You look after everyone else. We'll look after your tax.
Registrar on rotation, GP contracting to a practice, or specialist running your own rooms. TaxFlowAI keeps your records organised all year, and a Registered Tax Agent prepares and lodges your return.
- Registered Tax Agent 26313222
- Quote approved before any work starts
- Parramatta & Sydney CBD
Salary packaging
Your hospital will let you pay less tax. Most interns get it wrong.
- Public hospital staff can package up to $9,010 a year of everyday spending plus $2,650 of meals and entertainment, tax-free.
- On an intern's $80,638 base that is about $3,700 less tax in your pocket each year.
- The catch: packaging counts toward your HELP repayment and Medicare levy surcharge income, so your HELP repayment rises by about $1,550. Still worth it, but only if you know.
- We set it up with your provider and check it against your HELP position before you sign.
Approximate, for a public hospital intern on the base salary. Your result depends on your pay, your HELP balance and what you package.
HELP debt
$100,000+ of HELP debt. Here is what actually matters.
- From 1 July 2026 repayments are marginal: nothing on the first $69,528, then 15 cents per dollar up to $129,717, 17 cents above that.
- Your debt is indexed every 1 June. It is not interest, but it is not zero either.
- Paying it down early is rarely the best use of a first-year salary. We show you the numbers before you decide.
- Your employer withholds HELP from every pay, but overtime and a second job can leave a shortfall at tax time. We forecast it so there is no surprise bill.
0¢
15¢
17¢
$0 – $69,528
$69,528 – $129,717
Above $129,717
Cents repaid for each dollar of repayment income within each band.
Deductions from day one
Start keeping receipts before your first shift.
- AHPRA renewal, indemnity insurance, college and exam fees, CPD, journals, stethoscope and equipment, and driving between hospitals on the same day are all claimable.
- Your daily commute, ordinary clothes, and the study that got you the job are not. The ATO checks doctors' claims closely.
- Photograph every receipt into one app as you go. Claims over $300 in total need records, and a shoebox in June is how deductions get missed.
- We send a one-page doctor deductions checklist after your first call.
CLAIM
- AHPRA renewal
- Indemnity insurance
- College & exam fees
- CPD & journals
- Stethoscope & equipment
- Driving between hospitals, same day
DON'T CLAIM
- Your daily commute
- Ordinary clothes
- Study that got you the job
- Gym & fitness
- Grooming & haircuts
- Anything your employer reimbursed
Going self-employed
Locum shifts, private assisting, telehealth. When the ABN comes, be ready.
- Contract work means an ABN, invoices, and no tax withheld. You set aside the tax yourself and the ATO moves you onto quarterly PAYG instalments.
- Most medical services are GST-free, so you may not need to charge GST. Cosmetic work, reports and room rentals are different. We tell you which is which.
- A company or trust does not turn your income into business income. Under the personal services income rules, money earned from your own skill is taxed to you regardless of the structure.
- Sole trader is usually right in the early years. We tell you when, and if, a company starts paying for itself, and how the practice's payroll tax position affects your contract.
- 1
EmployeeYOU ARE HERE
PAYG wages, tax withheld every pay
- 2
Employee + ABN
Locum, assisting or telehealth on the side
- 3
Practice owner
Your own rooms, staff and structure
Meet Flo
The colleague who never loses a receipt.
- Snap a receipt between patients. Flo reads it, files it under the right ATO category and shows you why.
- Ask Flo at 2am after a night shift: “Can I claim my loupes?” You get a plain-English answer, and Flo tells you when a question needs your agent.
- Before tax time, Flo flags what's missing, like an AHPRA renewal that never got uploaded.
- Flo organises. Your Registered Tax Agent reviews and signs off. Nothing is lodged on AI alone.
YOU · 2:14 AM
Can I claim my surgical loupes?
FLO
Yes, if you use them for work. They cost over $300, so your agent will claim them over their effective life. Snap the receipt and I'll file it.
Rated five stars. Every. Single. Review.
Trusted by Australians
These are Google reviews of Frontline Financial Group, the team behind TaxFlowAI. Over one hundred Australians have taken the time to review us, and every single one gave five stars.
“I had a great experience working with Hassan for my tax return. He was professional, knowledgeable, and took the time to clearly explain everything, which made the whole process very straightforward and stress-free. Hassan was very responsive, and efficient. I’d highly recommend him to anyone looking for reliable and high-quality tax services.”
“Hassan was very professional, and was able to get me a very good tax return for this financial year. And also provided me with a lot of good tax tips as well. If you’re looking for a personalised service, go to Hassan!”
“Extremely organised and responsive. Frontline financial helped me lodge 4 years of outstanding business tax returns. Highly recommended”
“I engaged Hassan for assistance with my Tax Return and finance to buy my first property. He was fantastic, informing me every step of the way. Working over time to ensure my finance was approved promptly to seal the deal. Cannot thank you enough! Much appreciated.”
“Came across Frontline Financial for my tax accounting and finance needs, couldn’t have asked for anything better, great customer service and helpfulness. Managed to get a greater outcome then I had imagined for my tax returns and financial needs. Couldn’t recommend them enough!”
“Hassan has been so helpful doing my tax returns and helping me with my finance. If you are looking for an efficient accountant he is one of the best. I would highly recommend.”
