Australian Income Tax Calculator 2025-26
Calculate your Australian income tax for 2025-26: progressive brackets (Stage 3 cuts), Medicare Levy, Medicare Levy Surcharge, HELP/HECS repayment, Low Income Tax Offset (LITO), and employer Superannuation.
Income Details
Result - Monthly Net Pay
Income Tax Bracket Breakdown
| Income Range | Taxable in Bracket | Rate | Tax |
|---|---|---|---|
| A$ 0.00 - A$ 18,200.00 | A$ 18,200.00 | 0% | A$ 0.00 |
| A$ 18,200.00 - A$ 45,000.00 | A$ 26,800.00 | 16% | A$ 4,288.00 |
| A$ 45,000.00 - A$ 135,000.00 | A$ 35,000.00 | 30% | A$ 10,500.00 |
| Total Income Tax | A$ 14,788.00 | ||
Annual Summary
Come utilizzare Australian Income Tax Calculator 2025-26
Insert your annual taxable income
Insert your taxable income in Australian dollars (AUD). This is your gross income minus any pre-tax deductions such as salary sacrifice or work expenses.
Select your place of residence
Choose if you are an Australian tax resident, non-resident, or holder of a Working Holiday Maker visa. This determines which brackets apply: non-residents do not qualify for the tax exemption threshold.
Configure health insurance and debt help
Indicate if you have private hospital cover (influences Medicare Levy Surcharge) and if you have an active student loan HELP/HECS. HELP refunds are mandatory when income exceeds $54,435.
Check your results
View your tax settings, including the Low Income Tax Offset (LITO), Medicare Levy, any applicable Medical Scheme, HELP refund and superannuation deductions. The main sheet shows your monthly take-home pay.
Suggerimenti
- Non residents pay 30% on the first dollar earned in Australia: there is no tax exemption threshold of $18,200.
- If your income exceeds $93,000 and you don't have private hospital cover, you'll pay the Medicare Levy Surcharge in addition to the standard Medicare Levy.
- Salary sacrifice towards superannuation reduces your taxable income and may lower both income tax and HELP repayment obligations.
- The Superannuation Guarantee rate is set to rise to 12% from July 1, 2025.
Domande frequenti
What are the 2025-26 Australian income tax brackets?
For Australian residents the 2025-26 brackets are: $0-$18,200 at 0% (tax-free threshold), $18,201-$45,000 at 16%, $45,001-$135,000 at 30%, $135,001-$190,000 at 37%, and $190,001+ at 45%. These reflect the Stage 3 tax cuts that came into effect in July 2024.
What is the Medicare Levy?
The Medicare Levy is a 2% charge on taxable income for Australian residents, helping fund the public health system. Low-income earners below $26,000 pay a reduced levy or none at all. Non-residents are exempt. The Medicare Levy Surcharge (1%-1.5%) applies to higher earners who do not hold private hospital cover.
What is the Low Income Tax Offset (LITO)?
The LITO is a tax offset worth up to $700 for residents earning up to $37,500. It phases out between $37,500 and $45,000 (at 5 cents per dollar), then continues phasing out between $45,000 and $66,667 (at 1.5 cents per dollar). It reduces your tax payable but is not refundable.
How does HELP/HECS repayment work?
HELP (Higher Education Loan Program, formerly HECS) repayments are compulsory when your income exceeds $54,435 (2025-26). The repayment rate starts at 1% and rises progressively up to 10% for incomes above $159,663. Repayments reduce your loan balance directly; they are not an extra tax.
What is Superannuation and is it included in my take-home pay?
Superannuation is a compulsory employer contribution paid on top of your salary into a retirement fund. In 2025-26 the Superannuation Guarantee (SGC) rate is 11.5%. This calculator shows super as an additional employer cost - it is not deducted from your net income because employers pay it separately.