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Australia Tax Calculator (FY 2025-26 — ATO + Medicare + HELP + Super)

Calculate Australian take-home pay for FY 2025-26 with ATO rates, Medicare Levy and Superannuation.

Net annual take-home
$70,412.00
Net annual take-home
$70,412.00
$5,867.67/month
Income tax (after LITO)
$17,788.00
Medicare levy
$1,800.00
Medicare surcharge
$0.00
HELP repayment
$0.00
Superannuation
$10,800.00
Paid by employer
Marginal rate
30%

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How to use the Australia Tax Calculator (FY 2025-26 — ATO + Medicare + HELP + Super)

  1. 1

    Enter your gross annual income

    Type your gross salary in Australian dollars before any deductions. Use the base figure from your contract — clarify whether the package includes super, since "$100K plus super" is $11,500 more total compensation than "$100K including super".

  2. 2

    Toggle resident status and private hospital cover

    Confirm Australian tax residency (non-residents pay flat rates from dollar 1 with no tax-free threshold) and whether you hold private hospital cover. PHC removes the Medicare Levy Surcharge above $97K single.

  3. 3

    Add HELP debt and salary-sacrifice super

    Toggle HELP/HECS if you have a study debt — repayments start at $56,157 and run across 18 bands up to 10%. Add any salary-sacrifice super (capped at $30,000/year concessional including the 12% SG) for instant tax savings.

  4. 4

    Review weekly, fortnightly and monthly take-home

    The result shows take-home plus a breakdown of income tax, Medicare Levy, MLS, HELP and 12% Superannuation Guarantee paid by your employer on top of salary. Watch the marginal rate jump at $135K (30% to 37%).

  5. 5

    Test salary-sacrifice or PHC scenarios

    Bump salary-sacrifice super by $5,000-$10,000 to see exact tax savings (15-30 cents per dollar). Above $97K, compare PHC premiums against MLS savings — they often roughly break even but PHC has health benefits.

What this calculator does

Australian income tax is collected via PAYG (Pay As You Go) withholding by employers, then reconciled via your annual tax return through myGov. The system is fully federal — states do NOT levy income tax (only employer-paid payroll tax above thresholds, which doesn't affect your payslip). On top of income tax you pay the Medicare Levy (2% of taxable income, with low-income exemption below ~$26K) which funds the public health system. If you earn above $97,000 single ($194,000 family) and don't hold private hospital cover, the Medicare Levy Surcharge adds another 1%–1.5%. Superannuation is paid by your employer ON TOP of your salary at 12% (rising to 12% on 1 July 2025) — it goes into your super fund, not your bank account, but it's a real part of your total compensation.

Formula

Take-home = Gross − Income tax − Medicare Levy — MLS — HELP repayment
Income tax
Progressive: 0/16/30/37/45% across 2025-26 brackets, less LITO offset (max $700)
Medicare Levy
2% of taxable income above ~$26K threshold
MLS
1% / 1.25% / 1.5% above $97K/$113K/$151K (single, no PHC)
HELP
1% to 10% across 18 income bands above $56,157 (2025-26)
Super
12% Superannuation Guarantee paid by employer ON TOP of salary, not deducted (rose from 11.5% on 1 Jul 2025)

The Stage 3 tax cuts (delivered 1 July 2025) lowered the 19% rate to 16% and raised the 32.5% threshold from $120K to $135K — an average $1,500/year cut for middle-income earners. The LITO phases out at $1.50 per $100 above $37,500, fully gone at $66,667. HELP/HECS uses non-cumulative thresholds based on "Repayment Income" which adds back salary-sacrificed super and net rental losses.

Worked examples

Example: $90,000 in Sydney with private hospital cover, no HELP debt

Gross: $90,000. PHC: yes. HELP: no.

Income tax = $4,288 + 30% × ($90,000 − $45,000) = $4,288 + $13,500 = $17,788 LITO offset ≈ $0 (phased out above $66,667) Medicare Levy = 2% × $90,000 = $1,800 MLS = $0 (have private hospital cover) Total deductions = $19,588 Take-home = $70,412/year ≈ $5,868/month Super (paid by employer) = 12% × $90,000 = $10,350 into your fund

Example: $120,000 in Melbourne, no PHC, with HELP debt

Gross: $120,000. PHC: no. HELP: yes.

Income tax = $4,288 + 30% × $75,000 = $26,788 Medicare Levy = 2% × $120,000 = $2,400 MLS = 1.25% × $120,000 = $1,500 (no PHC + above $113K) HELP repayment = 7% × $120,000 = $8,400 (12th band) Total deductions = $39,088 Take-home = $80,912/year ≈ $6,743/month Super = 12% × $120,000 = $13,800

Common use cases

  • Comparing Australian job offers — see the actual take-home, not just gross
  • Deciding whether to take out private hospital cover (saves MLS above $97K)
  • Modelling salary-sacrifice super contributions (taxed at 15% inside fund vs marginal rate outside)
  • Forecasting HELP debt payoff timeline based on income trajectory
  • Checking PAYG withholding on your payslip against ATO expected figures
  • Estimating tax refund or amount owing before year-end (30 June)
  • Planning around the $135K bracket where rate jumps from 30% to 37%
  • Comparing Australia take-home vs other countries for relocation decisions

