Persona · Age 33
The Nguyens
Teacher + developer, two kids under 5, suburban Sydney mortgage
Net positive
Multiple stacked wins: combined tax cuts, 26-week PPL, RSV vaccine for infants, tripled bulk-billing, and EV FBT preserved for dad's work car.
Family Support
+3
Paid Parental Leave extended to 26 weeks; enhanced childcare subsidy
Healthcare
+3
RSV vaccine publicly funded for infants; bulk-billing tripled; PBS co-pay to $25
Income Tax
+2
Combined household saving grows each year through 2028-29 with WATO for both earners
Cost of Living
+2
Energy bill relief, fuel excise cut, PBS — meaningful on a tight family budget
Electric Vehicle
+2
FBT exemption preserved on EVs under $89,332 — saves ~$4,700/yr on a work EV salary package
Scores are stylised indicators based on published budget policy mechanics — not financial advice.
View in Tax CalculatorPersona 04 — The Nguyens, young family (mortgage + 2 under 5)
Profile
- Ages: 33 (Lien) / 35 (Minh)
- Occupations: Lien — primary-school teacher (3 days/week, $63k FTE → ~$38k actual). Minh — software developer ($135k).
- Children: 4yo and 2yo.
- Housing: owner-occupiers in Penrith, NSW; ~$680k mortgage on $850k home.
- Investments: super only.
- Car: 2018 SUV, runs on premium unleaded.
Their universe of policies
- Theme 04 §4.1 — Personal income tax
- Theme 02 §2.2 — Fuel relief
- Theme 02 §2.4 — Healthcare (bulk billing, PBS, RSV vaccine)
- Theme 05 §5.4 — Women, children and families (PPL to 6 months)
Scenarios
Scenario A — Combined household tax cut
- Policy: Three rounds + WATO + instant deduction.
- Source: tax-explainers-new-tax-cuts-workers.docx
- Mechanic (from Treasury table):
- Lien on $38k: ~$840 in 2026-27, ~$1,300 from 2027-28 (interpolated between $30k and $40k brackets, after WATO).
- Minh on $135k: $3,647 in 2026-27, $4,165 from 2027-28 (up to $4,485 with full instant deduction).
- Combined household: ~$4,500 in 2026-27, ~$5,500 from 2027-28+.
Scenario B — RSV vaccine for the toddlers
- Policy: Theme 02 §2.4 — $449.3M to list the RSV vaccine on the PBS.
- Mechanic: Both kids are eligible during the pre-school years. Out-of-pocket if previously private would be ~$300-450 per dose; PBS listing makes it free or co-pay only.
Scenario C — Bulk-billing target by 2030
- Policy: $11.4B bulk-billing incentives — 9-in-10 GP services bulk-billed by 2030.
- Mechanic: Toddler GP visits (~10/yr at $40 gap) → bulk billing as it spreads → ~$400/yr saved by 2030.
Scenario D — Lien's third PPL period
- Policy: Theme 05 §5.4 — Paid Parental Leave increasing to 6 months from July.
- Mechanic: If they have a third child, Lien gets a longer paid leave entitlement. PPL paid at the national minimum wage of $49,296 (≈$948/wk before tax) for 6 months ≈ $24,648 total (vs $21,500 under previous shorter scheme).
Scenario E — Filling the SUV
- Policy: Theme 02 §2.2 — fuel excise cut 32c/L from 1 April 2026 (3 months).
- Mechanic: Suburban family driver doing ~18,000 km/yr in a 9 L/100km SUV → ~1,620 L/yr → ~405 L over the relief window → ~$130 saving at full pass-through.
Scenario F — They consider an EV for Minh
- Policy: Theme 04 §4.5.1 — full FBT exemption for EVs ≤$75,000 until 1 April 2029, then permanent 25% discount; permanent 25% discount on EVs >$75,000 from 1 April 2027.
- Mechanic: If Minh salary-packages an EV ≤$75k via novated lease starting in 2026, he gets the full FBT exemption for 3+ years before transitioning to 25% discount. Worth thousands per year vs an ICE novated lease.
Bottom-line annual impact
| FY | Tax | Health | Fuel | PPL (if used) | Net |
|---|---|---|---|---|---|
| 2026-27 | +$4,500 | +$300-600 | +$130 | up to +$3,148 once-off | +$4,930+ |
| 2027-28+ | +$5,500 | rising to +$700+ by 2030 | — | — | +$5,500-6,200 |
Calculator settings
Open
calculator/index.html:
- Run twice: $38k for Lien (no WRE), $135k for Minh (use instant deduction).
- Compare 2023-24 vs 2027-28+ tax payable for both.
- Optionally model the EV salary-packaging scenario in the "Vehicle / FBT" tab.