🧾3 sections5 claimable items

Personal Deductions

Donations, insurance, and tax agent fees

Section 1 of 3

Donations & Gifts

Gifts of $2+ to registered charities

Gifts of $2 or more to a deductible gift recipient (DGR) — most registered charities qualify.

💡Example

Donated $100 to the Red Cross? Claim $100. Bought raffle tickets at a charity event? Not claimable.

⚠️Must be a genuine gift — you can't get something in return

Section 2 of 3

Income protection is claimable — life insurance isn't

Premiums for insurance that replaces your income if you can't work.

💡Example

Pay $800/year for income protection — claim the full $800.

Life insurance and total & permanent disability premiums.

💡Example

Your life insurance premium is $1,200/year — sorry, not claimable as a personal deduction.

⚠️Not claimable (except through super)

Section 3 of 3

Your accountant fees and tax-related expenses

What you pay your accountant or tax agent to prepare and lodge your return.

💡Example

Paid $350 to your accountant to do your tax — claim $350 next year.

⚠️Claimed in the year you pay, not the year the return is for

Cost of tax preparation software or apps.

💡Example

Bought a $50 tax app to track your deductions — claimable.