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Australia Income Tax Calculator 2026–27

Take-home pay for 2026–27 after income tax at the new 15% rate, the Medicare levy, HELP repayments and the surcharge, with the $1,000 standard deduction.

Built by AbhiLast reviewed October 5, 2026

Salary $100,000Take-home77,800.00Income tax20,220.00Levies and HELP1,980.00Take-home

Leave at 0 to use the automatic $1,000 standard deduction. Enter a larger amount only if you will claim it.

Result

Take-home pay for the yearA$77,800.00Estimate

For a full-year resident with salary only. Medicare levy low-income thresholds are 2025–26 until the ATO publishes 2026–27.

Take-home pay a fortnight
A$2,992.31Estimate
Income tax after offsets
A$20,220.00Estimate
Medicare levy
A$1,980.00Estimate
HELP repayment
A$0.00Estimate
Medicare levy surcharge
A$0.00Estimate
Taxable income
A$99,000.00Estimate
Super guarantee your employer pays on top
A$12,000.00Estimate
Deductions on the next $1,000 of salary
32%Estimate
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An estimate from the published rates for the tax year shown, for the situation described on this page. It is not a tax return or tax advice. Rules change with each budget, and your own circumstances can change the answer. Check it against your payslip and the tax authority’s own calculator, and confirm anything that matters with a qualified tax adviser. Read the full disclaimer

How to use the Australia Income Tax Calculator 2026–27

  1. Enter your salary for 2026–27 before tax.
  2. Leave work-related deductions at 0 to use the new $1,000 standard deduction, or enter more if you will claim more.
  3. Say whether you have a HELP or other study loan, and whether you hold private hospital cover.
  4. Read your take-home pay for the year and the fortnight, and each deduction.

From salary to take-home

taxable income = salary − larger of ($1,000 standard deduction, actual deductions)income tax     = brackets − low income tax offset (not below zero)Medicare levy  = 2% (phased in just above the low-income threshold)take-home      = salary − income tax − Medicare levy − HELP − surcharge

HELP repayments use repayment income, which here equals taxable income. The Medicare levy surcharge applies only without appropriate private hospital cover. Your employer’s 12% super guarantee is paid on top of your salary and is shown for reference.

With your numbers

  1. Taxable income A$99,000.00; income tax A$20,220.00, Medicare levy A$1,980.00

Quick reference

For a full-year resident with salary only. Medicare levy low-income thresholds are 2025–26 until the ATO publishes 2026–27.

Common salaries, worked out with the options this calculator starts on.
ExampleTake-home pay for the year
$60,000A$50,715.00
$100,000A$77,800.00
$100,000 with HELPA$73,379.20
$150,000 without hospital coverA$108,957.50
$200,000A$140,600.00
$30,000A$28,981.10

Where the numbers come from

The fixed figures this calculator relies on, and the published source each one was checked against. How the calculators are built and checked

17 sources

  1. ATO, Tax rates – Australian residents, https://www.ato.gov.au/tax-rates-and-codes/tax-rates-australian-residents: "15c for each $1 over $18,200"

    Used for

    • Resident taxable income above this is taxed at the next rate.

  2. ATO, Tax rates – Australian residents, https://www.ato.gov.au/tax-rates-and-codes/tax-rates-australian-residents

    Used for

    • Resident taxable income above this is taxed at the next rate.
    • Resident marginal tax rate for 2026–27.

  3. ATO, Tax rates – Australian residents, https://www.ato.gov.au/tax-rates-and-codes/tax-rates-australian-residents: "do not include the Medicare levy of 2%"

    Used for

    • Medicare levy.

  4. ATO, Medicare levy reduction for low-income earners, https://www.ato.gov.au/individuals-and-families/medicare-and-private-health-insurance/medicare-levy/medicare-levy-reduction/medicare-levy-reduction-for-low-income-earners

    Used for

    • Medicare levy low-income lower threshold, single (2025–26, the latest published).
    • Medicare levy low-income upper threshold, single (2025–26).

  5. ATO, Medicare levy reduction for low-income earners, https://www.ato.gov.au/individuals-and-families/medicare-and-private-health-insurance/medicare-levy/medicare-levy-reduction/medicare-levy-reduction-for-low-income-earners (worked examples: $29,000 gives $98.90)

    Used for

    • Medicare levy shade-in rate on income above the lower threshold.

  6. ATO, Low income tax offset, https://www.ato.gov.au/individuals-and-families/income-deductions-offsets-and-records/tax-offsets/low-income-tax-offset

    Used for

    • Low income tax offset, maximum.
    • LITO starts reducing above this.
    • LITO reduction from $37,500 to $45,000.
    • LITO second reduction starts above this.
    • LITO reduction above $45,000.

