Australia Tax Calculator 2026–27: take-home pay & ATO rates

Enter your pay to see your take-home pay after income tax and the Medicare levy for 2026–27 or 2025–26, using the ATO's resident tax rates, the low income tax offset and the new $1,000 standard deduction.

2026–27 income year (1 July 2026 to 30 June 2027), Australian resident
	Year	Month	Fortnight
Gross pay	$80,000.00	$6,666.67	$3,076.92
Income tax	-$14,220.00	-$1,185.00	-$546.92
Medicare levy	-$1,580.00	-$131.67	-$60.77
Take-home pay	$64,200.00	$5,350.00	$2,469.23

Australian resident tax rates 2026–27

Income year 1 July 2026 to 30 June 2027 (ATO). Not including the 2% Medicare levy.
Taxable income	Tax on this income
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

In 2025–26 the second rate was 16%, so the amounts at each threshold were $4,288, $31,288 and $51,638. The cut to 15% from 1 July 2026 is law, and the rate falls again to 14% from 1 July 2027.

What else changes your tax

Low income tax offset: up to $700 off your tax if your taxable income is $37,500 or less, falling by 5c per dollar to $325 at $45,000 and then by 1.5c per dollar to nil at $66,667. It can reduce your income tax to zero but not your Medicare levy.
Medicare levy: 2% of taxable income, nothing for a single person on $28,011 or less, and phased in up to $35,013.
Standard deduction: from 2026–27, up to $1,000 for work-related expenses comes off your income automatically. Claim your real expenses instead only if they are more.

Worked example: $80,000 in 2026–27

The $1,000 standard deduction brings taxable income to $79,000. Tax is $4,020 on the first $45,000 plus 30% of the $34,000 above it: $14,220.00. There's no low income tax offset at this income. The Medicare levy is 2% of $79,000: $1,580.00. Take-home pay is $64,200.00 a year, $5,350.00 a month or $2,469.23 a fortnight. Your employer also pays $9,600.00 of super. The same pay in 2025–26 left $63,612.00, so the rate cut and the new deduction are worth $588.00 a year.

On $40,000 the low income tax offset matters: taxable income $39,000, tax $3,120.00 less a $625.00 offset = $2,495.00, plus a $780.00 Medicare levy, leaving $36,725.00.

Packages that include super

Employers pay super guarantee of 12% on top of your ordinary pay, up to a maximum contribution base ($270,830 of pay in 2026–27). If a job is advertised as a total package "including super", tick the box: a $112,000 package is a $100,000 salary plus $12,000 super, and tax is worked out on the salary.

Not included

HELP and other study loan repayments, the Medicare levy surcharge for higher earners without private hospital cover, family and senior Medicare thresholds, the seniors and pensioners tax offset, and rules for foreign residents and working holiday makers. The $250 Working Australians tax offset starts in 2027–28. Comparing with a job overseas? The tax calculator also covers the US, UK, Canada and India, and the salary calculator turns an hourly rate into a yearly one.

Rates checked on 2 October 2026 against the ATO's tax rates for Australian residents, low income tax offset, Medicare levy reduction, standard deduction and super guarantee pages. An estimate, not tax advice.

Frequently asked questions

What are the Australian tax rates for 2026–27?

For residents: nil on the first $18,200 of taxable income, 15% from $18,201 to $45,000, 30% to $135,000, 37% to $190,000 and 45% above that, plus the 2% Medicare levy. The 15% rate replaced 16% on 1 July 2026, and it is legislated to fall to 14% on 1 July 2027.

How much can I earn before I pay tax?

The tax-free threshold is $18,200, but the low income tax offset (up to $700) cancels the tax on the next slice too, so you pay no income tax on a taxable income up to about $22,866 in 2026–27 ($22,575 in 2025–26). The Medicare levy starts above $28,011 for a single person.

What is the $1,000 instant tax deduction?

From the 2026–27 income year, workers get a standard deduction of up to $1,000 for work-related expenses without keeping receipts. It's applied automatically when you lodge. If your real work expenses are more than $1,000 you can claim them instead, with records. The calculator includes it for 2026–27; enter your expenses only if they are higher.

How is the Medicare levy worked out?

It's 2% of your taxable income. Single people with a taxable income of $28,011 or less pay none, and between that and $35,013 they pay 10c for each dollar over the lower threshold instead. For example, $29,000 gives a levy of $98.90. These are the 2025–26 thresholds; the 2026–27 ones are normally announced in the May Budget, so the calculator uses the 2025–26 ones until then.

Why is my payslip different?

Your employer withholds tax with the ATO's pay-period tax tables, which round and spread the yearly tax across your pays. This calculator works out the tax for the whole year, as your tax return does, so each pay can differ by a few dollars. A big difference usually means you haven't claimed the tax-free threshold with this employer, or you have a HELP debt.

Does it include super and HELP?

Super guarantee (12%) is paid by your employer on top of your salary, so it isn't taken from your take-home pay; tick 'My pay includes super' if your offer is a total package. HELP and other study loan repayments, the Medicare levy surcharge and the seniors and pensioners tax offset aren't included.