Income Tax & Pay Calculator Australia
Enter your salary or your hourly rate and we'll work out your income tax, Medicare levy, any HELP/HECS repayment, and exactly what lands in your account each week, fortnight, month and year.
- Gross income$0
- Income tax$0
- Medicare levy (2%)$0
- Medicare levy surcharge$0
- HELP/HECS repayment$0
- Net take-home (year)$0
Enter your salary or hourly rate to see your take-home pay.
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Get your return sorted →General information only, current for the 2025-26 financial year. This is a simplified estimate that applies a flat 2% Medicare levy above the low-income threshold and standard resident rates. It ignores offsets like LITO, salary sacrifice, deductions, part-year residency and other adjustments, and is not personal tax advice. For figures you can rely on, talk to us.
What's Behind the Numbers
Which tax rates does this use?
The resident tax rates for the 2025-26 financial year: nothing on the first $18,200, then 16% to $45,000, 30% to $135,000, 37% to $190,000, and 45% above that. Tax is worked out band by band, so only the income inside each band is taxed at that band's rate. Your marginal rate is the rate on your next dollar; your effective rate is the total tax as a share of your whole income.
How is the Medicare levy handled?
We apply the standard 2% Medicare levy on taxable income once you're above the low-income threshold (around $27,222 for singles), with a simple ramp in between. If you don't hold private hospital cover and earn over $97,000 as a single, the Medicare levy surcharge of 1% to 1.5% may also apply, and we estimate that too. Family thresholds and exact reductions can differ, so treat the levy as indicative.
How does the HELP/HECS repayment work?
From 2025-26 compulsory study loan repayments start once your repayment income passes $67,000 and are worked out on a marginal basis, so you only repay on the income above the threshold: 15c for each dollar from $67,000 to $125,000, then $8,700 plus 17c for each dollar over $125,000, with repayments capped at 10% of income at the top. If you enter your remaining balance, we cap the repayment so your final year isn't overstated. There's no interest, but indexation is applied to the balance each year.
What about super, salary sacrifice and overtime?
From 1 July 2025 the Super Guarantee rate is 12%, paid by your employer on top of the gross figures shown here, so it isn't part of your take-home pay. We show an estimate of that super for context. In hourly mode, overtime hours are paid at your chosen loading (1.5x or 2x) and added to ordinary pay before tax. Salary sacrifice and deductions reduce your taxable income but aren't modelled here.
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