Enter your pay and this calculator shows your take-home after income tax, the Medicare levy and HECS/HELP, using the ATO's published FY2026-27 rates. As a reference point, $100,000 a year leaves about $77,480, and $80,000 leaves about $63,880.
Calculate your take-home pay
ATO FY2026-27 rates · residents, foreign residents and working holiday makers
(38h week)
Estimate only, using the ATO's published rates for FY2026-27 (checked 21 August 2026). It assumes a single taxpayer with no dependants and no work deductions, and ignores private health rebates, salary packaging and other individual circumstances. This is not tax or financial advice.
Australian income tax calculator, FY2026-27
Enter a salary as annual, monthly, fortnightly, weekly, daily or hourly and see what actually lands in your account after income tax, the Medicare levy, and optionally a HECS/HELP repayment or the Medicare levy surcharge. Nothing is sent anywhere: the maths runs in your browser.
The default is FY2026-27, the year running now, which is the right basis for a take-home figure. If you are checking a tax return instead, switch the year to FY2025-26, because a return lodged in the second half of 2026 covers the year that ended on 30 June 2026. Sites that quietly leave last year's rates in place are the reason take-home figures on the internet so often disagree with a real pay slip.
Common salaries and what they leave you, FY2026-27
Single Australian residents, including the Low Income Tax Offset and the Medicare levy. Click a salary for its full breakdown.
| Salary | Income tax | Medicare | Take-home a year | A month |
|---|---|---|---|---|
| $50,000 | $5,270 | $1,000 | $43,730 | $3,644 |
| $60,000 | $8,420 | $1,200 | $50,380 | $4,198 |
| $70,000 | $11,520 | $1,400 | $57,080 | $4,757 |
| $80,000 | $14,520 | $1,600 | $63,880 | $5,323 |
| $100,000 | $20,520 | $2,000 | $77,480 | $6,457 |
| $120,000 | $26,520 | $2,400 | $91,080 | $7,590 |
| $150,000 | $36,570 | $3,000 | $110,430 | $9,203 |
| $200,000 | $55,870 | $4,000 | $140,130 | $11,678 |
Income tax is shown after the Low Income Tax Offset, so the columns add up to the salary. Excludes HECS/HELP, salary sacrifice, private health and work deductions. See the full bracket tables.
Where the money actually goes
Four separate things can come out of an Australian salary, and they are governed by four different sets of rules. Getting them straight is most of what people want when they search for a take-home figure.
- Income tax, charged progressively through the brackets, and reduced for lower incomes by the Low Income Tax Offset.
- The Medicare levy, a flat 2% with a phase-in for singles between $28,011 and $35,013.
- The Medicare levy surcharge, an extra 1% to 1.5% for higher earners with no private hospital cover, starting at $105,000 for singles.
- A compulsory HECS/HELP repayment, if your repayment income exceeds $69,528, now calculated on the income above that threshold rather than on your whole income.
Superannuation is not in that list, because super guarantee of 12% is normally paid by your employer on top of your salary rather than out of it.
Frequently Asked Questions
How is income tax calculated in Australia?
Australian income tax is progressive, so each rate applies only to the income inside its band. For FY2026-27 residents pay nil on the first $18,200, 15% to $45,000, 30% to $135,000, 37% to $190,000 and 45% above that. A 2% Medicare levy is charged on top, and most people on lower incomes also get the Low Income Tax Offset.
Which financial year does this calculator use?
FY2026-27 by default, because that is the year you are earning in now. You can switch to FY2025-26 if you are checking a tax return, since a return lodged now covers the year that ended on 30 June 2026.
What is the Medicare levy?
A 2% levy on taxable income that helps fund public healthcare. For singles it is nil at or below $28,011, phases in at 10c in the dollar, and reaches the full 2% at $35,013. Foreign residents and working holiday makers do not pay it.
Does this calculator include HECS or HELP?
Yes, tick the HECS/HELP box. From 1 July 2025 repayments use a marginal system: nil below the threshold, then 15c in the dollar above it, rising to 17c, with a flat 10% of total income at the top. For FY2026-27 the threshold is $69,528.
What changed on 1 July 2026?
The 16% bracket fell to 15%, which is worth up to $268 a year and the same amount for everyone earning above $45,000. A further cut to 14% is legislated for 1 July 2027.
Is this calculator free, and is my data stored?
It is free with no sign-up. Every calculation runs in your browser, so the figures you type are never sent to us and nothing is stored.
Is TaxSnap financial advice?
No. TaxSnap is a calculator and a set of reference guides published by Kilkelly Enterprises. We are not accountants, tax agents or financial advisers, and nothing here is personal advice. Check anything important with the ATO or a registered tax agent.