Tax Calculator Australia
Estimate Australian income tax, Medicare levy and take-home pay using the Oz Pay Check tax calculator. This page explains the main tax settings used by the calculator and links back to the full pay calculator.
The Australian tax calculator can estimate resident income tax, Medicare levy, HECS or HELP repayments, superannuation and net pay. It is designed for general Australian pay scenarios and should be checked against official ATO information before making decisions.
What the tax calculator estimates
- •Australian resident income tax for the selected tax year
- •Taxable income after deductions and selected salary packaging settings
- •Medicare levy and Medicare-related settings
- •HECS, HELP or study loan repayment settings
- •Net annual, monthly, fortnightly and weekly take-home pay
- •Employer superannuation and salary sacrifice super settings
What affects your tax estimate
- •Tax year selected in the calculator
- •Gross salary, hourly pay or pay frequency
- •Deductions, other income, bonuses and overtime
- •HECS or HELP debt settings
- •Medicare exemption or private health settings
- •Salary sacrifice, novated lease and reportable fringe benefits
Current tax values shown on this page
Tax-free threshold
For Australian residents, the tax-free threshold is $18,200.
2025-26 resident bracket
$18,201 to $45,000 is taxed at 16 cents for each dollar over $18,200.
Middle brackets
$45,001 to $135,000 uses $4,288 plus 30 cents per dollar over $45,000. $135,001 to $190,000 uses $31,288 plus 37 cents per dollar over $135,000.
Top bracket
Income over $190,000 uses $51,638 plus 45 cents for each dollar over $190,000.
2026-27 change
From 1 July 2026, the 16% rate is scheduled to reduce to 15% under the legislated tax cuts.
Important
Tax outcomes can differ due to offsets, deductions, residency, Medicare settings and ATO assessment.
Example uses
Salary estimate
Enter an annual salary to estimate annual tax, Medicare levy and net take-home pay.
Hourly estimate
Enter an hourly rate and hours per week to estimate annual income and after-tax pay.
HECS estimate
Turn on study loan settings to include a possible compulsory HECS or HELP repayment.
Frequently asked questions
Is this an official ATO tax calculator?
No. Oz Pay Check is independent and provides estimates only. Check official ATO information for personal tax decisions.
Does it include Medicare levy?
Yes. The calculator can estimate Medicare levy unless you select relevant exemption settings.
Does it include HECS or HELP?
Yes. You can turn on study loan settings to estimate a possible repayment.
Can I calculate weekly or fortnightly pay?
Yes. Results can be shown across common Australian pay periods.
Independent estimate disclaimer
Oz Pay Check is an independent, privately operated calculator website. Results are estimates only and do not constitute financial, tax, legal, Centrelink, Services Australia, ATO or government advice. Oz Pay Check is not affiliated with, endorsed by, authorised by, sponsored by, or connected to the Australian Taxation Office, Services Australia, Centrelink, myGov or any Australian Government agency. Always confirm important decisions with official government websites or a qualified professional.