmas next year to have the $50k to take out, hoping we get a crash by then lol

[@BryanInvest]

Nice one mate 😉

[@bomberwarren]

This video is brilliant

[@BryanInvest]

Thank Warren 👊

[@jestamon]

I think the downside is that employers don't have to salary sacrifice your wage. Or at least my last employer wouldn't which was frustrating and couldn't find any leg way to make them

[@user-zi9nq9kz1b]

Well done ! Quick one, Overseas mortgage payment(non rented property), can it be claimed as deduction?

[@ExelEXELTV]

Can you do the tax included salary sacrifice in mortgage

[@Ralex1]

Super sacrifice: AMP have a good Salary Sacrifice calculator you can use to work this out.. it stops you from inputting anything higher than the cap of $27.5K and shows the sweet spot.

[@BryanInvest]

Nice. Thanks for sharing mate. www.amp.com.au/calculators/sal_sac_calculator/salary_sacrifice.htm

[@MrJftt88]

It doesn't work if your yearly imcome is including overtime. it uses 11% of your total income and you can't change it.

[@maryjavasilyevna861]

Why going to AMP site, if you should have an effective salary sacrifice agreement with the employer. They should be able to manage it for you…

[@sylviakoresh4161]

Also, you gave advice on salary sacrifice for employed people but what about for self employed? Do the same rules apply or do you need to go about it differently?

[@aussiealts3507]

Great video - sauce

[@BryanInvest]

Cheers!

[@satyakarthik452]

i really liked the investment propety

[@AnyOnOutThere]

SAUCE. Thanks for your tips, much appreciated.

[@BryanInvest]

Awesome! Glad you enjoyed 😊

[@YoumeandPercy]

SAUCE! THANKS FOR THESE VIDEOS.

[@BryanInvest]

Thanks for your support! 🥫

[@mickeydavey5870]

I had a rewind a few times to pay attention to the good sauce

[@BryanInvest]

Are you sure it’s not because I talk super fast? 😂 I appreciate it mate!

[@biljanar9236]

haha Sauce- great video subscribed :D

[@BryanInvest]

I appreciate it mate. Welcome to the family! 😊

[@InsideTheOutback]

Sauce, thabkyou

[@BryanInvest]

🥫

[@eliasnahlous5179]

Thankyou for this video! Learnt a lot. So you cant use capital losses too offset taxable income, only to offset capital gains?

[@BryanInvest]

Yes, that is correct! If you don’t have any capital gains in the current year then you can carry over the capital loss to future years.

[@pixiemoon2889]

Definitely had to lock in some capital losses last year. This year made some gains! (SAUCE)

[@BryanInvest]

Good stuff! 👏

[@paulung1034]

Hi Bryan, Thank you for your informative video. You have just won another subscriber. would you be able to explain in more details of how the depreciation is calculated? I just wanted to better understand this specific topic. Let just say I purchased a brand new two-bedroom apartment for an investment. Does the depreciation is calculated based on the purchased price? Or on the individual items that you have mentioned in your video.?

[@BryanInvest]

Hi Paul, thank you for the kind words! I can definitely do a video where I go more into depth about depreciation with some case examples. I’ll put it on the list for next year. Hope you have a happy new year.

[@ClicksoftheWild]

Legend! Side super share investment. How do that mate?

[@satyakarthik452]

i want to learn more about the taxation on investment and financial planning

[@lowkeyconvert8971]

Hi Bryan! Could you make a video on how to do one's taxes with respect to US Options Trading but as an Australian resident if you have any knowledge on the topic?

[@BryanInvest]

Interesting video topic. I'll put it on my list. Thanks

[@sylviakoresh4161]

Sauce! Thanks Bryan! Can you do a video re saving tax for cleaners and tradies?

[@BryanInvest]

Hey Sylvia, I'll put it on my idea list and try to squeeze it in!

