Income Tax Calculator
Calculate your Australian take home pay after income tax, Medicare levy, HECS/HELP and super for 2024–25.
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Salary Breakdown
Full Tax Breakdown
What to do with this information
Work out your mortgage affordability
Now you know your take home pay, use our mortgage calculator to see what repayments you can comfortably afford.
Build a complete budget
Put your take home pay into our budget planner to map out all your expenses and see your monthly surplus.
Could a novated lease reduce your tax?
Salary sacrificing through a novated lease reduces your taxable income — use our calculator to see the saving.
Australian Income Tax 2025–26
Our free Australian tax calculator uses the 2025–26 ATO tax rates. Enter your gross salary to see exactly how much income tax, Medicare levy and HECS/HELP repayment you will pay, and what you actually take home each week, fortnight, month or year.
2025–26 income tax brackets (residents)
| Taxable income | Tax rate | Tax payable |
|---|---|---|
| $0 – $18,200 | 0% | Nil |
| $18,201 – $45,000 | 16% | 16c per $1 over $18,200 |
| $45,001 – $135,000 | 30% | $4,288 + 30c per $1 over $45,000 |
| $135,001 – $190,000 | 37% | $31,288 + 37c per $1 over $135,000 |
| $190,001+ | 45% | $51,638 + 45c per $1 over $190,000 |
Plus 2% Medicare levy. Low income tax offset (LITO) of up to $700 reduces tax payable.
What is the Medicare levy?
The Medicare levy is 2% of your taxable income and helps fund Australia's public health system. Low income earners pay a reduced rate or are exempt. Some visa holders are also exempt.
HECS/HELP repayments
Compulsory repayments kick in once your income exceeds $54,435 in 2025–26. The rate starts at 1% and rises to 10% for incomes over $161,341. Repayments are separate to income tax and Medicare levy.
Effective vs marginal tax rate
Your marginal rate is the tax on your last dollar earned — important for understanding the tax cost of a pay rise. Your effective rate is your average rate across total income. For most people the effective rate is significantly lower than the marginal rate because lower income bands are taxed at lower rates.
This calculator is for general guidance only using 2025–26 ATO rates. It does not account for all offsets, deductions or individual circumstances. Consult a registered tax agent for personalised advice.