What affects the result

  • Tax residency status — non-residents pay flat rates from dollar 1 (no tax-free threshold)
  • Stage 3 tax cuts effective 1 July 2025 — major change from prior FY
  • Medicare Levy exemption — applies to low-income earners and certain medical conditions
  • Private Hospital Cover — saves MLS but costs $1,500–$3,000+/year in premiums
  • Salary sacrifice super — reduces taxable income; capped at $30K/year concessional contributions
  • HELP / HECS / VET / SFSS — separate balances but same Repayment Income test
  • Working from home deduction — $0.67/hour fixed-rate method or actual costs
  • LITO — up to $700, phases out 37,500 to 66,667 at 5c per dollar

Tips

  • Above $97K single? Run the maths: PHC premium vs MLS savings (often roughly break-even)
  • Salary-sacrifice super up to $30K cap — saves marginal rate – 15% per dollar
  • Keep WFH log (timesheet or diary) for the $0.67/hour deduction
  • Pre-pay deductible expenses (interest on investment loan, professional memberships) before 30 June
  • Lodge by 31 October if self-lodging, or use a registered tax agent for extension to 15 May
  • Use myDeductions app (ATO) throughout the year — saves time at tax time
  • Check your PAYG summaries are correct via myGov before lodging
  • For HELP debt, voluntary repayments before 1 June get indexation discount

Mistakes to avoid

  • Forgetting MLS — costs $900–$1,800 if you earn above $97K without PHC
  • Confusing super (paid by employer ON TOP) with a deduction from your salary
  • Treating "package" salary as base salary — package usually INCLUDES super
  • Missing salary-sacrifice opportunities — super and novated lease both save tax
  • Assuming HELP repayments stop at the threshold — they're calculated on FULL income
  • Ignoring the Stage 3 cuts when comparing to last year's figures
  • Using marginal vs effective rate incorrectly when planning bonuses
  • Not lodging a return when you should — penalties of $313 minimum apply

Frequently asked questions

Are the FY 2025-26 brackets accurate?

Yes — these are the Stage 3 tax cuts that took effect on 1 July 2025, taken from ATO's "Individual income tax rates" page. The 19% rate was cut to 16%, the 32.5% rate to 30%, and the 37% threshold raised from $120,000 to $135,000. The 45% top rate remains above $190,000.

When does the Medicare Levy Surcharge apply?

MLS applies if you DON'T have private hospital cover AND your income for MLS purposes is above $97,000 (single) or $194,000 (family) for 2025-26. The rate is 1% ($97K-$113K), 1.25% ($113K-$151K), or 1.5% (above $151K) — paid on TOTAL income, not just the amount above the threshold.

Is super part of my salary?

It depends on how the offer is worded. "Base salary $100K plus super" means $100K + $11,500 super (total package $111,500). "Total package $100K including super" means $89,686 base + $10,314 super. Always clarify — it's a $10K+ difference.

How does HELP / HECS repayment work?

Once your "Repayment Income" exceeds $56,157 (2025-26), you repay a percentage of your TOTAL income across 18 bands from 1% up to 10% (above $164,748). Repayments are deducted via PAYG withholding by your employer based on your TFN declaration. They reduce your HELP balance after your annual return is lodged.

Do I get the tax-free threshold automatically?

Only if you tick "Yes" to claim it on the TFN declaration with one employer. If you have multiple jobs, you can only claim the threshold from one — the others should be taxed at the higher "no tax-free threshold" rate to avoid an end-of-year tax bill.

How accurate is this vs ATO's Tax Withheld Calculator?

Within $5/year for standard PAYG income. Differences come from: (1) reportable fringe benefits, (2) reportable employer super contributions, (3) net rental income/losses, (4) other supplementary income (capital gains, dividends), and (5) additional offsets like SAPTO or zone tax offset. For binding figures use ATO's Tax Withheld Calculator or the myTax estimator.

When is tax due in Australia?

The Australian tax year runs 1 July to 30 June. Returns are due by 31 October if you self-lodge, or by 15 May the following year if you use a registered tax agent (you must be on their books by 31 October). Refunds typically arrive within 12 days of lodgement via myGov.

Should I salary-sacrifice into super?

For most employees earning above $45K, yes. Salary-sacrificed super is taxed at 15% inside the fund vs your marginal rate (30%+) outside that's a 15-30% tax saving per dollar. The concessional cap is $30,000/year (FY 2025-26, including the 12% employer SG). Use carry-forward unused cap if your super balance is below $500K.

Last reviewed:

Sources & references

Estimates only — not tax advice. Does not include reportable fringe benefits, capital gains, dividend income, foreign income, salary-packaging beyond standard SG, SAPTO/zone offsets, or non-resident rates. For binding figures use ATO's Tax Withheld Calculator or consult a registered tax agent. Tax law changes annually — figures verified for FY 2025-26 (1 July 2025 – 30 June 2026) including Stage 3 tax cuts.

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