Australian Tax Calculator (FY 2025–26)
Estimate your tax refund or amount payable from gross income and PAYG tax withheld. Includes 2025–26 tax return settings, 2026–27 planning rates, Medicare, HELP/STSL, and super.
Income Details
Commas, spaces, and cents are accepted, for example 63,250.75.
Medicare & Family
Used to index Medicare and MLS family thresholds.
$0
Estimated Tax & Levies
$0
Tax Withheld
$0
Estimated Tax & Levies
Tax Breakdown
Pay Cycle Breakdown
| Frequency | Gross | Tax & Deductions | Net Pay |
|---|---|---|---|
| Weekly | $0 | - $0 | $0 |
| Fortnightly | $0 | - $0 | $0 |
| Monthly | $0 | - $0 | $0 |
| Annually | $0 | - $0 | $0 |
Weekly
$0Gross
$0
Tax
- $0
Fortnightly
$0Gross
$0
Tax
- $0
Monthly
$0Gross
$0
Tax
- $0
Annually
$0Gross
$0
Tax
- $0
Calculation Methodology
This calculator applies source-backed rules for FY 2025–26.
- Income Tax: Uses resident and foreign resident marginal brackets for the selected financial year.
- Tax withheld: Compares PAYG withholding credits against estimated tax and levies to show a refund or amount payable.
- Superannuation: Applies the 12% general Super Guarantee rate.
- HELP/STSL: Uses the ATO marginal repayment system from 2025-26 onwards, starting above $67,000. This assumes repayment income equals taxable salary unless you have other reportable amounts.
- MLS: Uses the selected year thresholds and partner income for family/couple threshold testing.
- Medicare: ATO currently marks the 2025-26 Medicare low-income thresholds as proposed and not yet law.
Official source links
Disclaimer: Estimates are for scenario planning only. Final tax outcomes depend on your complete repayment income, offsets, deductions, private health cover status, Medicare exemptions, reportable fringe benefits, reportable super contributions, investment losses, and ATO assessment.
Australian income tax brackets for 2026–27
The table below shows the resident marginal tax rates for Australian residents in the 2026–27 financial year, including the reduction of the lowest non-zero rate to 15% from 1 July 2026.
Taxable Income
$0 – $18,200
Tax on this income
Nil
Taxable Income
$18,201 – $45,000
Tax on this income
15c for each $1 over $18,200
Taxable Income
$45,001 – $135,000
Tax on this income
$4,020 + 30c for each $1 over $45,000
Taxable Income
$135,001 – $190,000
Tax on this income
$31,020 + 37c for each $1 over $135,000
Taxable Income
$190,001 – and over
Tax on this income
$51,370 + 45c for each $1 over $190,000
| Taxable Income | Tax on this income | Marginal Rate |
|---|---|---|
| $0 – $18,200 | Nil | 0% |
| $18,201 – $45,000 | 15c for each $1 over $18,200 | 15% |
| $45,001 – $135,000 | $4,020 + 30c for each $1 over $45,000 | 30% |
| $135,001 – $190,000 | $31,020 + 37c for each $1 over $135,000 | 37% |
| $190,001 – and over | $51,370 + 45c for each $1 over $190,000 | 45% |
Source: Australian Budget and ATO. These rates apply to Australian resident individuals only and exclude the Medicare Levy of 2%.
Marginal rate — visualised
Bar widths are proportional to the marginal rate. Maximum marginal rate is 45%.
$18,200
Tax-Free Threshold
12.0%
Super Guarantee
2%
Medicare Levy
45%
Top Marginal Rate
How the resident tax cuts change your rate
Effective resident income tax rates at common salary levels, comparing the 2022–23 table with the 2026–27 resident table.
Estimates compare resident income tax only. They exclude Medicare Levy, offsets, deductions, HELP/STSL, and other individual factors.
How is Australian income tax calculated?
Australia uses a progressive (marginal) tax system — each bracket of income is taxed at progressively higher rates. This calculator helps you estimate your weekly, fortnightly, and monthly take-home pay by applying these official ATO rates to your annual salary.
On top of income tax, most Australian residents also pay a Medicare Levy of 2%. High-income earners without private hospital cover may also pay the Medicare Levy Surcharge (1%–1.5%). If you have a HELP or STSL student debt, compulsory repayments are calculated based on your repayment income.
The Low Income Tax Offset (LITO) reduces the amount of tax payable for individuals earning below $66,667, providing up to $700 in offset.
Income Tax
Calculated on taxable income using ATO progressive brackets. Reduced by the Low Income Tax Offset (LITO) for earnings below $66,667.
