Income Tax Calculator Australia
See your take-home pay in seconds — Fin works out the tax, the Medicare levy and what actually lands in your pocket.
Take-home pay (a year)
$70,680
$5,890 a month
- Income tax
- $17,520
- Medicare levy (2%)
- $1,800
- Total tax
- $19,320
Fin tip: a 5% rise (about $4,500, to the nearest 100) puts about $3,060 more in your pocket after tax.
- Computed on gross income; nothing in it depends on whether the income is wages or self-employed profit. For self-employed or freelance income the tax is different and is not computed here: A sole trader’s profit is taxed at the same rates with the same Medicare levy, but may also get the small business income tax offset (16% of the tax on that profit, up to $1,000), so their tax can be up to $1,000 lower.
Includes the Medicare levy low-income reduction for the years its thresholds are on file (2025-26 and 2026-27: nil to $28,011, shaded in at 10% of the excess to $35,013; 2024-25: $27,222 to $34,027). LITO reduces income tax only, never the levy. Excludes HECS/HELP, the Medicare levy surcharge, the seniors and pensioners thresholds, family thresholds and other offsets. Indicative only — general information, not tax advice.
Free to start. Connect a bank or drop in a statement.
Rates from the ATO
Source named on every result
57 countries
Covered for income tax schemes
Runs in your browser
Calculated on this page
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No card, no usage limits
The quick answer
On a $90,000 salary in 2026-27, an Australian resident pays about $19,320 in income tax and Medicare levy and takes home about $70,680 a year, or $5,890 a month. Type your own salary above to see yours, by the week, fortnight, month or year.
What you take home on common salaries (2026-27)
Resident rates with the Medicare levy, worked out by the same engine as the calculator. Tap a row to try it.
Australian tax brackets (2026-27)
In Australia, the first $18,200 you earn is tax-free. Income above that is taxed at 15% to $45,000, 30% to $135,000, 37% to $190,000 and 45% beyond — plus a 2% Medicare levy on your taxable income.
| Taxable income | Tax rate |
|---|---|
| $0 – $18,200 | 0% (tax-free) |
| $18,201 – $45,000 | 15% |
| $45,001 – $135,000 | 30% |
| $135,001 – $190,000 | 37% |
| $190,001+ | 45% |
Resident rates, 2026-27. Excludes the Medicare levy surcharge, HECS/HELP and other offsets. General information, not tax advice.
Income tax — common questions
What is the tax-free threshold in Australia?
The first $18,200 you earn each year is tax-free. You only pay income tax on income above that threshold.
How much tax do I pay on $90,000 in Australia?
On a $90,000 salary in 2026-27 you would pay about $17,520 in income tax plus a $1,800 Medicare levy — roughly $19,320 in total, leaving about $70,680 take-home.
What is the difference between the marginal and average tax rate?
Your marginal rate is the tax on your next dollar earned (your top bracket). Your average rate is your total tax divided by your total income — always lower than the marginal rate because the first dollars are taxed less.
Does this include the Medicare levy?
Yes — the 2% Medicare levy is included. It excludes the Medicare levy surcharge, HECS/HELP repayments and other offsets.
What is the Australian tax year?
The Australian tax year runs from 1 July to 30 June. This calculator shows 2026-27 by default, and you can switch to earlier years from the tax-year menu.
How do I work out take-home pay if my package includes super?
Tick “My package includes super” and the calculator takes the Super Guarantee out of the figure first, taxes only the salary part, and shows the employer super beside your take-home. Your employer pays that super to your fund, so it is not part of your pay.
Where does HECS/HELP fit in?
Study-loan repayments have their own calculator, which works from the same income and the compulsory repayment thresholds. Open the HECS/HELP repayment calculator to see what your loan adds on top of the figures here.
Is this take-home pay calculator free?
Yes — it is completely free, with no sign-up. Fin works out your tax and take-home pay instantly.
Did you know?
A birthday cake helped sink a GST and an election: in 1993, Opposition Leader John Hewson couldn't say whether his proposed GST would make a birthday cake cheaper or dearer, fumbling about icing and candles on live TV.
The 3 March 1993 'birthday cake interview' with Mike Willesee on A Current Affair is widely blamed for Hewson losing the 'unloseable' federal election ten days later, on 13 March 1993; the GST didn't arrive until Howard finally legislated it seven years on.
Source: Wikipedia — Birthday cake interview ↗Australia's GST has been frozen at 10% for over 25 years, partly because changing the rate legally requires the unanimous agreement of every state and territory plus both houses of federal Parliament.
Treasury states plainly that 'legislation requires that changes to the GST base or rate require unanimous agreement by all State and Territory governments, as well as both houses of the Australian Parliament' — a political straitjacket flowing from the 1999 Intergovernmental Agreement that has kept the rate untouched since 1 July 2000.
Source: Australian Treasury — Tax White Paper, At a glance ↗Know your numbers all year
This calculator gives one number for one salary. In 2Fin, record the PAYG withheld from each pay and it keeps a live estimate of your refund or what you owe through the year — Medicare levy, low income tax offset and HELP included — while your work-related expenses are flagged from your bank feed. Free to start, no card needed.
Get 2Fin free →Terms used on this page
Full glossary →- PAYG (Pay As You Go)Paying tax through the year rather than in one lump.
- Marginal tax rateThe tax rate on your next dollar of income.
- Tax-free thresholdThe first $18,200 of income you can earn tax-free.
- Medicare levyA 2% levy on most taxable income that funds public health.
- Superannuation guarantee (SG)The compulsory super employers pay on top of wages.
- Salary sacrificeRedirecting pre-tax salary into super or a benefit.
- Division 293 taxAn extra 15% super-contributions tax for high earners.
- HECS-HELP (student loan)A government study loan you repay through the tax system.
- Sole traderThe simplest business structure — you and the business are one.
- Sole trader tax rateThere isn’t one — you’re taxed at personal marginal rates.
- Tax deduction vs tax offsetA deduction lowers income taxed; an offset lowers tax owed.
- Taxable incomeAssessable income minus deductions — what tax is actually on.
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