Australia Income Tax Calculator
Take-home pay after 2026-27 ATO tax brackets and the Medicare levy.
🔒 Runs entirely in your browser — nothing here is ever uploaded
About the Australia Income Tax Calculator
Calculates 2026-27 Australian take-home pay from an annual taxable income, applying ATO resident individual tax brackets plus the 2% Medicare levy (with its low-income phase-in).
- Enter your annual taxable income.
- Read your take-home pay, income tax, and Medicare levy in the result panel.
$80,000 taxable income: $0 on the first $18,200, 15% on the next $26,800 ($4,020), 30% on the remaining $35,000 ($10,500), for $14,520 income tax, plus the full 2% Medicare levy ($1,600) — leaving about $63,880 take-home pay, an effective rate of roughly 20.2%.
| Bracket | Taxable income | Rate |
|---|---|---|
| Tax-free threshold | Up to $18,200 | 0% |
| 2nd bracket | $18,201 – $45,000 | 15% |
| 3rd bracket | $45,001 – $135,000 | 30% |
| 4th bracket | $135,001 – $190,000 | 37% |
| 5th bracket | Over $190,000 | 45% |
Uses 2026-27 resident tax brackets, including the 16%→15% second-bracket cut effective 1 July 2026. Assumes Australian tax residency and doesn't model HECS/HELP repayments, the Medicare Levy Surcharge, or the Low Income Tax Offset. Not tax advice.
- • The second-bracket rate dropped from 16% to 15% on 1 July 2026 — a further legislated cut to 14% is scheduled for 1 July 2027.
- • The Medicare levy is separate from private health insurance — even people with private cover generally still pay the 2% levy.
- • This tool doesn't include HECS/HELP repayments, an additional percentage of income above a separate threshold for anyone with an outstanding student loan balance.
- Superguide — Australian income tax brackets and rates — accessed 2026-08-30
- Wage Calculator — ATO Tax Rates 2026-27 — accessed 2026-08-30
Illustrative estimate only, not financial or tax advice. Verify figures with a licensed adviser or your local tax authority.