
Just like the date who never texted back, Australia's tax and transfer system isn't giving you what you deserve. Use Tax Match and, in just a few swipes, decide which tax and transfer policies deserve your love, and which ones are taking you for a ride.
Play Tax MatchContinue as a young Australian worker on an average $84K salary, who rents, has a HECS debt and no significant assets.
StartPersonalise your experience
*from 1 July 2027 this number will include the $250 Working Australians Tax Offset.
Your tax dollars fund the critical public services that support your community. So if tax is meant to be such a supportive partner… why does your life together feel so hard?
* This estimate is based on 2026–27 tax settings and may not reflect your exact situation. It’s intended as a guide only and does not constitute tax advice.
When we talk about the tax system, we mean the tax and transfer system. The tax system is made up of all the rules that govern how much revenue is collected from each of us. The transfer system is where all that revenue gets distributed - into our health care system, for example, with the goal of ensuring we all live in a secure society that reflects our priorities as a country.
If you're a worker earning a wage, you’re likely paying more tax than people who receive their income from wealth. The wild thing is...they're playing by the rules. The rules just weren't written with you in mind. That's because the system is designed to reward wealth, not work.

We’ll introduce you to some of the biggest policy players - you decide whether to date or dump them.
At the end, we'll introduce you to your perfect Tax Match.
Click on "Learn More" throughout to up your tax literacy.
HECS-HELP Repayments (Graduates Tax)
About me: I’m the penalty applied for doing what you were told - getting an education.
Looking for: Graduates starting out their lives
Interests: Committing 18-year-olds to decades of debt, and telling them ‘it's okay because it’s interest free.
Unusual Skill: Reducing your paycheck for years, right at the time when you are trying to build your life.
Are you dumping or dating the graduates tax?
In a typical scenario, a graduate will take xxx time to repay their student loan and they’ll pay xxx on top of the original price of their degree due to annual indexation. This is all happening right at the time we are trying to buy a home or start a family so that repayment every pay check really tightens the budget. The Australian Government has set a target for 80% of the working-age population to hold a tertiary qualification (including vocational TAFE certificates, diplomas, or university degrees) by 2050. An educated society is beneficial for all, so why are we placing this financial burden on the generations meant to build our future?
You just lifted a big financial burden for graduates!
Every year, corporate tax cuts cost the budget $30 billion — more than it would cost to make tertiary education completely free. It seems like you’re also wondering why $30 billion for corporations that are already profitable made the cut, while $21.9 billion to stop taxing 18-year-olds into their thirties doesn't.
Degree prices have climbed sharply. A Bachelor's degree in some fields, like arts, now costs well over $50,000. That's the real driver behind the financial stress HECS debts are causing graduates. And here’s the irony - In 2000, the same Howard Government that deregulated university fees also cut the corporate tax rate from 36% to 30%. Since then, student contributions for many degrees have climbed by up to 6.2 times, while graduate salaries have only grown 2.5 times over the same period. Lower costs could mean lower repayments - but instead, the businesses that require these degrees to hire us are paying less tax than they were 25 years ago, while the graduates producing the workforce they rely on are paying dramatically more.
Are you sure you’re prioritising the right needs?
Every year, corporate tax cuts cost the budget $30 billion — more than it would cost to make tertiary education completely free. We're not asking for new money. We're asking why $30 billion for corporations that are already profitable makes the cut, while $21.9 billion to stop taxing 18-year-olds into their thirties doesn't.
Degree prices have climbed sharply. A Bachelor's degree in some fields, like arts, now costs well over $50,000. That's the real driver behind the financial stress HECS debts are causing graduates. And here’s the irony - In 2000, the same Howard Government that deregulated university fees also cut the corporate tax rate from 36% to 30%. Since then, student contributions for many degrees have climbed by up to 6.2 times, while graduate salaries have only grown 2.5 times over the same period. Lower costs could mean lower repayments but instead, the businesses that require these degrees to hire us are paying less tax than they were 25 years ago, while the graduates producing the workforce they rely on are paying dramatically more.
A 2% Wealth Tax (Zucman style)
About me: I'm the 2% minimum tax that makes sure billionaires finally pay their fair share. Right now the ultra-wealthy pay as little as 0.2% of their wealth in tax each year, I just close that gap. If you're already paying your share, nothing changes for you.
Looking for: Anyone who thinks a nurse shouldn't pay a higher effective tax rate than a billionaire.
Interests: Fairness, functioning public services, and making sure "I structured my wealth to avoid tax" stops being a viable strategy.
Unusual skill: Applying only above $100 million in net worth so 99.9% of Australians will never feel me, but the 4,500 or so people this does apply to will finally pay something close to what everyone else already does.
Gabriel Zucman’s proposed wealth tax differs from traditional wealth taxes by functioning as a baseline floor rather than an additive tax. While standard wealth taxes levy an extra percentage on top of existing income taxes and often include exemptions for family businesses or liquid assets, Zucman’s model acts like a minimum top-up: billionaires are required to pay a total annual tax equivalent to at least 2% of their total net worth across all asset classes with zero carve-outs. If their standard income taxes already hit or exceed that 2% threshold, they owe nothing extra; if not, they simply pay the difference. To prevent tax evasion through jurisdiction-hopping, it is designed as an internationally coordinated system modeled after the global 15% minimum corporate tax framework.
