Australia Tax Calculator 2026
Calculate ATO income tax, Medicare levy, HECS/HELP repayments, and superannuation to estimate your exact take-home pay.
Calculator Options
Salary Distribution
ATO Payroll Period Breakdown
| Withholding | Yearly | Monthly | Fortnightly | Weekly |
|---|---|---|---|---|
| Gross Salary Package | $80,000 | $6,667 | $3,077 | $1,538 |
| Taxable Cash Salary (Base) | $80,000 | $6,667 | $3,077 | $1,538 |
| Superannuation Contribution (Employer) | $9,600 | $800 | $369 | $185 |
| Income Tax (less offsets) | $16,467 | $1,372 | $633 | $317 |
| Medicare Levy | $1,600 | $133 | $62 | $31 |
| Net Pay (Take-Home Cash) | $61,933 | $5,161 | $2,382 | $1,191 |
Calculate your Australian take-home cash pay using our detailed ATO tax calculator. Fully updated for the 2026 tax calendar year with the latest Australian Taxation Office (ATO) brackets, Medicare Levy shading rules, and HELP debt repayment rates.
Enter your gross annual package or base hourly rate. Select whether your contract package is inclusive or exclusive of the statutory 12.0% superannuation guarantee to calculate exact taxable cash salary and employer retirement allocations.
Australia Income Tax Brackets 2026
Australian residents pay income tax on a progressive scale. Tax rates do not include the Medicare Levy (typically 2%) or offsets like LITO.
| Taxable Income Threshold | Tax Rate | Tax Payable in Bracket |
|---|---|---|
| $0 to $18,200 | 0% | $0 |
| $18,201 to $45,000 | 19% | 19c for each $1 over $18,200 |
| $45,001 to $120,000 | 32.5% | $5,092 + 32.5c for each $1 over $45,000 |
| $120,001 to $180,000 | 37% | $29,467 + 37c for each $1 over $120,000 |
| Above $180,000 | 45% | $51,667 + 45c for each $1 over $180,000 |
Medicare Levy and Offsets (LITO)
In addition to standard income tax, Australian taxpayers pay a Medicare Levy equal to 2% of taxable income to support universal healthcare.
Exemptions apply for low-income earners: individuals earning below $26,000 pay no Medicare Levy. A phase-in rate of 10% of the excess over $26,000 applies until it equals 2% of total income at $32,500.
The Low Income Tax Offset (LITO) provides up to $700 of tax relief for earners up to $37,500, phasing out progressively to $0 for incomes above $66,667.
How to Use This Calculator
- Input Gross Pay: Type your salary and select frequency (Annual, Monthly, Fortnightly, Weekly, or Hourly).
- Configure Superannuation: Choose if your salary package is inclusive (base + super) or exclusive (super added on top).
- Toggle HELP student debt: Check this option if you have an outstanding Higher Education Loan Program debt.
- Review Breakdown: Inspect your cash take-home pay, HECS repayment, Medicare Levy, and retirement contributions.
Worked Example: $80,000 Salary (Super Exclusive)
Here is how an $80,000 gross annual base salary (excluding super) is calculated:
- Gross Base Cash: $80,000.
- Superannuation contribution: $80,000 × 12.0% = $9,600 (paid to your super fund by employer).
- Income Tax (ATO): $16,467 raw progressive tax (LITO offset is $0 since income is over $66,667) = $16,467.
- Medicare Levy: $80,000 × 2% = $1,600.
- Net Take-Home Cash: $80,000 − $16,467 (Tax) − $1,600 (Levy) = $61,933 annually ($5,161.08 monthly).
State & Territory Taxes in Australia
In Australia, **personal income tax is collected solely at the federal level** by the Australian Taxation Office (ATO). There are no separate state or territory personal income taxes. This simplifies calculations as tax brackets are identical whether you reside in New South Wales (NSW), Victoria (VIC), Queensland (QLD), or elsewhere.
Superannuation Contribution Rules
The Superannuation Guarantee (SG) is the compulsory system where employers pay a percentage of an employee's ordinary time earnings into a superannuation fund. In 2026, the SG rate is **12.0%**. This is paid in addition to your wage (unless your package agreement specifically states it is super-inclusive).
Frequently Asked Questions
How is superannuation taxed in Australia?
What is the Medicare Levy?
How does the Low Income Tax Offset (LITO) work?
What are the income tax brackets for 2026?
What is the low-income threshold for the Medicare Levy?
How do HECS/HELP repayments work?
Australia Tax Calculator by State & Territory
Australia's income tax is federal — the same ATO rates apply in every state and territory. However, each state has different employer payroll tax thresholds, stamp duty regimes, and cost-of-living contexts. Select your state for a detailed guide: