Pay Calculator Australia
Enter your salary to see what you actually take home, using the 2025–26 ATO tax brackets, the Medicare levy, and HECS/HELP repayments if you have a study loan.
2025–26 Australian resident tax rates
These are the marginal tax rates the ATO applies to Australian tax residents for the year from 1 July 2025 to 30 June 2026. They're unchanged from 2024–25, following the Stage 3 tax cuts that took effect on 1 July 2024. The rate in the "cents per $1" column only applies to income inside that band, not your whole salary — this is what people mean by a marginal tax system.
| Taxable income | Tax on this income |
|---|---|
| $0 – $18,200 | Nil |
| $18,201 – $45,000 | 16c for each $1 over $18,200 |
| $45,001 – $135,000 | $4,288 plus 30c for each $1 over $45,000 |
| $135,001 – $190,000 | $31,288 plus 37c for each $1 over $135,000 |
| $190,001 and over | $51,638 plus 45c for each $1 over $190,000 |
On top of income tax, most residents pay a 2% Medicare levy. It phases in gently for lower incomes: no levy up to $28,011 (2025–26, for a single person with no dependants), a reduced levy between $28,011 and $35,014, and the full 2% above that.
Legislated changes take the 16% rate down to 15% from 1 July 2026, and to 14% from 1 July 2027 — this calculator uses the rates that apply right now, for the 2025–26 year.
HECS/HELP repayments, explained simply
From 1 July 2025, compulsory HECS/HELP repayments moved to a marginal system, similar to income tax — you only repay a percentage of the income that falls above each threshold, rather than a flat percentage of your whole income once you cross a line. The 2025–26 thresholds are:
| Repayment income | Repayment rate |
|---|---|
| $0 – $67,000 | Nil |
| $67,001 – $125,000 | 15% of the amount over $67,000 |
| $125,001 – $179,285 | $8,700 plus 17% of the amount over $125,000 |
| $179,286 and over | 10% of total repayment income |
Your employer withholds an estimate of this from every pay if you've told them you have a study loan, and it's reconciled at tax time. This calculator estimates the annual compulsory repayment using your gross salary as a proxy for repayment income — your actual repayment income can include other things like reportable fringe benefits and net investment losses.
Frequently asked questions
How much tax will I pay on my salary in Australia?
It depends on your total taxable income and residency status. Australian residents pay no tax on the first $18,200, then marginal rates of 16%, 30%, 37% and 45% apply as income rises through the 2025–26 brackets, plus the 2% Medicare levy for most people.
Does this pay calculator include superannuation?
No. The superannuation guarantee (currently 12% of ordinary time earnings) is paid by your employer on top of your salary under most awards and contracts, or drawn from a stated "total package" figure in others. This tool only estimates the cash that lands in your account.
What's the difference between gross and net pay?
Gross pay is your salary before any deductions. Net pay — take-home pay — is what's left after income tax, the Medicare levy, and any HECS/HELP repayments are withheld.
Do I have to pay the Medicare levy?
Most Australian residents pay a 2% Medicare levy on their taxable income. If your income is below $28,011 (2025–26, for a single person) you generally pay none, and a reduced levy applies up to $35,014. Foreign residents don't pay the Medicare levy.
Why is my actual payslip different from this estimate?
Payroll withholding uses ATO withholding schedules that smooth tax out across the year and account for things this calculator doesn't know about — salary sacrifice, extra super contributions, other income, tax offsets, or a different Medicare Levy Surcharge situation. Your annual tax return is the true reconciliation.