“Hussan has been the best by far to work with over the past year not only with my finance but also with my tax return aswell, with The best results possible definitely recommend !”
“Very responsive and professional service, made my tax return process super easy :)”
“I had a great experience working with Hassan for my tax return. He was professional, knowledgeable, and took the time to clearly explain everything, which made the whole process very straightforward and stress-free. Hassan was very responsive, and efficient. I’d highly recommend him to anyone looking for reliable and high-quality tax services.”
“Hassan was very professional, and was able to get me a very good tax return for this financial year. And also provided me with a lot of good tax tips as well. If you’re looking for a personalised service, go to Hassan!”
Home loans for medical professionals
Buying a home? Doctors can often skip LMI.
- Some lenders waive lenders mortgage insurance (LMI) for eligible medical professionals, so you can buy with a smaller deposit without paying it.
- On a typical Sydney purchase with a 10% deposit, LMI can add tens of thousands of dollars to your loan. A waiver keeps that money in your pocket.
- Doctors are the most commonly eligible. Some lenders also include dentists and other registered health professionals. Limits and criteria vary by lender.
- Frontline Financial compares lenders for you and tells you which ones your occupation, registration and income qualify for, before any application goes in.
Buying with a 10% deposit
Most borrowers
LMI is charged, usually added to the loan
Eligible doctors
With a lender that offers the waiver
Waivers, maximum loan sizes and deposit limits depend on the lender and your eligibility.
Home loans are arranged by Frontline Financial Brokers, not TaxFlowAI. Frontline Financial Pty Ltd is an Authorised Credit Representative (CRN 575968) of Australian Credit Licence 389087. Credit is subject to lender assessment and eligibility criteria. General information only; it does not take your personal circumstances into account.
Services
Everything tax, in one place
Software to stay organised, Registered Tax Agents to lodge, an ASIC agent for your company — and the Frontline Financial group behind it all.
The software
TaxFlowAI platform
Your tax control centre. Flo sorts receipts into ATO categories, your documents sit in secure uploads folders, and every job for every entity is tracked in one dashboard.
- AI receipt scanner with reasoning you can read
- Client uploads, vehicle logbook and WFH tracker
- Live status on every lodgement
Registered Tax Agents
Tax preparation services
Individual, sole trader, company, trust and partnership returns, activity statements and CGT — prepared and lodged by a Registered Tax Agent you engage through the platform.
- Quote first — you approve the price before any work starts
- Plain-English advice on what you can claim
- Prior-year and overdue returns welcome
Registered ASIC agent
Corporate secretarial services
Annual reviews, officeholder and share changes, registered office updates, name changes and deregistrations — lodged with ASIC and filed in your company folder.
- ASIC deadlines tracked alongside your tax
- Documents prepared for electronic signature
- One team for the company and the tax
Our group
Frontline Financial
Home loans, business lending, and car, equipment and fleet finance from the Parramatta-based group that builds and operates TaxFlowAI.
- Mortgage brokers searching 30+ lenders
- Car, equipment and fleet finance
- Finance made simple. For every Australian.
Hassan Arif
FOUNDER & DIRECTOR, TAXFLOWAI
Meet the director
Hassan Arif
I started TaxFlowAI and Frontline Financial because everyday Australians don’t get access to strong tax and finance services. There aren’t enough professionals to meet demand. I want TaxFlowAI to be the most efficient tax firm in the country.
Hassan trained as an accountant, with a Bachelor of Business (Accounting) from Western Sydney University. He worked his way up through practice, from intern to bookkeeper to accountant, then spent two years as a finance and insurance manager.
He founded Frontline Financial in October 2023, and built TaxFlowAI to bring the same service to tax. Alongside that he works as a Senior Accountant at TAX7 T04, the registered tax agent that provides TaxFlowAI’s tax services.
- 2020Accounting intern
- 2021Bookkeeper
- 2022Accountant
- 2022Finance & insurance manager
- 2023Founded Frontline Financial
- ROLES
- Founder & Director, TaxFlowAI. Senior Accountant, TAX7 T04 PTY LTD
- EDUCATION
- Bachelor of Business (Accounting), Western Sydney University
- ACCREDITATION
- Accredited Member, FBAA
- APPOINTMENT
- Justice of the Peace, NSW
- VOLUNTEERING
- MATW Project, disaster and humanitarian relief
Visit us
Two offices. Come say hi.
One at street level in the city, one forty-nine floors up in Parramatta. Or stay on the couch and meet us on Teams or the phone.
PARRAMATTA
Level 49, 8 Parramatta Square
Parramatta NSW 2150
The tall one. Take the lift to Level 49, a few minutes from Parramatta station.
Get directions
SYDNEY CBD
213 Clarence Street
Sydney NSW 2000
Look for the TAX7 sign above the bus shelter, a short walk from Town Hall and Wynyard.
Get directionsRather not travel?
Most clients never need to come in. Book a call and we'll sort it from wherever you are in Australia.
Questions? A real person is fifteen minutes away.
Book a free 15-minute call with the TaxFlowAI team. Bring your questions about packaging, HELP or your first return. No pressure, no obligation.
FREE 15-MIN CALL · NO OBLIGATION · TEAMS OR PHONE
General information only. It doesn't take your personal circumstances into account. Whether an expense is deductible depends on your situation; your Registered Tax Agent will advise on your return.