[@SMG043]

thanks for the not so secret sauce on this

[@BryanInvest]

Thanks for watching! 😄

[@nightrelaxation1546]

Is it possible to max out both salary sacrifice & concessional contribution at $27,500/year and the first home super saver at $15,000/year? Are we allowed to contribute up to $42,500 / year because of the 2 schemes with the salary of 78,000 / year down to the $35,500 / year tax bracket?

[@Aussiekiwilankan]

Hey Brian, can you do a video of real estate crowd funding please. If you can.

[@BryanInvest]

I'll put it on the list :)

[@Aegilops]

The best strategy is when you get a Div293 in the post and you go so berserk you join the UFC and clean up in the octagon due to your incendiary rage at the ATO. Plenty of good sauce to cover any tax bill when you're making mad stacks like McGregor

[@BryanInvest]

😂 who the fook sent me this tax bill?!

[@henryjr4961]

I didn't know about the first home super saver! is this the same the first home owner's grant? Thanks for the sauce, Bryan.

[@BryanInvest]

Two different things that serves a similar purpose. To help you afford your first home. FHOG doesn’t have anything to do with tax, rather a government initiative to encourage you to buy a house.

[@winniejo2206]

Thank you for the info about First Home Buyer Super Saver Scheme! I’ll look into it for my kids 🥰 Just wondering, would the money be best invested in shares though?

[@BryanInvest]

@@winniejo2206 The FHSSS allows you to invest in shares through your Super. The difference is, you'll only pay 15% tax versus your marginal tax rate which is usually higher. Just keep in mind Shares are volatile so you'll need to think in decades rather than years. If you think you'll end up withdrawing the money from Super for a house deposit within a couple of years then it's probably better to just keep it outside Super to avoid market risks.

[@alyanna_beans]

SAUCE!! thank you for this video! i do have a question though, is the salary sacrifice applicable to international students studying in Australia while working part-time?

[@BryanInvest]

Thank you Ariana! I believe you can. You can also apply to have super paid out if you leave the country (and not an Australian resident).

[@manish6556]

Hi, what will be the additional taxes on expats with basic salary more than 100k per annum working in MNC? can we reroute our saving by starting our own business not related to current working MNC to save tax?

[@kawaljittuteja8478]

Hello @bryan , great informative video. However just a quick question In regards to the two table comparison of john regarding super , If john puts $20150 after tax does he gets back 17.5% from tax because he paid tax on 70k at 32.5% and now if he is contributes $20150 he should be taxed at 15% only whereas he paid 32.5% , so he should get back the difference. Pls advise if i am correct or wrong

[@blackflagbarbering4753]

Gotta love this tax sauce, are you taxes on your gross or net income?

[@SocialGN_]

Saucey video!

[@BryanInvest]

🥫

[@jasonhunter3429]

Some good saucy tips in there. I did enjoy the casual, oh p.s you don't have to provide proof for 300 woth of tools

[@MARummi]

i do one job in salary sacrifice, and other is not which job should i keep as my first job to get tax benefit

[@batangmabait8341]

Good day bryan can you made a video preparing your tax return with a asx stock investment. Thank you.

[@BryanInvest]

Good idea. I'll put it on the list!

[@Movie_ci]

Can international students use these to save tax?

[@davidmeyer1862]

Hey guys, I would like to inform you that my mother-in-law, who is an accountant, assisted me in maximizing my tax deductions. Unfortunately, this resulted in a tax audit due to discrepancies in my annual tax returns making 3 times the amount I did previously, so be careful not to go overboard.

[@BryanInvest]

Thanks for sharing David. 3 times is huge increase! I’m not surprised the ATO flagged it. However, if all the claims were legally done then there’s nothing to worry about.

[@maryjavasilyevna861]

I am surprised your mom didn’t lodge an amendment of the previous 2 years to get your $$ back. 😊

[@user-fb7bp8cj9r]

Thanks for the Video!! It's excellent. I am a delivery driver, and I work cleaning as a contractor. Can I claim the small business income tax offset??

