The Australian tax and pay calculator that works both ways (before and after tax).

Nothing, in practice - people search for both. A pay calculator starts from what you earn and tells you what lands in your account; a tax calculator starts from the same number and tells you what comes out. This one does both, and works backwards too: enter your take-home pay and it finds the gross salary that produces it.

Yes. The surcharge is an extra 1% to 1.5% of your income, on top of the 2% Medicare levy, charged to higher earners who do not hold private hospital cover for the full year. In 2026-27 it starts at $105,000 for singles and $210,000 for families, and the family threshold rises $1,500 for each dependent child after the first. Set private hospital cover to “No” and the calculator adds it, tells you which tier you are in, and shows what a basic hospital policy would have to cost to be worth taking instead.

Seven years, from 2020-21 to 2026-27, in the year dropdown. Each year uses its own rules, not just its own brackets - the super guarantee, Medicare thresholds, surcharge tiers, the low and middle income tax offset in 2020-21 and 2021-22, and the study loan scale, which changed from a percentage of your whole income to a marginal system on 1 July 2025.

From 1 July 2026 the rate on income between $18,201 and $45,000 dropped from 16% to 15%. It falls again to 14% from 1 July 2027. Every taxpayer earning over $18,200 gets the benefit, worth up to $268 a year in 2026-27. The study loan repayment threshold also indexed up to $69,528.

Your marginal rate is the tax on your next dollar of income - the bracket you are in. Your effective rate is your total tax divided by your total income, which is always lower because the first slices of your income are taxed at lower rates (the first $18,200 at zero).

Since 1 July 2025 repayments are marginal, like income tax: nothing up to the threshold ($69,528 in 2026-27), then 15c per dollar to $129,717 and 17c above that, capped at 10% of your total income once you pass $186,050. Before 2025-26 it was a flat percentage of your entire income, which is why a small pay rise could cost more than it paid - pick an older year in the dropdown and you will see it.

The same rates as on your first job - there is no separate, higher rate for a second job, and that is the most common misunderstanding about it. What changes is the withholding. You claim the tax-free threshold at one job only, so the second job is withheld from the first dollar, which makes its payslip look heavily taxed. The real answer is what the two jobs cost you added together: turn on “The amount above is a second job” under “Another job”, enter what your main job pays, and the calculator shows the tax assessed on the combined income against what both employers actually withhold - and the gap between them.

Because each employer works out your withholding on their own pay alone, as though it were your only income. Neither of them withholds on the total, so your combined income can be assessed a bracket or two above anything either employer priced, and the difference falls due when you lodge. A study loan makes it sharper again: the compulsory repayment is worked out on your combined income, but two jobs that are each under the repayment threshold will both withhold nothing towards it. You can give an employer a withholding declaration asking them to take out an extra amount each pay — that is the instrument for withholding more, whereas a PAYG withholding variation is an application to have less taken out — or simply set the difference aside yourself.

Only if your total income from all sources will be under $18,200 for the year — otherwise you are not entitled to, and doing it anyway just moves the bill. The threshold is the first $18,200 you earn in a year, and it is one threshold across all your income, not one per employer. Claiming it at two jobs means both employers withhold as though you were getting $18,200 tax-free from them, so between them they leave around $3,000 of tax unwithheld, and you owe it back when you lodge. Claim it at the job that pays you most, and leave it off the other.

Employer super guarantee is 12% of ordinary earnings, paid on top of your gross salary into your super fund. It is shown separately in the results. If your contract quotes a package including super, choose that option and the calculator strips super out first. Salary sacrifice, the concessional cap and Division 293 are all handled under Super, family & novated lease.