Tax Calculator Australia 2026-27
See your take-home pay and income tax for 2026-27 with a full bracket-by-bracket breakdown (15% bracket from 1 July 2026). Supports residents, foreign residents, and working holiday makers. Includes Medicare levy, surcharge, and HECS-HELP repayments.
Last verified: 5 May 2026Reviewed by the Savings Mate editorial team — figures fact-checked against the ATO, Services Australia and ASIC MoneySmart.
How much of my pay do I keep in Australia in 2026-27?
On a $100,000 taxable income in 2026-27 you pay about $22,520 in income tax plus Medicare levy and take home roughly $77,480 a year. Australian residents pay nil on the first $18,200, then 15% to $45,000 (down from 16%, from 1 July 2026),30% to $135,000, 37% to $190,000, and 45% above $190,000, plus a 2% Medicare levy. Source: Australian Taxation Office.
Sourced from
7 primary sources- TR-2025-1Public RulingTR 2025/1 — Income tax: deductions for work-related expenses
What employees can deduct as work-related expenses, the substantiation rules, and the new fixed-rate method for working from home.
- ATO-Tax-Rates-2026ATO GuidanceResident tax rates 2025-26 (Stage 3 in effect)
0–$18,200 nil; $18,201–$45,000 16c; $45,001–$135,000 30c; $135,001–$190,000 37c; $190,001+ 45c. Plus 2% Medicare levy.
- ATO-HECS-Repayment-2026ATO GuidanceCompulsory HELP/HECS repayment thresholds 2025-26
Repayment starts at $54,435 (1%), scaling to 10% at $159,664+. Repayment income includes taxable income plus salary-sacrificed super and reportable fringe benefits.
- ATO-Foreign-Resident-RatesATO GuidanceForeign resident tax rates 2025-26
No tax-free threshold. 30c on first $135,000; 37c $135,001–$190,000; 45c above. No Medicare levy. HELP/HECS repayments still apply if registered.
- ATO-Salary-Sacrifice-EffectiveATO GuidanceEffective salary sacrifice arrangements
Salary sacrifice must be a prospective agreement, in writing, on amounts not yet earned. Can't backdate. Reduces taxable income; sacrificed amounts are taxed at 15% in super (or 30% if Division 293 applies).
- ATO-PSIATO GuidancePersonal Services Income (PSI) rules
If more than 50% of contract income is for your skill/labour, PSI rules may attribute income to you personally and limit deductions. Affects contractor and sole-trader take-home calcs.
- ATO-Working-Holiday-MakerATO GuidanceWorking holiday maker tax rates
Subclass 417/462 visa holders: 15c on first $45,000, then resident rates apply. No tax-free threshold. Employer must register as a working-holiday-maker employer.
Frequently asked questions
What are the Australian tax brackets for 2025-26?
For the 2025-26 financial year, Australian tax residents pay: nil on income up to $18,200; 16% from $18,201 to $45,000; 30% from $45,001 to $135,000; 37% from $135,001 to $190,000; and 45% on income above $190,000. Source: Australian Taxation Office.
How much tax do I pay on $100,000 in Australia?
A tax resident earning $100,000 in 2025-26 pays $20,788 in income tax before the Medicare levy. With the 2% Medicare levy ($2,000), total tax is $22,788, leaving take-home pay of about $77,212. HECS repayments are additional if applicable. Source: ATO.
What is the tax-free threshold in Australia?
The Australian tax-free threshold is $18,200 — the first $18,200 of taxable income is not taxed for tax residents. The threshold is unchanged for 2025-26 and 2026-27. Source: Australian Taxation Office.
Does the tax calculator include the Medicare levy and HECS?
Yes. The Savings Mate income tax calculator adds the 2% Medicare levy (with low-income reductions) and calculates HECS-HELP repayments based on your 2025-26 repayment income. All rates use the current ATO thresholds.
General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.
Related reading
$85K salary = $16,288 tax + $1,700 Medicare levy. Full 2025-26 tax brackets after Stage 3 cuts, offsets, and how to calculate your bill.
Australian Tax Brackets 2025-26: Rates, Thresholds & How Much You'll Pay0% up to $18,200, then 16% to $45K, 30% to $135K. Full 2025-26 tax brackets after Stage 3 cuts — plus the 15% cut landing 1 July 2026.
The 1 July 2026 Tax Cut: 16% to 15% Explained (What You'll Save)From 1 July 2026 the second tax bracket drops from 16% to 15%, saving up to $268 a year. Here's how the 2026-27 cut works and how much you'll keep.
Tax Changes 2026-27: New Brackets, Standard Deduction & What You'll SaveThe 2026-27 tax changes bring a new 15% bracket, a $1,000 standard deduction, and real savings for workers earning $50K to $200K+. We break down exactly what changes on 1 July 2026, compare your tax bill under the old and new rates, and show how the standard deduction works.