Income Tax Calculator Australia
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Estimate your Australian income tax, Medicare levy and take-home pay for the 2025–26 financial year. This calculator uses ATO individual tax rates for residents and non-residents, applies the 2% Medicare levy with the standard low-income phase-in, and includes the Low Income Tax Offset (LITO) where applicable.
Your details
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Your tax and take-home pay
Net annual take-home
—
after tax and levy
Income tax
—
after offsets
Medicare levy
—
2% of taxable income
Total tax
—
income tax + levy
Per month
—
net pay
Per fortnight
—
net pay
Per week
—
net pay
Effective tax rate
—
—
How to use this calculator
- Enter your annual gross (pre-tax) income.
- Select whether you are an Australian resident or non-resident for tax purposes.
- Tick the Medicare levy box if you are entitled to Medicare and don’t qualify for the low-income exemption.
- Read the headline net annual figure for your take-home pay, then compare the per-period breakdowns to your payslip.
- If you’re close to a Medicare Levy Surcharge threshold or have HECS debt, your actual tax will differ from this estimate.
Key assumptions
- ATO individual income tax rates for the 2025–26 financial year.
- Medicare levy of 2% above the single threshold of $27,222, with a phase-in to $34,027.
- Low Income Tax Offset (LITO) applied for residents with taxable income up to $66,667.
- No HECS/HELP repayments, Medicare Levy Surcharge, study loan, capital gains, division 293 tax or other offsets are included.
- No salary sacrifice, deductions, dependants or family income tests are considered.
- Working holiday makers (subclass 417/462) use a different schedule and are not modelled.
Frequently asked questions
What are the 2025–26 Australian tax brackets?
For Australian residents: $0–$18,200 nil; $18,201–$45,000 at 16%; $45,001–$135,000 at 30%; $135,001–$190,000 at 37%; over $190,000 at 45%. The Medicare levy of 2% sits on top of these rates for most residents.
Why is my actual take-home pay different from this calculator?
Common reasons include HECS/HELP loan repayments, salary sacrificing into super, the Medicare Levy Surcharge if you don’t hold private hospital cover above certain incomes, fringe benefits, capital gains, deductions and offsets, and your employer’s use of weekly or fortnightly PAYG withholding tables which don’t exactly equal the annual amount.
Do non-residents pay the Medicare levy?
Generally no. Non-residents are not entitled to Medicare benefits and are therefore not liable for the Medicare levy. They also don’t receive the $18,200 tax-free threshold, and they pay 30% from the first dollar.
What is the Low Income Tax Offset (LITO)?
LITO is a tax offset (not a refund) for Australian residents with lower taxable incomes. The maximum offset of $700 applies up to $37,500, then phases out at 5 cents per dollar to $45,000, and again at 1.5 cents per dollar to $66,667 — at which point it becomes zero.
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This calculator provides general estimates only and is not financial advice. Please consult a licensed financial adviser before making any financial decisions.