OpenTaxCalculator
Updated for 2026–27 · ATO rates

Australian Pay & Tax Calculator 2026–27

See your pay after tax — weekly, fortnightly, monthly or yearly — with the 15% rate that started on 1 July 2026, the Medicare levy, the low income tax offset, HELP repayments and 12% super. Nothing you enter leaves your browser.

Salary sacrifice & private health
Take-home pay per fortnight$2,587.69$67,280 a year · 20.8% average tax · 32% marginal · 2026–27
Per fortnightPer year
Gross pay$3,269.23$85,000
Income tax-$616.15-$16,020
Medicare levy-$65.38-$1,700
Take-home pay$2,587.69$67,280

Your employer also pays $10,200 super guarantee (12%) into your fund. Your payslip will show about $682 withheld per fortnight (ATO tax-free threshold claimed scale); the difference from the annual figure is settled when you lodge your return.

Take-home: $67,280 (79.2%)Income tax: $16,020 (18.8%)Medicare: $1,700 (2.0%)79% kept
  • Take-home $67,280 79.2%
  • Income tax $16,020 18.8%
  • Medicare $1,700 2.0%

Take-home pay vs tax at every salary (2026–27)

$0$45,132$90,263$135,395$180,527$20,000$140,000$260,000
  • Take-home pay
  • Tax, Medicare & HELP

Your result is ready

Take-home pay at common salaries (2026–27)

SalaryIncome taxMedicareTake-home / yearPer fortnightAverage rate
$50,000$5,270$1,000$43,730$1,68212.5%
$60,000$8,420$1,200$50,380$1,93816.0%
$70,000$11,520$1,400$57,080$2,19518.5%
$80,000$14,520$1,600$63,880$2,45720.2%
$90,000$17,520$1,800$70,680$2,71821.5%
$100,000$20,520$2,000$77,480$2,98022.5%
$110,000$23,520$2,200$84,280$3,24223.4%
$120,000$26,520$2,400$91,080$3,50324.1%
$130,000$29,520$2,600$97,880$3,76524.7%
$150,000$36,570$3,000$110,430$4,24726.4%
$180,000$47,670$3,600$128,730$4,95128.5%
$200,000$55,870$4,000$140,130$5,39029.9%

Australian tax calculators

Guides

How this pay calculator works out your take-home pay

Take-home pay is your gross salary minus income tax, the Medicare levy and any compulsory study loan repayment. The calculator follows the order the ATO uses to assess your return, so the annual figure is what you should owe for 2026–27, not just what comes out of each pay.

Super is shown separately because your employer pays 12% on top of your salary, so it does not reduce your take-home pay.

  • Taxable income: gross salary minus any salary sacrifice to super. Work deductions you claim at tax time also lower it.
  • Income tax at resident rates: nothing up to $18,200, 15% to $45,000, 30% to $135,000, 37% to $190,000 and 45% above.
  • Low income tax offset: up to $700 off your tax, reducing from $37,500 and gone at $66,667.
  • Medicare levy: 2% of taxable income. It is reduced or nil below $35,013 for a single person (the latest threshold the ATO has published).
  • Medicare levy surcharge: 1.0% to 1.5% of income if you earn over $105,000 as a single and have no private hospital cover.
  • HELP, VSL and other study loans: a compulsory repayment once repayment income passes $69,528.

What changed in 2026–27: the 15% tax rate

From 1 July 2026 the rate on income between $18,200 and $45,000 fell from 16% to 15%. According to the ATO, the cut is now law and has a second stage: the rate drops again to 14% from 1 July 2027. Parliament passed the change in the Treasury Laws Amendment (More Cost of Living Relief) Act 2025, which received assent on 27 March 2025.

Anyone with taxable income of $45,000 or more saves the full $268 a year (one percentage point on the $26,800 band). Earn less and you save 1c for each dollar above $18,200. At $85,000, take-home pay rises from $67,012 in 2025–26 to $67,280 in 2026–27. The other rates and thresholds have not changed since the stage 3 cuts of 1 July 2024.

Two worked examples: the surcharge and a HELP debt

The table at the top of this page assumes private hospital cover and no study loan. Two settings change the result most. Without private hospital cover, a single person earning $110,000 pays the Medicare levy surcharge of 1.0% on top of the 2% levy, which is $1,100 a year. Take-home pay falls to $83,180.

A HELP debt changes your marginal rate more than most people expect. On $95,000 the 2026–27 compulsory repayment is $3,821, so take-home pay is $70,259. Each extra dollar in that range costs 47% in tax, levy and repayment combined (30% + 2% + 15%). The repayment is not a tax: it reduces your loan balance.

$110,000, no private cover$95,000, HELP debt
Income tax$23,520$19,020
Medicare levy$2,200$1,900
Medicare levy surcharge$1,100$0
HELP repayment$0$3,821
Take-home pay$83,180$70,259

Why your payslip does not match the yearly figure exactly

Your employer withholds tax using the ATO's PAYG withholding formulas, which assume you will earn the same amount every pay for a whole year. On $85,000 that is $682 a fortnight, or $17,732 over 26 pays, against $17,720 of actual tax and levy. The small gap is settled when you lodge.

Bigger gaps usually come from your tax file number (TFN) declaration. The ATO says a second job should withhold at the higher "no tax-free threshold" rate, or you may get a tax bill when you lodge. Most employers must finalise your income statement in myGov by 14 July. The due date to lodge your own return through myTax is 31 October.

Frequently asked questions

How much tax do I pay in Australia in 2026–27?

Residents pay nothing on the first $18,200, then 15% over $18,200, 30% over $45,000, 37% over $135,000, 45% over $190,000, plus a 2% Medicare levy.

