Income Tax Calculator 2026–27

Resident income tax is progressive: each part of taxable income is taxed at the rate for that bracket, rather than all income being taxed at the top rate reached. The annual estimate then allows for applicable offsets, the Medicare levy, any Medicare levy surcharge and any HELP repayment. The resident tax-free threshold is $18,200; different rules apply to non-residents and working holiday makers.

Yes. The ordinary Medicare levy is 2% of taxable income, with reductions for low incomes and exemptions where the rules are met. Household circumstances can change the thresholds. The Medicare levy surcharge is a separate amount for some people without appropriate private hospital cover; this calculator estimates it from the information entered.

Enter your income and choose the weekly pay cycle to see an average weekly take-home estimate. This tool estimates annual tax and splits the result across pay periods. Employers use ATO PAYG withholding schedules and employee declarations for each payment, so the estimate is not an exact weekly withholding calculation. Changes in earnings, offsets and other income can also change the final annual assessment.

On a $100,000 salary (2026–27, resident claiming the tax-free threshold), you pay about $20,220 income tax and $1,980 Medicare levy, leaving roughly $77,800 take-home before super.

From 2026–27 an employee deducts up to $1,000 for work-related expenses automatically whether or not they claim anything, which on a $100,000 salary is worth about $320 in the hand. It works as a floor, not a bonus. Car, travel, tools, uniform, self-education and working-from-home costs count towards the $1,000 rather than adding to it, so a claim below $1,000 leaves your tax exactly where it was and only the amount above $1,000 takes it lower. Records still matter above that point, and they matter for the whole claim if you go past it.

Gifts and donations, personal super contributions you claim a deduction for, investment and interest expenses and the cost of managing your tax affairs all sit outside the standard deduction, so they come off your income in full on top of the $1,000. So do union and professional association fees and income protection, personal sickness and accident insurance premiums — the rule sets those aside even though they are work-related. That is why this calculator asks for work-related expenses and other deductions in separate boxes: putting a donation in the work-expenses box would wrongly use up part of the $1,000.

Not your income tax, but both Medicare charges. The Medicare levy is worked out on your combined taxable income against $47,238 rather than on your own against $28,011, with $4,338 added for each dependent child. The surcharge threshold goes from $105,000 to $210,000 of combined income, plus $1,500 for each dependent child after the first. A spouse who earns nothing still counts — the thresholds move because you have a spouse, not because of what they earn. Open “Spouse, children and pensions” under Deductions & Obligations to enter it. One thing it cannot do: your spouse's income for surcharge purposes is taken as their taxable income, so if they salary sacrifice or have reportable fringe benefits your combined figure is higher than the calculator assumes.

Two things change, and the calculator applies both once you tick the pension question. First, the seniors and pensioners tax offset takes up to $2,230 off your income tax if you are single, or $1,602 each for a couple living together, shading out by 12.5c in the dollar of rebate income above $34,919 and stopping at $52,759. Second, your Medicare levy threshold rises from $28,011 to $44,268. The second depends on the first: you must be entitled to at least one dollar of the offset to use the higher threshold, so someone whose income shades the offset away to nothing goes back to the ordinary threshold. Two limits worth knowing. The figure here does not include any unused offset transferred from a spouse, which needs their exempt pension income, so it is a floor. And the offset is applied when you lodge rather than through PAYG withholding, so your payslips will show more tax than the figure above.

Your salary post tax, also called after-tax or take-home pay, is your gross salary minus income tax, the Medicare levy and any HELP/HECS repayment. Enter your salary above to see it by the year, month, fortnight and week.

For a full-year Australian resident, the first $18,200 of taxable income is covered by the tax-free threshold. Claiming it through an employer affects PAYG withholding, not the existence of the annual threshold. It is generally claimed from one payer at a time. Part-year residency, non-residency and working holiday maker rules can differ.

No. Super is paid on top of your salary by your employer at 12% (2026–27). It's not deducted from your gross pay.

Compulsory repayments apply when your repayment income exceeds the minimum threshold — $69,528 for 2026–27. Repayment income is not the same as your taxable income: it adds back reportable fringe benefits, net investment losses and reportable super contributions. That is why salary sacrificing to super does not reduce the repayment shown above, even though it lowers your taxable income.

For an average weekly take-home estimate, this calculator divides annual net pay across the year's standard pay periods. PAYG withholding is calculated separately on each payment using the ATO schedules and the employee's declaration. A weekly estimate from annual tax can therefore differ from the amount withheld on a payslip. The comparison table shows annual-tax averages, not exact payroll withholding.

Some financial years contain 53 weekly paydays or 27 fortnightly ones rather than 52 or 26. The ATO's withholding tables assume the standard number, so across a 53-pay year slightly too little tax is withheld overall and you can end up with a bill at tax time even though nothing about your job changed. The ATO publishes additional withholding amounts employers can apply if you ask.