An Australia income tax calculator shows exactly how much of your salary you keep after income tax, Medicare levy, HELP repayments, and superannuation for the 2025-26 financial year. Whether you are evaluating a job offer, planning your budget, or comparing salary packages, understanding your take-home pay is essential. This tool uses the latest post-Stage 3 tax cut rates and includes the Low Income Tax Offset (LITO).
Your Income Details
Affects Medicare Levy Surcharge for incomes over $93,000
Compulsory repayments based on your income
Toggle on if your package includes super (salary sacrifice)
Annual Breakdown — 2025-26
Employer Super Contribution
Tax Breakdown
Pay Period Breakdown
| Item | Annual | Monthly | Fortnightly | Weekly |
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Uses 2025-26 Australian financial year rates. This is an estimate — verify with the ATO for official calculations.
How to Use the Australia Income Tax Calculator
Understanding your Australian income tax obligations is essential for budgeting and financial planning. Your gross salary is reduced by income tax, the Medicare levy, and potentially HELP repayments and the Medicare Levy Surcharge before it becomes your take-home pay. This free calculator uses the 2025-26 financial year rates including the Stage 3 tax cuts and the Low Income Tax Offset to give you an accurate estimate of what you will actually receive.
Step 1: Enter Your Annual Income
Type your annual gross salary into the income field. This should be your base salary before any deductions. If your salary package includes superannuation, toggle the "Super is included in my salary" option and the calculator will separate the 12% super component from your base salary before calculating tax. Most employment contracts in Australia quote salary exclusive of super, so leave this toggle off unless you know otherwise.
Step 2: Select Your Residency Status
Choose whether you are an Australian resident, non-resident, or working holiday maker. This significantly affects your tax calculation. Residents receive the $18,200 tax-free threshold and the Low Income Tax Offset (LITO). Non-residents pay tax from the first dollar at higher rates and are not eligible for LITO or the Medicare levy. Working holiday makers pay a flat 15% on the first $45,000 and standard rates above that.
Step 3: Configure Your Options
Toggle private health insurance on if you have hospital cover. Without it, earners above $93,000 pay the Medicare Levy Surcharge of 1% to 1.5% on top of the standard 2% Medicare levy. If you have a HELP or HECS debt, enable that toggle to see compulsory repayments. HELP repayments range from 1% to 10% of your repayment income depending on your earnings, starting at $54,435 for 2025-26.
Step 4: Review Your Results
The results display your income tax (after LITO), Medicare levy, any MLS or HELP repayment, employer super contribution, and your final take-home pay. The effective tax rate shows the overall percentage of your salary going to tax and levies, while the marginal rate shows the tax rate on your next dollar of income. The period breakdown table shows your pay across annual, monthly, fortnightly, and weekly timeframes, which is useful for budgeting and comparing job offers.
Understanding the Stage 3 Tax Cuts
The 2025-26 tax rates reflect the revised Stage 3 tax cuts that took effect on 1 July 2024. The 19% bracket was reduced to 16%, the 32.5% bracket was reduced to 30% and its upper threshold increased to $135,000, and the 37% bracket now covers $135,001 to $190,000. These changes mean most Australian taxpayers pay less tax compared to previous years, with the biggest benefit going to middle-income earners.
FAQ
Is this Australia income tax calculator free?
Yes, this calculator is completely free with no signup, no account, and no limits. All calculations run locally in your browser using JavaScript. You can calculate tax for any income level, residency status, and options as many times as you need at no cost.
Is my salary data private?
Absolutely. All calculations happen entirely in your web browser using client-side JavaScript. No salary figures or personal information are ever sent to any server or stored anywhere. You can disconnect from the internet after loading the page and the calculator will still work.
What tax year does this calculator use?
This calculator uses the 2025-26 Australian financial year tax rates (1 July 2025 to 30 June 2026). It includes the Stage 3 tax cut rates, the Low Income Tax Offset (LITO), the 12% super guarantee rate, and current Medicare levy thresholds. Rates are based on ATO published schedules.
What are the 2025-26 Australian tax brackets?
For Australian residents, the 2025-26 tax brackets are: 0% on income up to $18,200, 16% from $18,201 to $45,000, 30% from $45,001 to $135,000, 37% from $135,001 to $190,000, and 45% on income above $190,000. The Low Income Tax Offset (LITO) provides up to $700 additional tax relief for lower incomes.
How does the Medicare Levy work?
The Medicare Levy is 2% of your taxable income, funding Australia's public healthcare system. Low-income earners below $26,000 (single) are exempt, with a phase-in range up to around $32,500 where a reduced rate applies. The Medicare Levy Surcharge of 1% to 1.5% applies to higher earners above $93,000 who do not hold private hospital cover.
How are HELP repayments calculated?
HELP (formerly HECS) repayments are based on your repayment income, which includes taxable income plus certain other amounts. For 2025-26, repayments start at 1% when income exceeds $54,435 and increase progressively to 10% for incomes above $151,201. Repayments are collected through the tax system and are not a separate tax.
What is the super guarantee rate for 2025-26?
The Superannuation Guarantee rate is 12% from 1 July 2025. This is paid by your employer on top of your salary. If your salary package includes super, toggle the 'Super included in salary' option to calculate your base salary after the 12% super is removed. The calculator shows both your take-home pay and the employer super contribution.
What is the difference between resident and non-resident tax rates?
Australian residents for tax purposes receive the tax-free threshold of $18,200 and pay progressive rates from 16% to 45%. Non-residents pay tax from the first dollar at 30% up to $135,000, 37% up to $190,000, and 45% above that. Non-residents also do not receive the Low Income Tax Offset and are not liable for the Medicare Levy.