Estimate your tax refund or amount owing for 2025–2026. Enter annual totals, then switch financial years to compare outcomes using existing ATO rate settings.
Tax rates and thresholds vary by year
Add taxable income and either enter PAYG withheld or let the tool estimate it from the selected year's rates.
Add deductions, offsets and franking credits to refine the estimate.
Match the estimate to your residency, Medicare and MLS settings.
Non-residents do not receive the tax-free threshold.
Usually on for Australian residents with one primary employer.
Includes HECS/HELP, Medicare exemption and private hospital cover.
Uses combined family income for surcharge tiers.
Tax rates and thresholds vary by year
Add taxable income and either enter PAYG withheld or let the tool estimate it from the selected year's rates.
Add deductions, offsets and franking credits to refine the estimate.
Match the estimate to your residency, Medicare and MLS settings.
Non-residents do not receive the tax-free threshold.
Usually on for Australian residents with one primary employer.
Includes HECS/HELP, Medicare exemption and private hospital cover.
Uses combined family income for surcharge tiers.
Estimated refund
$2,012
Net outcome: $2,012
Based on the assumptions entered, PAYG withheld is above the estimated liability.
Estimate only. Results are based on your selected financial year and configured rates. This is not tax advice.
A resident with a $85,000 salary, tax-free threshold claimed, no HECS debt, and $18,500 withheld throughout the year:
Example only. Enter your own figures in the calculator above.
This estimate includes income tax, LITO, Medicare levy, Medicare Levy Surcharge, and HECS/HELP where selected. It then compares those liabilities with your total PAYG tax withheld.
The calculator adds your salary, wages, and other taxable income, then subtracts deductions to get taxable income. It applies 2025–2026 ATO rates for income tax (with LITO applied automatically), Medicare levy (2%), Medicare Levy Surcharge where applicable, and HECS/HELP repayments if selected. Those liabilities are totalled and compared to your PAYG tax withheld to produce a refund or amount owing.
Yes. Use the financial year selector at the top of the input panel. The calculator updates instantly using the configured tax brackets, LITO thresholds, and Medicare rates for the selected year — no data entry needed beyond your own figures.
Yes. The Low Income Tax Offset (LITO) is applied automatically based on taxable income. Additional tax offsets and franking credits you enter are applied against income tax after LITO. Credits are capped so they cannot reduce income tax below zero — consistent with how the ATO processes a standard tax return.
PAYG (Pay As You Go) withholding is the tax your employer deducted from each pay during the year. You can find the total on your income statement in myGov (ATO online services) or on a payment summary from your employer. If you don't have this figure, tick the 'estimate' option to have the calculator derive it from ATO rates for your income level.
If your income exceeds $93,000 (single) for the selected year and you don't hold an appropriate level of private hospital cover, you may owe MLS of 1%–1.5% on top of the standard 2% Medicare levy. Toggle 'Private cover' on in the settings to remove MLS from your estimate, or enable family thresholds if your household situation applies.
No. This tool provides an estimate only and is not tax advice. Your ATO notice of assessment may differ based on additional income sources, specific deduction rules, prior year offsets, private health insurance rebate adjustments, and full ATO processing. Consult a registered tax agent for advice specific to your situation.
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