Your Australian income tax, Medicare, superannuation and take-home pay — weekly, fortnightly, monthly and yearly. Enter your pay before or after tax, straight off your payslip — plus interest, rental and dividend income with franking credits.
Current ATO rates as at . Indicative only — general information, not personal advice.
Financial yearTax residency
$
Superannuation
%
Investment income
%
Medicare & offsets
Family (for the Medicare Levy Surcharge)
Enter your salary above to see your tax, super and take-home pay.
See how your pay changes with income
$0$350k
Where your income sits — tax brackets
Superannuation — concessional contributions cap
How your income tax is built up —
Income in this band
Rate
Tax
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Tax is calculated on current ATO rates for the selected financial year and residency, including (for Australian residents) the Medicare levy, Low Income Tax Offset and, where indicated, SAPTO, the Medicare Levy Surcharge, HELP/STSL repayments and Division 293. Superannuation is shown at the rate entered (default 12% Super Guarantee). Investment income (interest, net rental income and dividends) is modelled annually. Dividend franking assumes a 30% company tax rate: franking credits are added to your taxable income and then applied as a refundable tax offset, which can produce a refund where the credits exceed your tax. Weekly/fortnightly/monthly figures are the annual amount divided evenly and may differ slightly from your employer's PAYG withholding. Income percentile is indicative (based on ATO taxable-income data). It is a guide only and excludes other offsets, deductions, fringe benefits, novated leases and individual circumstances. General information only — not personal advice. We confirm exact figures in your full cash flow & tax model. Navarino Wealth Pty Ltd.
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This tool shows the general picture — a short chat shows what it means for you. The first meeting is complimentary and no-obligation.
Please read this before you act on any number above.
This financial calculator is not intended to be relied on for the purpose of making a decision
in relation to a financial product, and you should consider obtaining advice from a
financial services licensee before making any financial decisions. The assumptions it
uses, and its limitations, are set out on this page — please read them, because they
change the answer. Separately, any general advice here has been prepared without taking
account of your objectives, financial situation or needs; consider whether it is
appropriate for you before acting on it.
How Australian income tax is actually worked out
Australian income tax is worked out in slices, not as one rate on the whole lot. This is the single most misunderstood part of the system. Moving into a higher bracket does not tax all your income at that rate, only the part above the threshold.
The 2026-27 rates
The first $18,200 you earn is tax free. From $18,201 to $45,000 the rate is 16 per cent. From $45,001 to $135,000 it is 30 per cent. From $135,001 to $190,000 it is 37 per cent, and anything above $190,000 is taxed at 45 per cent. Each slice is taxed at its own rate, which is why a pay rise never leaves you worse off.
Medicare levy and the surcharge
On top of that sits the Medicare levy of 2 per cent. It phases in between $28,011 and $35,013 of taxable income for a single, so below that you pay none or only part of it. Separately, the Medicare levy surcharge applies if you earn above $105,000 as a single without appropriate private hospital cover, starting at 1 per cent and rising to 1.5 per cent. That surcharge is often more than the cost of a basic policy, which is worth checking.
Super comes out before you see it
Your employer pays 12 per cent superannuation guarantee on top of your salary. It is not part of your take-home pay, but it is part of what you earn, so the calculator shows it separately. Concessional contributions, which include your employer's, are capped at $32,500 for 2026-27.
What this calculator does
It builds your tax up bracket by bracket, adds the Medicare levy and any surcharge, applies the low income tax offset, and shows what actually lands in your account weekly, fortnightly, monthly and yearly. It also shows where your income sits relative to other Australian taxpayers.
It is a guide, not advice. It does not model every deduction, offset or salary-packaging arrangement, and it cannot know your circumstances. Rates are those current at 2 July 2026.
Common questions about income tax
Will a pay rise push me into a higher bracket and leave me worse off?
No. Only the income above the threshold is taxed at the higher rate. The rest of your income keeps being taxed exactly as it was, so more gross pay always means more take-home pay.
What is the tax-free threshold?
$18,200. You pay no income tax at all on the first $18,200 you earn, assuming you are an Australian resident for tax purposes and claim the threshold with one employer.
How much is the Medicare levy?
2 per cent of taxable income. It phases in between $28,011 and $35,013 for a single, so below $28,011 you pay none of it.
What is the Medicare levy surcharge and how do I avoid it?
It is an extra charge of 1 to 1.5 per cent that applies if you earn above $105,000 as a single and do not hold appropriate private hospital cover. Taking out a basic policy often costs less than the surcharge, so it is worth comparing the two.
Is superannuation included in my take-home pay?
No. The 12 per cent superannuation guarantee is paid by your employer on top of your salary and goes to your super fund. The calculator shows it separately so you can see the full value of what you earn.
How much can I put into super before extra tax applies?
Concessional contributions, which include your employer's superannuation guarantee and any salary sacrifice, are capped at $32,500 for 2026-27. Going over the cap means the excess is taxed at your marginal rate.
