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Pay calculator for 2026–27

Find out what lands in your bank account after income tax, the Medicare levy, HECS-HELP and super. It uses the ATO's own withholding formulas for payments from 1 July 2026, and it runs entirely in your browser.

Your pay before tax

Hours per week

Don't include super, unless you tick that it's a package below.

I'm paid

Weekly Fortnightly Monthly

Does that amount include super?

Say yes if your contract quotes a "package" or "total remuneration".

No Yes

Are you an Australian resident for tax?

Working holiday makers have separate rates this calculator doesn't cover.

Yes No

Are you claiming the tax-free threshold from this job?

Usually yes for your main job, no for a second job.

Yes No

Do you have a HECS-HELP or other study loan?

Also covers VSL, SSL and apprenticeship loans.

No Yes

More options for your tax-time estimate

Do you have private hospital cover?

Without it, the Medicare levy surcharge applies above $105,000 (singles).

Yes No

Use the $1,000 standard work deduction?

New from 2026–27 tax returns, instead of itemising work expenses under $1,000.

Yes No

Have you given your employer your tax file number?

Without a TFN, employers must withhold 47% (45% for foreign residents).

Yes No

Your payslip

Fortnightly

Gross pay–
Tax withheld (PAYG)–
HECS-HELP–

Net pay–

Your employer also pays – super

Take-home pay by pay cycle
Paid	Gross	Withheld	Take-home

Where your pay goes over the year

Based on what you'll owe once your tax return is assessed, not just what comes out of each pay.

Take-home
Income tax
Medicare
HECS-HELP

–

Your tax bracket

How it's worked out

Two calculations run side by side: what your employer withholds each pay, and what you actually owe for the year.

Split out super
If you entered a package, it's divided by 1.12 to find your salary. Super is 12% of salary, up to the $270,830 maximum contribution base.
Withhold each pay
Your pay is converted to a weekly figure and run through the ATO's Schedule 1 formulas, plus Schedule 8 if you have a study loan, then rounded to the dollar as the ATO specifies.
Work out the year's tax
Taxable income goes through the 2026–27 brackets. The low income tax offset is subtracted, then the Medicare levy and any surcharge are added.
Add your study loan
Compulsory HECS-HELP repayments use the marginal system: 15c per dollar above $69,528, rising to 17c, then 10% of all income above $186,050.
Compare the two
The difference between a year of withholding and your assessed tax is your estimated refund, or the amount you'd owe.

2026–27 tax rates and thresholds

The figures this calculator uses, for the income year 1 July 2026 to 30 June 2027. Checked against the ATO on 22 October 2026.

Income tax for Australian residents
Taxable income	Tax on this income
$0 – $18,200	Nil
$18,201 – $45,000	15c for each $1 over $18,200
$45,001 – $135,000	$4,020 plus 30c for each $1 over $45,000
$135,001 – $190,000	$31,020 plus 37c for each $1 over $135,000
$190,001 and over	$51,370 plus 45c for each $1 over $190,000

Income tax for foreign residents
Taxable income	Tax on this income
$0 – $135,000	30c for each $1
$135,001 – $190,000	$40,500 plus 37c for each $1 over $135,000
$190,001 and over	$60,850 plus 45c for each $1 over $190,000

HECS-HELP compulsory repayments
Repayment income	Repayment
$0 – $69,528	Nil
$69,529 – $129,717	15c for each $1 over $69,528
$129,718 – $186,050	$9,028 plus 17c for each $1 over $129,717
$186,051 and over	10% of total repayment income

Low income tax offset
Taxable income	Offset
$37,500 or less	$700
$37,501 – $45,000	$700 minus 5c for each $1 over $37,500
$45,001 – $66,667	$325 minus 1.5c for each $1 over $45,000
Over $66,667	Nil

Medicare levy surcharge (no private hospital cover)
Single income	Family income	Rate
$105,000 or less	$210,000 or less	0%
$105,001 – $123,000	$210,001 – $246,000	1%
$123,001 – $164,000	$246,001 – $328,000	1.25%
$164,001 or more	$328,001 or more	1.5%

Medicare levy and super
Medicare levy	2% of taxable income
Low-income levy threshold (single)	None at $28,011 or less, phasing in to the full 2% at $35,013
Super guarantee	12% of qualifying earnings, paid every payday
Maximum super contribution base	$270,830 a year

The family threshold for the surcharge rises by $1,500 for each dependent child after the first.

Questions people ask

How much tax do I pay on $100,000 in 2026–27?

As an Australian resident with no other income, tax on a $100,000 taxable income is $20,520, plus a $2,000 Medicare levy, so $22,520 in total. That leaves $77,480 before any HECS-HELP repayment.

If you use the new $1,000 standard work deduction, your taxable income drops to $99,000, which lowers the total to $22,200.

What are the Australian tax brackets for 2026–27?

For residents: nothing on the first $18,200, then 15% up to $45,000, 30% up to $135,000, 37% up to $190,000 and 45% above that. The 15% rate is new for 2026–27; it was 16% last year. Most people also pay the 2% Medicare levy.

Why is the tax on my payslip different from my tax bill?

Your employer withholds tax using ATO formulas that spread an estimate of your yearly tax across each pay. Your actual tax is worked out when you lodge your return, using your real taxable income, deductions and offsets. The difference becomes a refund or a bill.

Years with 27 fortnightly or 53 weekly pays can also leave you slightly short, because the formulas assume 26 or 52.

When do I start repaying HECS-HELP in 2026–27?

Compulsory repayments start once your repayment income goes above $69,528. Since 2025–26 the system is marginal, so you repay 15c of each dollar above $69,528 rather than a percentage of your whole income. Above $129,717 the rate is 17c, and above $186,050 it becomes 10% of your total repayment income.

How much super will my employer pay?

The super guarantee is 12% of your qualifying earnings. From 1 July 2026, employers pay it every payday instead of every quarter. They don't have to pay super on earnings above $270,830 for the year.

What is the $1,000 standard deduction?

From your 2026–27 tax return, you can claim a standard deduction of up to $1,000 for work-related expenses without keeping receipts. If your real work expenses are higher, you can still itemise them instead. It reduces your taxable income at tax time, not the tax withheld from your pay.

Should I claim the tax-free threshold?

Usually only from one employer at a time, normally the job that pays the most. If you claim it from two jobs, too little tax is withheld and you'll likely have a bill at tax time.

What is the Medicare levy surcharge?

It's an extra 1% to 1.5% charged on top of the Medicare levy if you don't have private hospital cover and your income is above $105,000 as a single, or $210,000 as a family, in 2026–27.

Does this calculator store or send my salary?

No. Every calculation happens in your browser. Nothing you type is saved or sent anywhere.

Sources and limits

Every rate comes from the Australian Taxation Office. The withholding formulas reproduce the ATO's own sample data for 2026–27, row for row.

This is an estimate, not tax advice. It assumes one job and no other income, deductions, offsets or a spouse. Your HECS-HELP and surcharge figures use taxable income only; the ATO also adds things like reportable super contributions and fringe benefits. It doesn't cover working holiday makers, seniors and pensioners, salary sacrifice or Medicare exemptions. The ATO's Medicare low-income thresholds for 2026–27 assessments may still be updated. For your exact position, use the ATO's calculators or a registered tax agent.

Rates last checked: 22 October 2026.

Pay Calculator, an ANTB app