About This Calculator

Free. Instant. Private. Built for Australians.

OZ Tax Calculator is a free online tool that lets any Australian instantly estimate their take-home pay, income tax, Medicare levy, superannuation, and HECS/HELP repayments for the 2025–2026 financial year. No account needed. No data collected. Just type your salary and get your answer in real time.

What It Calculates

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Income Tax
Progressive bracket calculation using 2025–26 ATO rates including Stage 3 tax cuts.
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Medicare Levy
Standard 2% Medicare levy with toggle to include or exclude from your result.
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Superannuation
Employer super at the current 11.5% rate shown separately alongside your take-home.
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HECS / HELP
Optional HECS repayment estimate based on your repayment income using ATO thresholds.
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Effective Tax Rate
See your average and marginal tax rates at a glance alongside your tax bracket.
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Pay Periods
View results as annual, monthly, fortnightly, weekly, daily or hourly figures.

How It Works

All calculations happen entirely inside your browser using JavaScript. Your salary figures are never sent to any server — they stay on your device. The calculator uses the official ATO tax brackets, Medicare levy rates, super rate, and HECS repayment thresholds for the 2025–2026 financial year.

Who Built This?

OZ Tax Calculator is an independent free tool built to help Australians quickly understand their pay. It is not affiliated with the Australian Taxation Office (ATO) or any government body.

How Accurate Is It?

Results are estimates based on ATO published rates. The calculator does not account for:

For a precise tax calculation, use the ATO's official tax withheld calculator or speak with a registered tax agent.

Who Built This?

OZ Tax Calculator was created by an independent developer to help Australians quickly understand their take-home pay without complex spreadsheets or tax agent fees. It's a free tool supported by Google AdSense advertising.

The calculator performs all computations directly in your browser using JavaScript — your salary data is never transmitted to any server. Your financial information remains completely private and on your device.

Why We Built This

Australian tax calculations involve multiple overlapping systems: progressive income tax brackets, Medicare levy, superannuation, and HECS/HELP repayments. While the Australian Taxation Office provides official tools, they can be complex and overwhelming for quick estimates.

OZ Tax Calculator strips away the complexity and delivers instant, accurate estimates using the official ATO rates and thresholds for 2025–2026. It's perfect for:

Our Commitment to Privacy

Your tax information is sensitive. That's why we built this calculator to run entirely in your browser. We don't store salary data, we don't send it to servers, and we never track or sell your personal information. See our Privacy Policy for full details.

Not Tax Advice

This calculator provides estimates for general information purposes. It does not account for individual tax offsets, deductions, salary sacrifice arrangements, investment income, or other personal circumstances. For accurate tax planning, always consult a registered tax agent or the Australian Taxation Office.

Contact & Feedback

Questions, suggestions, or found a bug? Email us at [email protected]. We read every message and continuously improve based on user feedback.

Disclaimer: This calculator is for general informational purposes only and does not constitute financial or tax advice. Tax calculations are estimates based on published ATO rates for 2025–2026 and do not account for individual circumstances. For personalised advice, consult a registered tax agent or the Australian Taxation Office.