Calculate Your Take-Home Pay
ATO FY2025–26 rates · residents, foreign residents & working holiday makers
(38h week)
Estimates based on ATO rates for FY2025–26. Excludes private health insurance rebates, work deductions, and other individual circumstances. Not tax advice.
Australian Income Tax Calculator — FY2025–26
Work out your take-home pay after tax in seconds. Enter your salary as annual, monthly, fortnightly, weekly, daily, or hourly and see exactly what lands in your account after income tax, the Medicare levy, and (optionally) HECS/HELP repayments.
Every figure uses the ATO's official FY2025–26 rates. You can also switch to FY2026–27 to preview the legislated tax cut, or FY2024–25 to check a prior year.
Common Salaries — Take-Home Pay (FY2025–26)
Australian residents, including LITO and the Medicare levy. Click any salary for a full breakdown page.
| Salary | Income tax | Medicare | Annual take-home | Monthly |
|---|---|---|---|---|
| $50,000 | $5,788 | $1,000 | $43,462 | $3,622 |
| $60,000 | $8,788 | $1,200 | $50,112 | $4,176 |
| $70,000 | $11,788 | $1,400 | $56,812 | $4,734 |
| $80,000 | $14,788 | $1,600 | $63,612 | $5,301 |
| $100,000 | $20,788 | $2,000 | $77,212 | $6,434 |
| $120,000 | $26,788 | $2,400 | $90,812 | $7,568 |
| $150,000 | $36,838 | $3,000 | $110,162 | $9,180 |
| $200,000 | $56,138 | $4,000 | $139,862 | $11,655 |
Estimates only. Excludes HECS/HELP, salary sacrifice & private health. See full tax brackets →
Frequently Asked Questions
How is income tax calculated in Australia?
Australian income tax is progressive. For FY2025–26 you pay 0% on the first $18,200, 16% to $45,000, 30% to $135,000, 37% to $190,000, and 45% above. Most residents also get the Low Income Tax Offset (LITO).
What is the Medicare levy?
A 2% levy on taxable income that funds public healthcare. It phases in for singles between $27,222 and $34,027 and is full at 2% above that. Foreign residents and working holiday makers do not pay it.
What is the tax-free threshold for 2025–26?
The tax-free threshold is $18,200 — residents pay no income tax on the first $18,200 earned each year.
Does this calculator include HECS/HELP?
Yes — tick the HECS/HELP box. From 1 July 2025 repayments use a new marginal system: nil under $67,000, then 15% on income to $125,000 and 17% above, with a 10% cap effect above $179,286. See the HECS/HELP calculator.
What is changing in 2026–27?
From 1 July 2026 the 16% bracket drops to 15% (up to $268 a year), and to 14% from 1 July 2027. Select 2026–27 in the calculator to preview it.
Is this calculator free?
Yes — completely free, no sign-up, and nothing is stored. All figures use the ATO's official rates.