Your Salary.
Your Real Take Home.

Australian income tax is calculated using a progressive bracket system. The first $18,200 you earn is completely tax-free. From $18,201 to $45,000 you pay 16 cents per dollar (reduced from 19% after the Stage 3 tax cuts). From $45,001 to $135,000 you pay 30 cents per dollar. From $135,001 to $190,000 you pay 37 cents per dollar. Above $190,000 you pay 45 cents per dollar. You only pay the higher rate on the income in each bracket — not on your total salary.

The Medicare Levy is an additional 2% tax on your taxable income that funds Australia's Medicare public health system. Most Australian residents pay it. You may be exempt if your income is below the low-income threshold (around $26,000 for individuals), if you hold a Medicare Entitlement Statement, or if you qualify for a reduction. Higher income earners without private health insurance may also pay the Medicare Levy Surcharge (an additional 1–1.5%).

No. Superannuation (11.5% from 1 July 2024, rising to 12% from 1 July 2025) is paid by your employer on top of your salary. It does not reduce your take-home pay. It goes into your nominated super fund and is locked away until retirement (generally age 60). This calculator shows super separately so you can see your total employment cost to your employer.

HECS-HELP repayments are compulsory once your repayment income exceeds the minimum threshold (around $54,435 for 2024-25). Repayments are made through the tax system — your employer withholds an additional amount from your pay, or you pay it when you lodge your tax return. Repayment rates range from 1% to 10% of your income depending on how much you earn. The debt is indexed to CPI each year on 1 June.

Your marginal tax rate is the rate you pay on your last dollar of income — the rate of the highest bracket you've entered. Your effective tax rate is the average rate you pay across your entire income. For example, on $85,000 your marginal rate is 30%, but your effective rate is much lower (around 19%) because a large portion of your income is taxed at lower rates. The effective rate is a more accurate picture of your overall tax burden.

Yes. This calculator uses the 2025–2026 tax rates which include the Stage 3 tax cuts that took effect from 1 July 2024. The key changes were: the 19% rate on income $18,201–$45,000 was reduced to 16%; the 32.5% rate on income $45,001–$120,000 was reduced to 30%; and the threshold for the 37% rate was raised from $120,000 to $135,000.

This calculator provides a general estimate based on ATO tax rates for 2025–2026. It does not account for tax offsets (such as the Low Income Tax Offset or Low and Middle Income Tax Offset), salary sacrifice arrangements, investment income, rental income, capital gains, or deductions. For a precise calculation, use the ATO's official tax withheld calculator or consult a registered tax agent.