Job To Be Done

The painful part of an Australian individual return is not the ATO form — myTax already prefills salary, interest, dividends, and health cover. The pain is:

• figuring out which bank transactions are legitimate deductions;
• categorising them correctly to ATO labels;
• keeping evidence;
• not missing deductions;
• not over-claiming and triggering an audit.

So the wedge is transaction classification + deduction discovery + substantiation, with the draft return as the output.