Senior Australians Tax Offset

Senior Australians Tax Offset

tax incurred by investor

Mature age workers, seniors and pensioners may be qualified for tax offsets. If you are a low income earner, you may be eligible for an offset and, if your medical expenses pass the threshold limit, you may be eligible for the medical expenses tax offset too. You may also be eligible for an offset if you receive income from a superannuation income stream

If you are a Senior Australian, you may be eligible for the seniors and pensioners tax offset.

The seniors and pensioners tax offset (SAPTO) can reduce the amount of tax you are liable to pay. In some cases, this offset may reduce your tax liability to zero and you may not have to lodge a tax return.

To be eligible for this tax offset, you have to meet certain circumstances relating to your income and eligibility for an Australian Government pension.

If you are a senior, you must meet the age condition for the Age pension to be eligible for the offset.

In some cases, you may also be able to relocate your eligible spouse’s unused SAPTO to you. We calculate their transfer amount available and include this amount when calculating your SAPTO.

If you have reached the age pension age, the seniors and pensioners tax offset lets you earn more money before you have to pay tax or the Medicare levy. There are a range of eligibility conditions which relate to age, income, and eligibility for Australian government pensions or allowances.

For more information on Etax, Mytax and online tax return, please contact us at 1300 698 297 or you can email us at

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