  7. ATO, Low income tax offset, https://www.ato.gov.au/individuals-and-families/income-deductions-offsets-and-records/tax-offsets/low-income-tax-offset: "$325 minus 1.5 cents for every $1 above $45,000"

    Used for

    • LITO at $45,000.

  8. ATO, Standard deduction for work-related expenses (from 2026–27)

    Used for

    • Standard deduction for work-related expenses, automatic for residents with labour income.

  9. ATO, Study and training support loans rates and repayment thresholds, https://www.ato.gov.au/tax-rates-and-codes/study-and-training-support-loans-rates-and-repayment-thresholds: "$0 – $69,528 Nil"

    Used for

    • HELP repayment threshold.

  10. ATO, Study and training support loans rates and repayment thresholds, https://www.ato.gov.au/tax-rates-and-codes/study-and-training-support-loans-rates-and-repayment-thresholds: "15c for each $1 over $69,528"

    Used for

    • HELP repayment rate above the threshold.

  11. ATO, Study and training support loans rates and repayment thresholds, https://www.ato.gov.au/tax-rates-and-codes/study-and-training-support-loans-rates-and-repayment-thresholds

    Used for

    • HELP second band starts above this.
    • HELP repayment rate in the second band.
    • HELP repayment rate on total repayment income at the top.

  12. ATO, Study and training support loans rates and repayment thresholds, https://www.ato.gov.au/tax-rates-and-codes/study-and-training-support-loans-rates-and-repayment-thresholds: "$9,028 plus 17c for each $1 over $129,717"

    Used for

    • HELP repayment at the second band.

  13. ATO, Study and training support loans rates and repayment thresholds, https://www.ato.gov.au/tax-rates-and-codes/study-and-training-support-loans-rates-and-repayment-thresholds: "10% of your total repayment income"

    Used for

    • From this repayment income, 10% of the whole income is repaid.

  14. ATO, Medicare levy surcharge income thresholds and rates, https://www.ato.gov.au/individuals-and-families/medicare-and-private-health-insurance/medicare-levy-surcharge/medicare-levy-surcharge-income-thresholds-and-rates

    Used for

    • MLS threshold (single base): income above this moves up a tier.
    • MLS threshold (single tier2): income above this moves up a tier.
    • MLS threshold (single tier3): income above this moves up a tier.
    • MLS threshold (family base): income above this moves up a tier.
    • MLS threshold (family tier2): income above this moves up a tier.
    • MLS threshold (family tier3): income above this moves up a tier.
    • Medicare levy surcharge rate for the tier.

  15. ATO, Medicare levy surcharge income thresholds and rates, https://www.ato.gov.au/individuals-and-families/medicare-and-private-health-insurance/medicare-levy-surcharge/medicare-levy-surcharge-income-thresholds-and-rates: "increased by $1,500 for each MLS dependent child after the first child"

    Used for

    • MLS family threshold increase for each dependent child after the first.

  16. ATO, Super guarantee rates and thresholds, https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/super-guarantee: "1 July 2026 – 30 June 2027 12.00"

    Used for

    • Superannuation guarantee rate.

  17. ATO, Super guarantee rates and thresholds, https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/super-guarantee: "2026–27 $270,830"

    Used for

    • Maximum super contribution base for the year (annual from 2026–27).

Common questions about the Australia Income Tax Calculator 2026–27

What are the tax rates for 2026–27?
No tax on the first $18,200. Then 15% to $45,000, 30% to $135,000, 37% to $190,000 and 45% above. The lowest rate fell from 16% to 15% on 1 July 2026, and falls again to 14% from 1 July 2027.
What is the new standard deduction?
From 2026–27 residents with work income can deduct $1,000 of work-related expenses without receipts. You can instead claim your actual expenses if they come to more. The page uses whichever is larger.
How does the Medicare levy work?
2% of taxable income, reduced for low incomes. Below the low-income threshold no levy is due, and just above it the levy is phased in at 10 cents for each dollar over the threshold. The page uses the 2025–26 thresholds until the ATO publishes the 2026–27 ones.
What is the low income tax offset?
Up to $700 off your tax for taxable incomes up to $37,500, falling to $325 at $45,000 and to nothing at $66,667. It can reduce tax to zero but not below.
What does this leave out?
Other income, family situations that change the Medicare levy thresholds, other offsets such as the seniors and pensioners offset, and Division 293 tax on super. It is for a resident employee for the whole year.

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