Does take-home pay include super?

No. Super guarantee of 12% is paid by your employer into your fund on top of your salary, so it never appears in your take-home pay. If your pay is quoted "including super", the base salary is the package divided by 1.12.

Can I claim the tax-free threshold from two jobs?

Normally you claim it from one job only. The ATO says to select "no tax-free threshold" on the TFN declaration for a second job, so tax is withheld at the higher rate. If you claim it twice, too little tax is taken out across the year, and you can end up with a bill when you lodge, because the $18,200 threshold only applies once to your total income.

How much more will I take home in 2026–27?

Up to $268 a year compared with 2025–26, from the cut in the first rate to 15%. The full amount goes to anyone with taxable income of $45,000 or more. A further cut to 14% from 1 July 2027 is legislated.

Sources

Figures are taken from official government publications and were last reviewed on 2026-10-03.

  1. ATO: Tax rates – Australian resident (Resident tax rates 2026–27 and 2025–26)
  2. ATO: Tax rates – foreign resident (Foreign resident tax rates 2025–26)
  3. ATO: Tax rates – working holiday makers (Working holiday maker tax rates 2025–26)
  4. ATO: Medicare levy reduction for low-income earners (Table: Medicare levy thresholds for a single individual, 2025–26)
  5. ATO: Medicare levy reduction – family income (family taxable income thresholds 2025–26, +$4,338 per dependent child)
  6. ATO: Medicare levy surcharge income, thresholds and rates (MLS income thresholds and rates for 2026–27 and 2025–26)
  7. ATO: Low income tax offset ($700 max; −5c per $1 over $37,500; −1.5c per $1 over $45,000; nil from $66,667)
  8. ATO: Seniors and pensioners tax offset (SAPTO rates and rebate income thresholds for 2025–26; 12.5c per $1 reduction)
  9. ATO: Study and training loan repayment thresholds and rates (Table 1: 2026–27, Table 2: 2025–26)
  10. ATO: Schedule 1 (NAT 1004) – Using a formula (x = whole dollars + 99c; round to nearest dollar, 50c up)
  11. ATO: Personal income tax – new tax cuts for every Australian taxpayer (16% to 15% from 1 July 2026, 14% from 1 July 2027)
  12. ATO: Schedule 15 – Tax table for working holiday makers (Table A: rates for 2026–27, payments from 1 July 2026)
  13. ATO: Schedule 1 – Statement of formulas for calculating amounts to be withheld (NAT 1004), payments from 1 July 2026 – weekly coefficients
  14. ATO: Schedule 1 (NAT 1004) – Withholding amounts sample data, weekly (from 1 July 2026)
  15. ATO: Schedule 8 – Statement of formulas for calculating study and training support loans components (NAT 3539), payments from 1 July 2026
  16. ATO: Key super rates and thresholds – Contributions caps (Table 1.1 concessional, Table 4 non-concessional)
  17. ATO: Understanding concessional and non-concessional contributions (concessional contributions taxed in the fund at 15%)
  18. ATO: Key super rates and thresholds – Division 293 tax (Table 7: $250,000 threshold, 15% rate)
  19. ATO: Key super rates and thresholds – Super guarantee (Table 21 SG %, Tables 23–24 maximum contribution base)
  20. ATO: Key super rates and thresholds – Government contributions (Table 25 co-contribution thresholds; LISTO)
  21. ATO: Low income super tax offset (15% of concessional contributions, max $500, income $37,000 or less)
  22. ATO: Key super rates and thresholds – Transfer balance cap (Table 26)
  23. ATO: Key super rates and thresholds – Payments from super (Table 12 preservation age)
  24. ATO: Key super rates and thresholds – Employment termination payments (Table 17 ETP cap, Table 20 genuine redundancy limits)
  25. ATO: How ETP components are taxed (17%/32% incl. Medicare; $180,000 whole-of-income cap; 45% + 2% above cap)
  26. ATO: How GST works (10% rate)
  27. ATO: Registering for GST ($75,000 / $150,000 non-profit; taxi or limousine travel incl. ride-sourcing regardless of turnover)
  28. ATO: CGT discount (50% individuals and trusts, 33.33% complying super funds, 12-month ownership)
  29. ATO: Tax reform – Reforming negative gearing and capital gains tax (applies from 1 July 2027)
  30. ATO: Changes to company tax rates (25% base rate entity, $50m aggregated turnover, 2021–22 and future years)
  31. ATO: Company tax rates 2025–26
  32. ATO: Instant asset write-off for eligible businesses (Table 1: $20,000, turnover under $10 million)
  33. ATO Small business newsroom: $20,000 instant asset write-off here to stay (permanent from 1 July 2026)
  34. ATO: Small business income tax offset (16%, max $1,000, turnover under $5 million, 2021–22 onwards)
  35. Fair Work Ombudsman: Minimum wage increase starts today (1 July 2025 – $948.00/week, $24.95/hour, casual $31.19)
  36. Fair Work Ombudsman: Minimum wage increase starts today (1 July 2026 – $1,004.90/week, $26.44/hour, casual $33.05)
  37. Fair Work Commission: Annual Wage Review 2026 ([2026] FWCFB 3500, announced 2 June 2026)
  38. Parliament of Australia: Treasury Laws Amendment (More Cost of Living Relief) Bill 2025 (Act No. 28 of 2025, assent 27 March 2025)
  39. ATO: Tax for employees (TFN declaration, no tax-free threshold for a second job, income statements finalised by 14 July)
  40. ATO: Lodge your tax return online with myTax (due date 31 October)