Maximising Your Tax Refund with a Tax Agent in Adelaide

A tax refund can feel like an unexpected bonus — money you could use to pay off bills, put into savings, or treat yourself to something special. However, every year, many Australians miss out on hundreds of dollars in potential tax refunds simply because they don’t keep records of their deductible expenses.

The good news is, there are plenty of ways to legally boost your tax return, and with the help of a professional tax agent in Adelaide, you can make sure you’re not leaving money on the table.

Common Tax Deductions You Might Be Missing

One of the simplest ways to maximise your tax refund is by making sure you claim every deduction you’re legally entitled to. Yet, every year, thousands of Australians miss out on money because they don’t realise certain expenses can be deducted or they fail to keep the right records. From work-related costs and professional development to donations and even the fees you pay a tax agent in Adelaide, these deductions can quickly add up to a significant refund. Understanding what’s claimable and how to correctly document your expenses is key to avoiding costly mistakes and ensuring you receive the maximum return possible.

Superannuation contributions

Personal contributions to a compliant super fund are deductible up to the $27,500 concessional cap (or $30,000 for 2025–26). To claim, contributions must be made by 30 June, with a notice of intent lodged with the fund.

The Carry-Forward Rule lets individuals use unused concessional super contributions caps from previous years to claim higher tax deductions later. Unused cap amounts can be carried forward up to five years if the super balance is below $500,000 as of 30 June of the prior year.

Working from home expenses

With so many Australians working remotely, this deduction is more important than ever. You can choose between the fixed-rate method or the actual-cost method to claim a portion of your power, internet, phone, and equipment costs. Even if you don’t have a dedicated office, you may still be eligible.

Phone and internet costs

If you use your mobile or internet for work, you can claim the business-related portion of your bills. Just make sure you have records to show how much is work-related versus personal use.

Donations and gifts

Charitable donations of $2 or more to registered organisations are tax-deductible. Remember, though, that raffle tickets or charity dinners don’t qualify since you’re receiving something in return.

Work-related subscriptions

Magazines, newspapers, and even certain streaming services can be deductible if you use them to stay up to date in your field.

Tax Agent fees

Here’s one that many people overlook: the cost of hiring a tax agent in Adelaide is itself deductible. It’s a smart investment that can pay for itself many times over.

Work clothing and laundry

Protective gear, uniforms, or occupation-specific clothing can all be claimed, along with the cost of washing and dry cleaning them.

Self-education expenses

Courses or training that improve your skills in your current role may qualify as deductions, especially if they’re likely to increase your earning capacity and are directly related to your current job.

Work-related travel

While you generally can’t claim the cost of commuting to work, travel between worksites, to and from clients, overnight stays for work, or vehicle use directly related to your job can all be deductible.
 

Smart Ways to Boost Your Refund

Claiming deductions is an excellent start, but maximising your tax refund often requires going a step further. The Australian tax system is full of opportunities to reduce your taxable income and increase your refund — if you know where to look. Beyond simply listing your work-related expenses, strategies such as careful recordkeeping, reviewing your investment portfolio, or even the timing of certain claims can make a noticeable difference to your final return. For many people, small, consistent actions throughout the year add up to hundreds (or even thousands) of dollars at tax time.

If you’re feeling unsure, partnering with a trusted tax agent in Adelaide ensures that you’re making the most of every available opportunity while staying compliant with ATO requirements. Below are our recommendations to help you get more back at tax time:

Keep records year-round

The Australian Taxation Office (ATO) loves good recordkeeping. Keep receipts, invoices, and statements organised so you’re ready at lodgement time.

Don’t forget home office costs

If you’re working from home, don’t underestimate the savings on power, internet, and equipment depreciation.

Claim everything you’re entitled to

If your employer hasn’t reimbursed you, chances are you can claim the expense. Small amounts add up.

Review investments

Selling off underperforming investments can create a capital loss, which occurs when an asset is sold for less than its original purchase price. These capital losses can be used to offset capital gains made from other investments during the same financial year. By subtracting capital losses from capital gains, you reduce your net capital gain, which in turn lowers the amount of capital gains tax (CGT) owed.

Use education costs wisely

If courses directly relate to your current work, they may be deductible — but career-change courses won’t qualify.

Be honest with your return

The ATO uses data matching to pick up undeclared income. Being upfront is the safest and most cost-effective option.

Charitable donations

Every donation over $2 counts, and receipts must be kept for amounts over $10. There is no maximum limit to the amount of charitable donations you can claim on your tax return in a financial year, provided the donations are made to Deductible Gift Recipient (DGR) organisations and are genuine. Note that donations reduce your taxable income by the amount donated but they only reduce your tax owing relevant to your tax bracket.

Work with a Tax Agent in Adelaide

Perhaps the most effective way to boost your refund is by engaging a qualified tax professional. Not only can a tax agent spot deductions you might miss, but their fee is also tax-deductible.

Why Use a Tax Agent in Adelaide?

Filing your own return can be stressful, especially if you’re juggling multiple income streams, investments, or complex deductions. A JSA tax agent in Adelaide has the expertise to:

• Identify all eligible deductions
• Ensure compliance with tax law
• Maximise your refund while minimising errors
• Save you time and stress

For many people, the additional refund a tax agent helps secure more than covers their fee. Plus, you’ll have peace of mind knowing your return has been professionally prepared.

Tax time doesn’t have to be overwhelming. By keeping good records, understanding what you can claim, and working with an experienced JSA tax agent in Adelaide, you can make sure you are getting the best possible refund. Our professional guidance and years of experience may uncover deductions you may never have thought of, plus when you lodge returns through a professional tax agent, the cut-off date is extended after the usual 31 October deadline.

If you’re ready to take the stress out of tax time and maximise your return, get in touch with JSA Accounting today. Our team of expert tax agents in Adelaide is here to help you every step of the way.