You really want to cover the whole bill?
A 2% wealth tax could fund a suite of world class benefits, like dental in medicare or a year of paid parental leave for every parent at replacement wage. It could provide the amount of social housing we require 37 times over but most importantly, it would ensure that billionaires would pay as much tax as the middle class, relative to their income. Are you sure you don’t want the billionaires to pay their fare share of the dinner date?
You just married rich baby!
A 2% wealth tax could fund a suite of world-class benefits, like dental in medicare or a year of paid parental leave for every parent at replacement wage. It could provide the amount of social housing we require 37 times over but most importantly, it would ensure that billionaires would pay as much tax as the middle class, relative to their income. Now that’s a tax worth making a life-long commitment to.
Fossil Fuel Subsidies
About me: I’m the long-term affair between politicians and the fossil fuel industry
Budget update: The love affair continues...there were no changes to how we subsidise fossil fuels in the budget
Looking for: Someone who loves having a dirty little secret
Interests: Fancy dinners and backroom deals. High profits, zero tax, zero accountability.
Unusual Skills: Making the climate crisis worse, not better
Fossil fuel subsidies are tax breaks and financial support for coal, oil and companies. They mean that although these companies make supersized profits and create the climate crisis, they also receive some sweet side gifts from us taxpayers, as a thank-you for being here.
There’s another big problem: fossil fuel subsidies create an unfair playing field. By using taxpayer money to artificially lower the price of oil and gas, we make clean energy look expensive by comparison. In reality, renewables are often the cheapest way to power our world. We just need to stop tipping the scales.
You just dumped a very expensive date…
$16.1 billion is the equivalent of every Aussie taxpayer handing over almost $1,000 a year to fossil fuel companies, who then make exorbitant profits from our resources. Scrap the handouts, and we could put that money towards solar panels, electric cars, or cheaper energy bills instead, leaving everyone better off.
You have very expensive taste…
$16.1 billion is equal to every Aussie taxpayer handing over $1K a year to fossil fuel companies, who then make insane profits from our resources. Meanwhile, we underinvest in the clean energy transition. Are you sure we’ve got our priorities in order?
A Gas Tax
About me: I make sure gas giants pay their fair share for extracting Australia's resources, before the profits sail offshore.
Looking for: A government bold enough to close the loopholes and collect what we deserve.
Interests: Transparent accounting, capped uplift rates, losses that don't get carried forward forever, and making sure the public gets a real return on their own resources.
Unusual Skills: Actually collecting more from gas giants than we collect from graduates paying off their student debt.
Norway injects the revenue it earns from gas exports into a sovereign wealth fund to pay for things like education and build security for current and future generations. The fund covers roughly 20% of the country’s budget every year. Why do we keep being told we don’t have enough money for the things we need?
The Petroleum Resource Rent Tax is the current mechanism designed to ensure Australians get a "fair return" on the sale of our offshore gas and oil. But loopholes allow companies to offset their costs so effectively that many of the country's biggest projects pay $0 in PRRT, despite generating billions in revenue. It’s a tax that exists on paper, but rarely in the government's bank account.
Are you really okay with letting the free-riding continue?
By keeping the PRRT exactly as it is, we are essentially giving our gas away for a fraction of its value. Most of our gas belongs to the public, yet we receive less for it than countries like Qatar or Norway, who have much tougher tax systems. Are you sure you're okay with gas giants getting a "mates' rates" discount on our most valuable resources.
You’ve chosen a provider!
If we replaced the broken PRRT with a simple 25% royalty on gas exports, we could raise over $17 billion a year. That’s enough to invest in all kinds of things. We could ‘pay the rent’ to First Nations’ communities ($0.17B) while properly funding the arts ($2.5B) and add more mental health services to medicare ($0.7B).
We could even use it to pay down our national debt, Instead, we let that money go into the pockets of offshore shareholders.
Based on your swipes, we've worked out exactly who you're looking for.
You’re looking for a...
You want fairness, stability and sparks.
You want tax policies that respect you, treat you fairly and give back. Reforming all these policies means you’ve made the system fairer and added $26.2 to the Budget to invest in everyone’s quality of life and create the kind of society we’d love to live in. Where hard work and effort are rewarded, where we can afford the essentials, buy a home, care for our loved ones and maybe even have some money left over to enjoy.
You’re sitting...
You flirt with loopholes but deep down know they’re bad for you.
You’re tempted by some perks - but remember: as long as loopholes stay open, a lot of people will fall through the cracks.
You’ve made some great changes, but remember, reforming all these policies would mean billions to invest in everyone’s quality of life and create the kind of society we’d love to live in. Where hard work and effort are rewarded, where we can afford the essentials, buy a home, care for our loved ones and maybe even have some money left over to enjoy.
For you, it’s...
You think the system’s perfect.
Spoiler: it mostly serves the
wealthy few.
For everyone else, it’s a rigged game.
As long as you can sleep at night...
Reforming all these policies would return $26.2b to the budget to improve everyone’s quality of life and create the kind of society we’d love to live in. Where hard work and effort are rewarded, where we can afford the essentials, buy a home, care for our loved ones and maybe even have some money left over to enjoy.