ATO Tax Calculator Australia 2025-2026 - Calculate Take-Home Pay, Income Tax, Medicare Levy & HECS
Settings
Enter how much you earn per year
HELP (HECS), VSL, TSL, SSL, SFSS
May affect Medicare levy surcharge
EXTRA SETTINGS
Use these features to customise the calculations to your circumstances. The highlighted sections indicate that an adjustment has been made.
What's Included in This Calculation
Frequency Breakdown
Tax Breakdown
▼Tax Rates
▼Superannuation
▼Income Breakdown
Australian Income Distribution
An annual income of $75,000 places you in thetop 43% of Australian earners.
That's higher than 57.7% of the population.
"The tax-free threshold in Australia is currently $18,200."
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Accurate Australian Tax Calculator for 2025-2026
Calculate your take-home pay with Australia's most comprehensive free tax calculator. Our calculator uses official ATO 2025-2026 tax rates to provide instant, accurate calculations for income tax, Medicare levy, HECS/HELP repayments, and superannuation.
Whether you're comparing job offers, planning your budget, or understanding your pay structure, our calculator handles all Australian tax scenarios including part-time work, salary sacrifice, novated leases (including EV FBT exemptions), and fringe benefits. All calculations are performed in your browser - your financial information never leaves your device.
What You Can Calculate
- Income Tax: Based on ATO 2025-26 tax brackets
- Medicare Levy: 2% levy with exemptions
- HECS/HELP: Repayments based on income thresholds
- Superannuation: 11.5% employer contributions
- Take-Home Pay: Weekly, fortnightly, monthly breakdown
Why Choose WageCalculator?
- 100% Accurate: Matches official ATO guidelines
- Completely Private: No data stored or transmitted
- Always Current: Updated for 2025-26 financial year
- Comprehensive: Handles complex tax scenarios
- Free Forever: No hidden fees or limits
Frequently Asked Questions
How is income tax calculated in Australia?
Income tax in Australia is calculated using a progressive tax bracket system. This means you pay different tax rates on different portions of your income. For the 2025-26 financial year, the rates are 0% (up to $18,200), 16% ($18,201-$45,000), 30% ($45,001-$135,000), 37% ($135,001-$190,000), and 45% (over $190,000).
What is the Medicare Levy?
The Medicare Levy is a 2% tax on your taxable income that helps fund Australia's public health system. You may be exempt or pay a reduced rate if you are a low-income earner or have specific medical exemptions.
How are HECS/HELP repayments calculated?
HECS/HELP repayments are calculated based on your 'repayment income' (which includes taxable income plus reportable fringe benefits and super contributions). You only make repayments once your income exceeds the threshold ($54,435 for 2025-26). The rate increases from 1% to 10% as your income rises.
Does this calculator include the Stage 3 tax cuts?
Yes, our calculator is fully updated with the revised Stage 3 tax cuts that apply from 1 July 2024 (2024-25) and continue into the 2025-26 financial year. This includes the 16% rate for the $18,201-$45,000 bracket and the 30% rate for the $45,001-$135,000 bracket.