Australian Salary & Tax Calculator

Last updated: May 2026 | Based on ATO 2025-26 official tax rates (Stage 3 cuts)

Understanding how much tax you pay and what your actual take-home pay will be is essential for budgeting and financial planning. Our free Australian tax calculator uses the official ATO 2025-26 tax brackets (including Stage 3 tax cuts) to calculate your income tax, Low Income Tax Offset (LITO), Medicare Levy, and HECS/HELP repayments. Simply enter your gross annual salary to see a complete breakdown of your tax obligations and net pay across different pay frequencies. You can also explore how salary sacrifice affects your take-home pay.

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Results are estimates for informational purposes only and do not constitute financial advice. Please consult a licensed financial adviser before making any financial decisions.

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How It Works

1

Enter Your Salary

Input your annual gross salary and select your tax options.

2

See Your Tax Breakdown

View income tax, Medicare Levy, HECS, and your take-home pay.

3

Get Expert Advice

Connect with a financial adviser to optimise your tax position.

Frequently Asked Questions

On an $80,000 salary as an Australian resident in 2025-26, you would pay approximately $14,788 in income tax (before LITO) plus $1,600 Medicare Levy. After the Low Income Tax Offset, your total tax is around $14,788. This leaves you with about $63,612 net annual income, or approximately $1,223 per week before any HECS/HELP repayments.
The 2025-26 tax brackets for Australian residents are: $0-$18,200 (0%), $18,201-$45,000 (16%), $45,001-$135,000 (30%), $135,001-$190,000 (37%), and $190,001+ (45%). These brackets reflect the Stage 3 tax cuts implemented from 1 July 2024.
LITO is a tax offset of up to $700 for Australian residents with taxable income under $66,667. You get the full $700 offset if your income is $37,500 or less. It then phases out gradually, reducing by 5 cents per dollar between $37,500 and $45,000, and by 1.5 cents per dollar between $45,000 and $66,667.
The Medicare Levy is a 2% tax on your taxable income that helps fund Australia's public healthcare system. Most Australian residents pay this levy. Low-income earners may be exempt or pay a reduced rate, and there is a Medicare Levy Surcharge of 1-1.5% for high earners without private health insurance.
HECS/HELP is repaid through the tax system once your income exceeds the minimum threshold. Repayment rates range from 1% to 10% of your total income depending on how much you earn. The debt is automatically deducted from your pay if you have a HECS debt.
The tax-free threshold for Australian residents is $18,200 per year. This means you pay no income tax on the first $18,200 you earn. Non-residents do not receive this tax-free threshold and are taxed from the first dollar earned at 30%.
In 2025-26, employers must contribute 12% of your ordinary time earnings to your super fund (the Super Guarantee). This is the final legislated increase and is in addition to your salary, not deducted from it.
Salary sacrifice lets you redirect part of your pre-tax salary into your super fund, reducing your taxable income. Super contributions are taxed at 15% instead of your marginal rate. For example, if you earn $100,000 and sacrifice $10,000, you save tax on that $10,000 at your marginal rate minus 15%.
Non-residents do not receive the tax-free threshold of $18,200 and pay tax from the first dollar earned at 30% (up to $135,000). They also cannot claim the Medicare Levy exemption, LITO, or most other tax offsets.
To calculate fortnightly take-home pay, divide your annual net income by 26 (the number of fortnights in a year). Our calculator does this automatically. For example, if your annual net is $65,000, your fortnightly take-home is $65,000 / 26 = $2,500 approximately.

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