Australia tax calculator for 2026-27
Enter your taxable income and this Australia tax calculator estimates your 2026-27 resident income tax, low income tax offset, Medicare levy and take-home pay.
Last updated 2026-27 income year
Estimates only. This is not tax, legal or financial advice.
How to use the Australia tax calculator
- Enter your yearly taxable income: your salary before tax, not including super.
- Press Calculate tax.
- Read your take-home pay per year, month, fortnight and week.
- Check the breakdown for tax before offsets, the low income tax offset and the Medicare levy.
How the Australia tax calculator works
The calculator applies the 2026-27 resident tax rates. The first $18,200 is tax-free, then income is taxed at 15% up to $45,000, 30% up to $135,000, 37% up to $190,000 and 45% above that.
Lower earners also receive the low income tax offset, which reduces the tax bill but can never turn it into a refund on its own. Finally, the Medicare levy of 2% of taxable income is added. People on low incomes pay a reduced levy or none at all; that shade-in is not modelled here, so their result shows slightly too much levy.
Formula
Tax = bracket tax − low income tax offset, never below zero. The offset is $700 up to $37,500; then $700 minus 5 cents for each dollar over $37,500, to $45,000; then $325 minus 1.5 cents for each dollar over $45,000, reaching zero at $66,667.
Medicare levy = 2% × taxable income. Take-home pay = taxable income − tax − Medicare levy.
Example
On $90,000, tax is 15% of $26,800 ($4,020) plus 30% of $45,000 ($13,500), or $17,520. There is no offset at this income, and the Medicare levy is $1,800. Take-home pay is $70,680 a year, about $5,890 a month or $2,718 a fortnight.
On $40,000, bracket tax is $3,270 and the offset is $700 − 5% of $2,500 = $575, so tax is $2,695. With an $800 Medicare levy, take-home pay is $36,505.
Tips and common mistakes
Super is paid on top
Your employer's superannuation guarantee is paid on top of your salary and isn't included here. Enter your salary, not your total package.
Study loans come out through tax
If you have a HELP or other study loan, compulsory repayments are collected through the tax system and lower your take-home pay.
Medicare levy surcharge
Higher earners without private hospital cover may also pay the Medicare levy surcharge of 1% to 1.5%, which isn't included.
Casual or hourly work
Work out your yearly income from an hourly rate first, then enter it here.
Buying a home
Compare your take-home pay with a repayment from the Australia mortgage calculator to set a realistic budget.
Frequently asked questions
Is this for Australian residents only?
Yes. Foreign residents and working holiday makers have different rates and don't get the tax-free threshold.
What is the low income tax offset?
A reduction of up to $700 in tax for people on lower incomes. It shrinks as income rises and ends at $66,667.
Why isn't super included?
Super guarantee contributions are paid by your employer on top of your salary, so they don't come out of the take-home pay shown.
Which year do the rates cover?
The 2026-27 income year, from 1 July 2026 to 30 June 2027.