How is my income tax calculated?

In Australia, income tax is progressive, meaning the more you earn, the higher the rate of tax you pay on the portion of income in that bracket. Your 'taxable income' (gross income minus deductions) is applied to these brackets to determine your total tax. For a detailed breakdown, use our Salary & Tax Calculator or read our Guide to Income Tax.

When do I have to repay my HELP/HECS student debt?

You must start making compulsory repayments on your HELP/HECS debt once your 'repayment income' is above the minimum threshold for the financial year. This income is a broad measure that includes your salary, investment losses, and other factors. Repayments are calculated as a percentage of your income. Project your repayment timeline with our Student Loan Calculator.

What is an Award and how do I find mine?

An Award is a legal document setting minimum pay and conditions for a specific industry. If you're not covered by an Enterprise Agreement, an Award likely applies to you. This calculator helps check your pay against some common awards. For official help finding your specific award, use the Fair Work Ombudsman's 'Find my award' tool on their website.

How does the Child Care Subsidy (CCS) work?

The CCS helps with the cost of approved childcare. The amount you receive depends on your family's income, the type of care, your child's age, and the hours you and your partner work or study. Families with more than one child aged 5 or under may receive a higher rate for their younger children. You can estimate your entitlement using our Child Care Subsidy Calculator.

What is salary sacrificing to super?

Salary sacrificing allows you to contribute a portion of your pre-tax income directly to your superannuation fund. This reduces your taxable income, potentially lowering your tax bill, while also boosting your retirement savings. These contributions are taxed at a lower rate of 15% inside the super fund. Explore the benefits in our Salary Sacrifice Guide.

Can I download this website as an app?

Yes! This website is a Progressive Web App (PWA). You can install it on your device for an app-like experience with offline access. Use the button below for an instant download.

Income Tax Calculator - Australia 🇦🇺

Pay Tax Calculator Australia

Calculate fast, ATO-aligned estimate of your take-home pay in Australia (tax, Medicare levy, HELP/HECS repayments, super, salary sacrifice, bonuses and overtime). Pay Calculator AU built for Australians, expats and visa holders who need an immediate, transparent breakdown - monthly, fortnightly or weekly.

Why you can trust it

Transparent methodology (we show each step and assumptions). Designed for accuracy and conversion (not advice). For official rulings or complex tax planning consult the ATO or a registered tax agent.

HELP & HECS•Residency & Medicare•Super & Salary Sacrifice•Financial Guides•Cost of Living

How it works

You enter your gross annual salary, choose your tax year, and select your residency status. You can also add optional items like HELP debt, dependents, and salary sacrifice.

The calculator applies the correct progressive tax bands, Medicare levy, and student loan repayment rules based on the official ATO formulas for the selected year.

You receive a detailed breakdown of your gross pay versus take-home pay, with options to view the numbers weekly, fortnightly, or monthly. You can also get a downloadable PDF summary.

Not sure if you’re a tax-resident?

Take our 60-second quiz to check your residency status. ATO-aligned, secure, and private.

Check residency

HELP, TSL & SSL Repayments

Understand how compulsory repayments for Australian student loans like HECS-HELP are calculated. Your repayment rate is based on your income and is adjusted annually.

'Repayment income' is your taxable income plus any net investment loss (which includes net rental losses), reportable fringe benefits, reportable super contributions and exempt foreign employment income.
Repayment Income (2025 - 2026)	Repayment Rate
Below $54,368	Nil
$54,368 - $61,088	1.0%
$61,089 - $64,650	2.0%
$64,651 - $68,412	2.5%
$68,413 - $72,384	3.0%
$72,385 - $76,577	3.5%
$76,578 - $81,004	4.0%
$81,005 - $85,678	4.5%
$85,679 - $90,612	5.0%
$90,613 - $95,820	5.5%
$95,821 - $101,316	6.0%
$101,317 - $107,115	6.5%
$107,116 - $113,232	7.0%
$113,233 - $119,685	7.5%
$119,686 - $126,489	8.0%
$126,490 - $133,663	8.5%
$133,664 - $141,226	9.0%
$141,227 - $149,197	9.5%
Over $149,197	10.0%

Student Loan Repayment Calculator

Use this tool to calculate how long it will take to repay your HELP/HECS loan.

Loan Repayment Details

Student loan debt

Adjust debt

Estimated Monthly Repayment

Student Loan Projection

Calculate the final repayment date of your debt. Adjust the average debt indexation rate and your annual wage increase to improve the projection.

