The ATO Gives Retirees Over 60 These 5 Tax Breaks — Most People Have Never Claimed a Single One
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▸ FREE GUIDE — 10 Things Australian Retirees Are Owed (That Almost Nobody Claims)
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Nine pages, plain English, every figure checked against the ATO and Services Australia. The seniors tax offset that can let you earn around $32,600 tax-free, the health card with no assets test that self-funded retirees keep missing, the Work Bonus that lets you do a bit of paid work without losing pension — and seven more. No charge. Straight to your inbox.
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Most Australian retirees over 60 are paying more tax than they legally need to. Not because they've done anything wrong — because five legitimate provisions in the Australian tax system exist specifically for people in their situation, and nobody has ever explained them.
In this video: why super income is generally tax-free once you're over 60 and in pension phase, how refundable franking credits can put cash back in your account, what SAPTO is and why self-funded retirees who've never touched the Age Pension can still claim it, the Medicare levy threshold most seniors don't know they have, and the Commonwealth Seniors Health Card that hundreds of thousands of eligible Australians have never applied for.
I'm Steve Caldicott — a retired Australian accountant, nearly four decades in private practice working with retirees, families, and small businesses on tax, super, the Age Pension, and ATO matters. This channel exists to explain the rules nobody ever sat you down and explained.
This is general information only — not personal tax or financial advice. I'm retired and not a registered tax agent or licensed financial adviser, so your circumstances belong with someone who knows your full picture — a registered tax agent or a licensed financial adviser.
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