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Estimate your tax refund or amount owing by comparing tax withheld (PAYG) to your calculated tax liability.
Enter your taxable income and total tax withheld for the year. The calculator uses the same ATO rates as our salary tax calculator (income tax, Medicare levy, Medicare Levy Surcharge, HELP/HECS) to estimate your result. This is for estimation only — your actual outcome depends on your full return.
Official sources: ATO – Tax rates and codes · ATO – Simple tax calculator
Your taxable income after deductions (from your tax return or notice of assessment).
Total PAYG withheld from your payslips for the year (from your payment summary).
Optional. Included in HELP repayment income. Leave 0 if not applicable.
Appropriate cover for full year — no Medicare Levy Surcharge
Repayment calculated from repayment income
Tax Withheld
$15,000
Total Tax Liability
$16,342
Estimated Amount Owing
$1,342
You may need to pay this when you lodge your return.
This is an estimate only. Your actual refund or amount owing depends on your full return (deductions, offsets, other income). Use the ATO myTax or a registered tax agent for your actual assessment.
Your employer withholds tax from each pay based on ATO tax tables (PAYG withholding). At tax time, the ATO calculates your actual tax liability based on your total taxable income, deductions and offsets.
If your employer withheld more tax than you owe, you get a refund. If they withheld less — for example, because of a second job, investment income or fewer deductions than expected — you may have an amount owing.
Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.
Rates and thresholds last updated for the 2024–25 financial year.