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.
Quick answer: Australia uses progressive tax rates, so only the part of your income in each bracket is taxed at that rate. For 2025-26, most employees and contractors can estimate tax by combining the resident tax brackets with the standard 2% Medicare levy, then adding HELP only if they have a study loan.
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
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
- 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.
FAQ
How is income tax calculated in Australia?
Australia uses progressive tax rates. You pay 0% on the first $18,200, then increasing rates on income above that threshold. Only the portion of income in each bracket is taxed at that bracket's rate.
Does this include Medicare levy?
Yes. The calculator adds the standard 2% Medicare levy to your income tax. It does not account for Medicare levy exemptions or the Medicare levy surcharge.
Is this an official ATO tax calculator?
No. This is an independent calculator built using the current resident tax brackets, Medicare levy settings, and HELP thresholds. It is designed to mirror the core ATO rules for fast estimates, but it is not an official ATO tool and does not include every exemption, offset, or special case.
Does this calculator include HELP or offsets?
Yes, HELP/HECS repayments are included when you tick the toggle above the calculator. The repayment rate is based on the 2025–26 thresholds and is added to your total tax. Offsets and other adjustments are still excluded so the estimate stays fast and simple.
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?
It calculates tax on the taxable income you enter. Freelancers should first subtract allowable business deductions from their gross income to determine taxable income.
Which tax year does this use?
This calculator uses the 2025–26 financial year tax brackets, which apply from 1 July 2025 to 30 June 2026. The rates have been reviewed against current ATO guidance.
Are these calculations updated for 2025–26?
Yes. This calculator has been reviewed against Australian tax rules for the 2025–26 financial year. The income tax brackets and Medicare levy rate remain unchanged from the previous year.
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.
Uses 2025-26 ATO rates.