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Australia Tax Calculator 2025–26

Work out your take-home pay after Australian income tax, Medicare Levy, and HELP/HECS. All rates current for the 2025–26 financial year (1 July 2025 – 30 June 2026).

Your details

A$
Take-homeA$67,012per year
Monthly take-homeA$5,584
Bi-weeklyA$2,577
Effective tax rate21.0%
Marginal rate32.0%

Annual breakdown

  • Gross income
    A$85,000
  • Income tax(19.2%)
    -A$16,288
  • Medicare Levy (2%)(2.0%)
    -A$1,700
  • Take-home pay(78.8%)
    A$67,012

Uses ATO 2025–26 resident individual income tax rates. Read full disclaimer.

Australian states & territories

New South Wales

Capital: Sydney

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Victoria

Capital: Melbourne

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Queensland

Capital: Brisbane

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Western Australia

Capital: Perth

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South Australia

Capital: Adelaide

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Tasmania

Capital: Hobart

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Australian Capital Territory

Capital: Canberra

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Northern Territory

Capital: Darwin

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How much tax on common Australian salaries? (2025–26)

Quick reference for resident employees — Medicare Levy included, HELP debt and salary sacrifice excluded. Use the calculator above for your exact figure.

Gross salary (ATO) Income tax Medicare Levy Take-home (annual) Effective rate
A$40,000A$2,913A$514A$36,5738.6%
A$60,000A$8,688A$1,068A$50,24416.3%
A$80,000A$14,788A$1,600A$63,61220.5%
A$100,000A$20,788A$2,000A$77,21222.8%
A$120,000A$26,788A$2,400A$90,81224.3%
A$150,000A$36,838A$3,000A$110,16226.6%
A$200,000A$56,138A$4,000A$139,86230.1%

Source: ATO individual income tax rates 2025–26. LITO applied where applicable. Super Guarantee (12%) paid by employer on top — not deducted.

Australia tax calculator FAQ

What are the Australian tax brackets for 2025–26?
The ATO resident rates for 2025–26: $0–$18,200 (tax-free), $18,201–$45,000 at 16%, $45,001–$135,000 at 30%, $135,001–$190,000 at 37%, and above $190,000 at 45%. These are the rates after the Stage 3 tax cuts took effect in 2024.
What is the Medicare Levy?
The Medicare Levy is a 2% tax on most Australian residents that funds the public healthcare system. It applies to income above approximately $27,222 (single, 2025–26). High earners without private hospital cover may also pay the Medicare Levy Surcharge (1–1.5%).
Do states in Australia have income tax?
No. Only the federal government levies personal income tax in Australia. State and territory governments raise revenue through payroll tax (paid by employers), stamp duty, land tax, and GST allocations. Your take-home from a given gross salary is the same in NSW as it is in Tasmania.
How does HELP/HECS repayment work?
HELP (Higher Education Loan Program, formerly HECS) is repaid through the tax system once your income exceeds $54,434 (2025–26). The repayment rate scales from 1% to 10% based on your income. Unlike most loans, it has no interest — just CPI indexation.
Is superannuation included in my take-home?
No. Super is paid by your employer on top of your gross salary (12% guarantee rate in 2025–26), so it does not reduce your take-home. It goes directly into your super fund for retirement.
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