Debt Indexation

Wage Increase

Estimated Repayment Date

N/A

Repayment Income

Adjust Repayment Income

Future Income

Estimated income in the year N/A

Time to Repay

...

Repayment income (RI) is taxable income plus any total net investment loss (which includes net rental losses), reportable fringe benefits amounts, reportable super contributions and exempt foreign employment income. The debt indexation rate and wage growth figures are estimates and will affect the repayment projection.

Historical Tax Brackets

A reference for Australian resident income tax rates from previous years. Data sourced from the ATO.

Tax brackets for financial year 2025 – 26
Taxable income	Tax on this income
$0 – $18,200	Nil
$18,201 – $45,000	19c for each $1 over $18,200
$45,001 – $135,000	$5,092 plus 30c for each $1 over $45,000
$135,001 – $190,000	$32,092 plus 37c for each $1 over $135,000
$190,001 – and over	$52,442 plus 45c for each $1 over $190,000

Child Care Subsidy Calculator

Estimate your Child Care Subsidy (CCS) from the Australian Government. This calculator is based on the 2025-26 financial year rules.

Inflation & Wage Growth

A look at historical and forecast Consumer Price Index (CPI) inflation versus the Wage Price Index (WPI) in Australia. Data is sourced from the RBA Economic Outlook and historical CPI figures.

Frequently Asked Questions

Answers to common questions about Australian tax and our calculators.

Learn About Australian Pay & Tax Resource

Get instant clarity on your earnings. Our tools are designed to provide fast, accurate, and easy-to-understand breakdowns of your salary, tax obligations, and superannuation contributions, all aligned with the latest 2025-26 ATO rules.

How Much Tax Will I Pay in Australia?

This is the most common question for any working Australian. The answer depends on your income, residency status, and other circumstances. Our Australian pay calculator is the best online tool to get an immediate estimate. It automatically applies the correct tax brackets, Medicare levy, and any other relevant deductions to show you exactly where your money is going.

Calculates income tax based on the latest marginal rates for 2025-26.
Includes the 2% Medicare Levy and any applicable surcharge.
Shows you the exact difference between your gross pay and take-home pay in Australia.

Step-by-step visual showing how the Australian pay calculator works, from gross income to net pay

Clear chart showing a salary breakdown into tax, super, Medicare, and net income

Understanding Your Take-Home Pay

Your take-home pay is what's left after all deductions. Our income tax estimator breaks this down clearly so you can budget effectively. We account for:

Superannuation Contributions: Both compulsory employer contributions and voluntary salary sacrifice amounts.
HELP/HECS Debt: Compulsory repayments for student loans if you meet the income threshold.
Bonuses & Overtime: We factor in additional earnings to give you a complete annual picture.

Why Use Our Calculator?

Accurate & Up-to-Date

Reflects the latest tax brackets and rules for the 2025-26 financial year, aligned with ATO data.

Comprehensive

Covers everything from salary sacrifice and HELP debt to Medicare and superannuation.

Simple & Fast

Get a detailed breakdown of your pay in seconds with our clean, intuitive interface.

How We Ensure Accuracy & Authority

Our commitment is to provide a reliable and precise income estimation tool. To achieve this, our Australian pay calculator is built exclusively on official, verifiable data sources. We do not use third-party estimates or unverified figures.

All tax, levy, and HELP repayment calculations are based on the latest official rates published by the Australian Taxation Office (ATO).

Superannuation Guarantee (SG) rates are updated annually according to the legislative schedule from the Treasury.

Economic data, such as inflation (CPI) and wage growth (WPI), is sourced from the Australian Bureau of Statistics (ABS) and Reserve Bank of Australia (RBA).

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ATO-Aligned Data

Authority flow diagram showing ATO, Treasury, and ABS logos pointing towards AUS PAY CALCULATOR, which then provides user results

Explore Our Suite of Calculators

From income tax to mortgage and investments, get clarity on your finances.

Salary & Tax Calculator

The most comprehensive pay calculator for the 2025-26 tax year.

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Mortgage Calculator

Estimate your repayments and see a full loan amortization schedule.

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Compound Interest

Project the growth of your savings and investments over time.

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Student Loan Calculator

Project the repayment timeline for your HELP/HECS student loan.

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Child Care Subsidy

Estimate your weekly subsidy based on your family’s income and activity.

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Fair Work Pay Rate

Check if your hourly pay aligns with the minimums set by your industry award.

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Cost of Living

Compare living expenses across all major Australian capital cities.

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Your Income

Your Circumstances

Deductions & Obligations

Extra Settings

Why you can trust it