Know what you keep
The Australian tax calculator that works both ways.
Enter what you earn for any period - hourly, weekly, monthly or a yearly salary, before or after tax - and see your take-home pay, income tax, Medicare, HELP and super for 2026-27 in one hit.
And that amount is
Your take-home pay
$70,680per year
That's $1,359.23 a week after tax.
Marginal rate
30%
Effective rate
21.5%
Employer super
$10,800
| Weekly | Fortnightly | Monthly | Annually | |
|---|---|---|---|---|
| Gross income | $1,731 | $3,462 | $7,500 | $90,000 |
| Income tax | -$337 | -$674 | -$1,460 | -$17,520 |
| Medicare levy | -$35 | -$69 | -$150 | -$1,800 |
| Take-home pay | $1,359 | $2,718 | $5,890 | $70,680 |
| Employer super (12%) | $208 | $415 | $900 | $10,800 |
Estimates for the 2026-27 year (1 July 2026 - 30 June 2027), for an Australian resident with no dependants, based on published ATO rates and Medicare levy. It leaves out things that are personal to you - deductions, offsets, Medicare surcharge and private health, family thresholds, Division 293. General information only, not tax advice.
Resident tax brackets 2026-27
| Taxable income | Tax on this income |
|---|---|
| $0 - $18,200 | Nil |
| $18,201 - $45,000 | 15c for each $1 over $18,200 |
| $45,001 - $135,000 | $4,020 plus 30c for each $1 over $45,000 |
| $135,001 - $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 |
Rates for Australian residents, excluding the 2% Medicare levy. The 15% rate is new from 1 July 2026 and drops to 14% from 1 July 2027.
Common questions
→What changed in the 2026-27 tax year?
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.
→What is the difference between marginal and effective tax rate?
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).
→How is the Medicare levy worked out?
Most residents pay 2% of taxable income. If you earn under the low-income threshold you pay nothing, and it phases in gradually just above it. High earners without private hospital cover can also pay the Medicare levy surcharge of 1% to 1.5%, which this calculator leaves out.
→How do HELP and HECS repayments work now?
Since 1 July 2025 repayments are marginal, like income tax: nothing on income up to $67,000, then 15c per dollar between $67,000 and $125,000 and 17c per dollar above that. Repayments only kick in once your income passes the threshold.
→Is super included in these numbers?
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.
Popular salaries after tax
Straight answers for the common pay packets - each one has its own page with the full weekly, fortnightly and monthly breakdown for 2026-27.
Hourly rates, annualised
Paid by the hour? See what a rate is worth over a year, before and after tax, on a standard 38-hour week.
The 2026-27 tax cut, in actual dollars
On 1 July 2026 the 16% rate dropped to 15%. Here is what that puts back in your pocket this year, and what the next cut (to 14% on 1 July 2027) adds on top.
| Salary | Saving in 2026-27 | Take-home now |
|---|---|---|
| $40,000 | $218 | $36,505 |
| $60,000 | $268 | $50,380 |
| $80,000 | $268 | $63,880 |
| $100,000 | $268 | $77,480 |
| $150,000 | $268 | $110,430 |
| $200,000 | $268 | $140,130 |
The saving caps at $268 a year once you earn $45,000 or more, because the cut only applies to the $18,201 to $45,000 slice. The 2027 cut doubles it to around $536 against today's settings.
The calculator shows the bill. We shrink it.
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