Income Tax Calculator (Australia)
Find out how much tax you'll pay this year. Enter your income, see your take-home pay, and estimate Medicare levy and optional HELP repayments. If you searched for an ATO tax calculator, tax calculator Australia 2026, or take-home pay after tax, this page is built for that answer.
Reviewed against Australian tax rules for the 2025–26 financial year. Assumes Australian resident.
2025-26 Australian resident tax rates
HELP rates apply to your full income once you cross each threshold.
Enter your income to estimate tax
How income tax is calculated in Australia
Australia uses a progressive tax system. Your income is taxed at increasing rates as it moves through each tax bracket. Only the portion of your income within each bracket is taxed at that bracket's rate.
That is why search terms like "how much tax do I pay on $100k", "after tax salary Australia", or "ATO tax calculator" all map back to the same underlying calculation: resident tax brackets, plus Medicare levy, plus any study loan withholding if relevant.
2025-26 Australian Tax Brackets
| Income Range | Tax Rate | Tax on This Bracket |
|---|---|---|
| $0 – $18,200 | 0% | Nil |
| $18,201 – $45,000 | 16% | 16c for each $1 over $18,200 |
| $45,001 – $135,000 | 30% | $4,288 plus 30c for each $1 over $45,000 |
| $135,001 – $190,000 | 37% | $31,288 plus 37c for each $1 over $135,000 |
| $190,001+ | 45% | $51,638 plus 45c for each $1 over $190,000 |
The Medicare levy of 2% is added on top of your income tax.
HELP / HECS repayments
HELP (formerly HECS) repayments are calculated on your entire repayment income once you cross each threshold. If your income jumps into a higher tier, the new rate applies to all of your income — not just the amount above the threshold. Toggle the HELP/HECS option above to see the compulsory repayment that will be added to your tax bill.
- 2025–26 minimum threshold: $67,000 with a marginal 15% repayment rate
- Highest tier: 10% of total income for incomes above $179,285
- Salary sacrificing into super can legally reduce your repayment income
For a full breakdown of how each bracket works, see Australian tax brackets 2025-26 and our guide to marginal tax rates in Australia.
Worked example: $90,000 salary
Here is how income tax is calculated step-by-step on a $90,000 annual salary for 2025-26:
- $0 - $18,200 at 0% = $0
- $18,201 - $45,000 at 16% = $4,288
- $45,001 - $90,000 at 30% = $13,500
Income tax: $17,788
Medicare levy (2%): $1,800
Total tax: $19,588
Take-home pay: $70,412
Effective tax rate: 21.8% | Marginal rate: 30%
The effective rate (21.8%) is much lower than the marginal rate (30%) because the first $18,200 is tax-free and the next $26,800 is taxed at only 16%. This is how progressive tax works -- you never "lose money" by earning more.
Income tax examples
Here's how much tax you'd pay at common salary levels (including 2% Medicare levy):
| Annual Income | Income Tax | Medicare Levy | Total Tax | Take-Home Pay |
|---|---|---|---|---|
| $60,000 | $8,788 | $1,200 | $9,988 | $50,012 |
| $80,000 | $14,788 | $1,600 | $16,388 | $63,612 |
| $100,000 | $20,788 | $2,000 | $22,788 | $77,212 |
| $120,000 | $26,788 | $2,400 | $29,188 | $90,812 |
| $150,000 | $36,838 | $3,000 | $39,838 | $110,162 |
Tax-saving tip: Salary sacrificing to super can reduce your taxable income and lower your tax bill while boosting your retirement savings.
Common income tax searches
Many people are not looking for a generic tax table. They want a direct answer to questions like:
- How much tax do I pay on a $100,000 salary?
- What is my take-home pay after tax in Australia?
- How much extra tax do I pay if I go over the next bracket?
- Does HELP or HECS get added on top?
This calculator is designed to answer those questions quickly. If you want a page built around a specific salary amount, start with the linked salary guides above.
What does this calculator include?
- Income tax based on 2025-26 ATO tax brackets, including the Low Income Tax Offset (LITO)
- Medicare levy at 2% of taxable income
- Optional HELP/HECS repayments using 2025-26 thresholds
- Australian resident tax rates
What does this calculator not include?
- Senior Australians and Pensioners Tax Offset (SAPTO)
- Private health insurance rebate or Medicare levy surcharge
- Medicare levy reduction for low-income earners (singles under $27,222 may pay less or no Medicare levy)
- Non-resident or working holiday maker rates
- Other deductions or offsets of any kind
This is a simplified estimate. Your actual tax may differ based on your individual circumstances.
Frequently asked questions
How is income tax calculated in Australia?
Does this include Medicare levy?
Is this an official ATO tax calculator?
Does this calculator include HELP or offsets?
Have HELP debt? The HELP Repayment Calculator shows your savings under the new 2025-26 marginal rate system and estimates when you'll pay off your debt.
Is this calculator accurate for freelancers?
Which tax year does this use?
Are these calculations updated for 2025–26?
Tax Accuracy & Sources
Covers Australian resident income tax, Medicare levy, and optional HELP repayment estimates. It does not include all offsets, rebates, or individual exemptions.