Tool · Calculator
Income Tax Calculator
Estimate your Australian income tax, Medicare levy, and take-home pay using the 2025-26 resident tax rates. See your net pay per week, fortnight, month, or year.
Enter your annual taxable income to estimate your income tax, Medicare levy, and what you actually take home. Switch the breakdown to weekly, fortnightly, or monthly to see your net pay the way it hits your account.
Income Tax & Take-Home Pay
Estimate your Australian resident income tax, Medicare levy, and what actually lands in your account, using the 2025-26 tax rates.
Take-home pay per year
$70,412.00
Income tax
$17,788
Medicare levy
$1,800
Net (annual)
$70,412
Your effective tax rate is 21.8% of gross income. This excludes the tax-free threshold tricks, HELP/HECS repayments, the low income tax offset, and salary-sacrificed super - so it's a baseline, not a payslip.
Estimates using the 2025-26 resident rates only. It ignores HELP/HECS, tax offsets, the Medicare Levy Surcharge, and salary sacrifice, and it isn't tax or financial advice.
Frequently asked questions
- What are the 2025-26 Australian resident tax rates?
- Income up to $18,200 is tax-free. From $18,201 to $45,000 the rate is 16%. From $45,001 to $135,000 it is 30%. From $135,001 to $190,000 it is 37%. Income above $190,000 is taxed at 45%. These are marginal rates, so each rate applies only to the income within that band.
- What is the Medicare levy?
- Most Australian residents pay a Medicare levy of 2% of taxable income to help fund the public health system. Low earners pay a reduced levy or none at all - it phases in above roughly $27,222 for singles. High earners without private hospital cover may also pay the Medicare Levy Surcharge, which this calculator does not include.
- What's the difference between my marginal and effective tax rate?
- Your marginal rate is the rate applied to your last dollar earned - the top band your income reaches. Your effective rate is total tax divided by total income, which is always lower because the first $18,200 is tax-free and lower bands are taxed at lower rates.
- Does this include HECS/HELP, offsets, or salary sacrifice?
- No. It estimates income tax plus the Medicare levy on a straight taxable income. It excludes HELP/HECS repayments, the low income tax offset, the Medicare Levy Surcharge, and pre-tax deductions like salary-sacrificed super. Use it as a baseline and check your payslip for the full picture.