What happened to the Low Income Tax Offset amount in your post referenced here? Hence, your statement "once you go over sapto cut off (about $40K) you go back to the usual $18K first threshold usual tax arrangements" fails to recognise that there is the Low Income Tax Offset, for the original poster to understand his/her likely position.
What's this "dribbling little bits of medicare levy" language for a youngster who is full of vegetables, yet to be digested, and yearning for a career in investment advising? You would be aware that Medicare levy on $40k at 2% is not a very hard calculation to make, even if you forgot to bring your calculator with you? I will leave that for your exercise for the day. Remember, the $40k is still the taxable income and thus the amount which incurs the Medicare levy, despite the SAPTO offsets.
"the shade figure is where you start to get off the sapto goodness (not where it ends)" Did I state otherwise? For some homework, try finding how rapid the shade-out occurs. I don't imagine it will be a life-changing amount which will impact any decision made by the poster making this enquiry.
He needs to visit an accountant, as I have stated earlier.
