Filer vs Non-Filer: what it actually costs
"Filer status" isn't one tax — it's a multiplier applied at dozens of separate withholding points across the tax system. The table below pulls every section where a non-filer pays a materially higher rate than a filer for the exact same transaction, straight from the same withholding tax data every calculator on this site uses.
Where the gap compounds
Property transactions are the biggest exposure — a non-filer pays the higher 236K/236C rate on both the purchase and the eventual sale, and CGT and stamp duty apply on top regardless of filer status. Run your own numbers on the Property Transfer Total Cost Calculator, which shows the filer-vs-non-filer delta directly.
For a full salary/income breakdown by filer status, use the dedicated Filer vs Non-Filer Calculator, and for vehicle registration and token tax the Token Tax & Vehicle Registration Calculator applies the same 234A rate split.
Rates sourced from the same withholding tax data set used across the site — see the full versioned table on the rates reference page.