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
Enter your annual taxable income
Enter your taxable income in Australian Dollars (AUD). This is your gross income minus any pre-tax deductions such as salary sacrifice or work-related expense claims.
Select your residency status
Choose whether you are an Australian resident for tax purposes, a non-resident, or a Working Holiday Maker (WHM). This determines which tax brackets apply — non-residents do not benefit from the tax-free threshold.
Configure health insurance and HELP debt
Indicate if you hold private hospital cover (affects the Medicare Levy Surcharge) and whether you have an outstanding HELP/HECS student loan. HELP repayments are compulsory once income exceeds $54,435.
Review your results
See your income tax, Low Income Tax Offset (LITO), Medicare Levy, optional MLS, HELP repayment, and employer Superannuation. The primary card shows your monthly net take-home pay.
Suggerimenti
- Non-residents pay 30% from the first dollar earned in Australia — there is no tax-free threshold of $18,200.
- If your income exceeds $93,000 and you do not hold private hospital cover, you will pay the Medicare Levy Surcharge on top of the standard Medicare Levy.
- Salary-sacrificing into superannuation reduces your taxable income and can lower both income tax and HELP repayment obligations.
- The Superannuation Guarantee rate is legislated to increase to 12% from 1 July 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.