Australia pay and tax calculator 2026–27
Work out your take-home pay after income tax, Medicare levy and HELP repayments for 2026–27, with the new 15% bottom rate, plus the super your employer pays.
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From 1 July 2026 the tax rate on income between $18,201 and $45,000 fell from 16% to 15%. The calculator uses the 2026–27 rates by default, and you can switch to 2025–26 to compare.
How your pay is worked out
Example: $85,000 salary plus super, 2026–27.
- Income tax: $4,020 on the first $45,000, plus 30% of the $40,000 above it: $16,020.
- Medicare levy: 2% of $85,000: $1,700.
- Take-home pay: $67,280 a year, or $2,587.69 a fortnight.
- Your employer also pays 12% super, $10,200, into your super fund. It doesn’t come out of your pay.
The same salary in 2025–26 had $16,288 tax, so the new rate saves $268 a year at this income.
Tax rates 2026–27 (residents)
| Taxable income | Tax |
|---|---|
| $0 to $18,200 | Nil |
| $18,201 to $45,000 | 15c for each $1 over $18,200 |
| $45,001 to $135,000 | $4,020 plus 30c for each $1 over $45,000 |
| $135,001 to $190,000 | $31,020 plus 37c for each $1 over $135,000 |
| $190,001 and over | $51,370 plus 45c for each $1 over $190,000 |
Offsets and the Medicare levy
- Low income tax offset: up to $700 off your tax if you earn $37,500 or less, reducing to nothing at $66,667. On $40,000 it cuts tax from $3,270 to $2,695.
- Medicare levy: 2% of taxable income. People on low incomes pay less or nothing; for 2025–26 the reduction starts at $28,011 and ends at $35,013. The 2026–27 thresholds haven’t been published yet, so the calculator uses the 2025–26 figures.
- Medicare levy surcharge: if you earn over $105,000 as a single person in 2026–27 and don’t have private hospital cover, you pay an extra 1% to 1.5%. Tick “No private hospital cover” to include it.
HELP and study loans
Since 2025–26, compulsory repayments only apply to income above the threshold, like a tax bracket. For 2026–27 you repay nothing up to $69,528, 15c for each dollar above that up to $129,717, then $9,028 plus 17c for each dollar up to $186,050. Above $186,050 you repay 10% of your whole repayment income. On $130,000 the repayment is $9,076.11.
Salary packages that include super
Some job ads quote a total package including super. Choose “Yes, it’s a package including super” and the calculator divides by 1.12 to find the salary: a $112,000 package is a $100,000 salary plus $12,000 super.
What isn’t included
The calculator assumes you are an Australian resident for tax and claim the tax-free threshold from this employer. It doesn’t include salary sacrifice, family or spouse thresholds for the Medicare levy, fringe benefits, or deductions you claim on your return.
Sources
Common salaries after tax
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