[@BryanInvest]

You should be able to if you have an ABN. Check this eligibility test: www.ato.gov.au/Business/Income-and-deductions-for-business/In-detail/Small-business-income-tax-offset/

[@dc4539]

Not sure if I'm completely misunderstanding the salary sacrifice idea. If you put extra money into your super, yes it's taxed at 15% but the government also taxes your super gains whereas if you were to invest the money separately and use DRP on your shares you won't be taxed anything until you cash out. In the long term which is actually better? Being taxed yearly for gains you don't realise until you retire or going tax free until you sell.

[@BryanInvest]

It's taxed at 15% vs the marginal tax you would have had to pay if you didn't salary sacrifice. So they contribute the money BEFORE you are taxed your normal tax rate. That's where the savings come in. Where did you hear that the govt taxes your super gains yearly?

[@dc4539]

@@BryanInvest Oh, I see. That makes sense. Doesn't the government tax your super earnings at 15% also? Maybe I'm wrong about the timeline but my yearly super statements always show thousands in tax. This is where my confusion comes in. If you're taxed 15% on earnings you haven't realised, is it not better to invest it yourself and avoid the 15%?

[@BryanInvest]

@@dc4539 the 15% is probably for dividends in your super. You won't be taxed 15% just for holding shares inside or outside super.

[@rockyoberroi5787]

Pls make a video for self employed people

[@dineshkrishnan2988]

Thanks mate. SAUCE 🎉

[@BryanInvest]

💛

[@alexanderkwok17]

Sauce - love the detail information! Are you taking any new clients? Looking for a good accountant to help with my tax returns and tax planning

[@BryanInvest]

Hey Alex, unfortunately I don’t offer my services to clients. There’s many good tax accountants out there that can help you :)

[@waynescully2209]

Good Sauce 🍅

[@BryanInvest]

You know, I’m something of a ketchup enthusiast myself 🍅

[@williamlee9634]

Goodness gracious, you shoot like a rocket! Thanks very much though.

[@BryanInvest]

Haha yeah sorry, I’m a natural fast talker. I’ve been working hard to slow down for the camera. Hopefully future videos are better! 🗣️

[@GabrielTobing]

5:55 I just need a better lawyer hahahaha

[@meysamFox]

Sauce, thanks for the vid. I've got a question. Is it still worth considering salary sacrifice if I've got an offset account on my home loan? noting the offset returns value based on the sum that sits there everyday whereas salary sacrificing reduces my total income. Cheers.

[@BryanInvest]

Great question. It’s a tough one. History says salary sacrifice will give you a higher return in the long run. However, it depends if you want to pay off your mortgage asap (before the 30 year loan). Putting money into offset is also a guaranteed tax free return. Ask yourself if you could pay off your mortgage faster vs invest excess cash in shares outside of super, what would you pick? The answer becomes more obvious based on your choice.

[@meysamFox]

@@BryanInvest thanks for your reply. That’s a good question. I’m generally a risk averse person so I’ll probably go for finishing my home loan earlier rather than investing the money somewhere else.

[@naveensaharan245]

Hey i am having a problem while doing this can u help me out please

[@pr3shus13]

Sauce 👌

[@pkerry12]

The average wage is now 100k in Australia from what I read.

[@BryanInvest]

Yeah, I read that recently and found it a bit hard to believe. There must be something skewing the data.

[@staylowpapa412]

Hey got a question can you make a video on how to fix your credit score in Australia. I try getting a loan for the bank for a car but I got declined apparently I got a loan or something that is affecting my credit score Once again thanks for videos 🎉

[@sirdino6967]

Sauce , my favourite way is N.O.I for personal super contributions ..

[@BryanInvest]

Good stuff sir. Super contribution is a great money hack 👊

[@frostmelody]

not all accountants are useful, some you end up paying more tax