Medicare Levy
2% of taxable income for most Australian residents. Reduced or waived for low-income earners below the Medicare Levy threshold.
Medicare Levy Surcharge
Additional 1%–1.5% for singles earning above the selected-year threshold without approved private hospital insurance. Family thresholds use partner income where supplied.
HELP / STSL Repayment
Mandatory marginal repayments on student debt starting above $67,000 from 2025–26 onwards.
Superannuation
Employer contributions at 12.0% paid on top of salary, or deducted from a package-inclusive salary arrangement.
Understanding your tax & pay
Australian tax can be complex. Whether you are estimating your weekly take-home pay, managing a second job, or planning for a tax refund, understanding the basics can help you avoid surprises at tax time.
Weekly vs. Annual Tax
Your employer withholds tax each pay cycle (weekly, fortnightly, or monthly) based on the assumption that you will earn that same amount every pay period for the entire year. If your income fluctuates (e.g., overtime, bonuses, or unpaid leave), the total tax withheld might differ from your actual annual liability, potentially leading to a tax refund or a tax bill.
The Second Job Tax Trap
Australia has a tax-free threshold of $18,200, which you can usually only claim from one employer at a time. If you work a second job, you should not claim the threshold for that income. Your second employer will withhold tax at a higher rate (usually starting at the lowest marginal rate) to ensure you have paid enough tax across both incomes by year-end.
Estimating Your Tax Refund
A tax refund occurs when the tax withheld from your pay during the year is higher than your actual tax liability. This often happens if you have work-related deductions (like uniform, tools, or home office expenses) that reduce your taxable income. Use this calculator to see your base liability, then discuss potential deductions with a tax agent.
Student Loan (HELP) Repayments
Compulsory repayments for HELP, VSL, and STSL debts are calculated on your Repayment Income, which includes your taxable income plus any net investment loss, reportable fringe benefits, and reportable super contributions. Repayments start once repayment income exceeds $67,000 under the ATO marginal system from 2025–26 onwards.
Common tax calculator questions
What are the 2026–27 income tax brackets in Australia?
For Australian residents in 2026–27: $0–$18,200 (0%), $18,201–$45,000 (15%), $45,001–$135,000 (30%), $135,001–$190,000 (37%), $190,001+ (45%). The 2026–27 resident rate cut reduces the lowest non-zero rate from 16% to 15%.
How is the Medicare Levy calculated?
The Medicare Levy is generally 2% of taxable income for Australian residents, with low-income reductions or exemptions. The calculator uses the ATO-published single thresholds of $28,011 lower and $35,013 upper, and family thresholds of $47,238 lower and $59,047 upper plus dependent increments. ATO currently flags the 2025–26 low-income threshold changes as not yet law, and final 2026–27 low-income thresholds may be published later.
What is the Medicare Levy Surcharge (MLS)?
The MLS is an additional 1%–1.5% charge for Australian residents above the income thresholds who do not hold approved private hospital insurance. For 2026–27, the ATO thresholds are $105,000 for singles and $210,000 for families, with higher Tier 2 and Tier 3 thresholds and dependent-child adjustments.
How are HELP / STSL debts repaid?
From 2025–26 onwards, HELP and STSL repayments use a marginal system. You pay nothing on repayment income up to $67,000, then 15% on the portion between $67,000 and $125,000, and 17% on the portion between $125,000 and $179,285. If repayment income exceeds $179,285, the repayment is 10% of total repayment income.
What is the Superannuation Guarantee rate for 2026–27?
The general Superannuation Guarantee rate is 12.0% for 2026–27. Employers must pay super on top of base salary unless your salary is package-inclusive, where super is included in the package amount.
How do foreign resident tax rates differ?
Foreign residents pay tax from dollar one with no tax-free threshold and are generally not liable for the Medicare Levy. The current ATO foreign resident table is 0–$135,000 (30%), $135,001–$190,000 (37%), and $190,001+ (45%).
Can I use this as a weekly or fortnightly pay calculator?
Yes. While the calculator processes annual figures, it breaks down your results into weekly, fortnightly, and monthly pay cycles. This helps you budget your take-home pay and understand your estimated annual tax position.
How is tax calculated on a second job?
If you have a second job, you generally cannot claim the tax-free threshold on that income. This means the second employer will usually withhold at a higher rate to reduce the risk of an end-of-year tax bill. Use this calculator by combining income streams to estimate the annual position.
Is this calculator accurate for my tax return?
This calculator is a source-backed estimate for scenario planning, not a final ATO assessment. It does not account for every offset, deduction, fringe benefit, reportable super contribution, investment loss, Medicare exemption, or private-health detail. For a precise assessment, consult a Numberz tax agent.
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