Methodology

• ATO resident income tax rates for Australian resident tax brackets.
• ATO personal income tax cuts for the 2026-27 and 2027-28 bracket rate changes.
• ATO Medicare levy threshold instructions for low-income Medicare levy handling.
• ATO super guarantee rates for the 12% employer super setting.
• ATO study and training loan thresholds and StudyAssist loan repayment guidance for HELP/HECS repayment estimates.
• Fair Work Pay and Conditions Tool for award-specific pay rates, allowances and penalties.

• Gross salary is annualised from the selected pay period: annual, monthly, fortnightly, weekly, daily or hourly.
• If salary includes super, base salary = package / (1 + super rate). Employer super is displayed separately from take-home pay.
• Income tax applies resident brackets and subtracts the Low Income Tax Offset where eligible.
• Medicare levy is estimated as 2% of taxable income above the full low-income threshold, with a shade-in estimate between the lower and full threshold.
• HELP/HECS uses the marginal repayment model: repayments start above the threshold and are capped at 10% of repayment income.
• Salary sacrifice to super reduces taxable income, but the sacrificed amount is added back for the HELP repayment-income estimate.

• Australian resident individual rates only.
• Single-person Medicare levy threshold estimate.
• Standard Low Income Tax Offset estimate.
• 2025-26 and 2026-27 resident tax-year selection.
• Superannuation Guarantee default of 12%.
• Work-hour conversion default of 38 hours per week and 52 paid weeks per year.

• Foreign resident, working holiday maker, under-18 and temporary resident rates.
• Family Medicare levy, SAPTO, spouse and dependant calculations.
• Medicare Levy Surcharge, private health insurance rebate and family thresholds.
• Personal deductions, work-related expenses, business income, investments and capital gains.
• Employer-specific payroll rules, tax-file-number declaration differences and payroll rounding.
• Award classification, allowances and legal entitlements. Use Fair Work for those.

Calculator inputs run in the browser. The static calculator does not need salary inputs to be sent to a server to produce results.

Do not use these estimates as a substitute for official ATO tools, payroll software, a registered tax agent, legal adviser or financial adviser.