Australia Salary After Tax Calculator (2026–27)
Calculate Australian take-home pay for 2026–27: resident income tax, low income tax offset, Medicare levy and HELP repayments, per year, fortnight and week.
See what an Australian salary leaves you after tax in 2026–27 (1 July 2026 to 30 June 2027), the first year the 16% rate drops to 15%. The calculator applies the resident tax rates, the Low Income Tax Offset, the 2% Medicare levy with its low-income phase-in and compulsory HELP/HECS repayments under the new marginal system, and shows employer super at 12%, capped at the statutory earnings base.
How to use this tool
- Enter your annual salary, not including super.
- Tick the box if you have a HELP, HECS or other study loan.
- Read your take-home pay per year, month, fortnight and week.
Formula
Take-home = Salary − (income tax − LITO) − Medicare levy − HELP repayment
Income tax: 0% up to $18,200, 15% to $45,000, 30% to $135,000, 37% to $190,000 and 45% above. LITO is $700, reduced by 5c per dollar over $37,500 and 1.5c per dollar over $45,000. The Medicare levy is 2%, phased in at 10c per dollar above $28,011. HELP takes 15c per dollar of income over $69,528 and 17c per dollar over $129,717, capped at 10% of income.
Example
On $90,000, tax is 15% × $26,800 + 30% × $45,000 = $17,520, and there is no LITO above $66,667. The Medicare levy is 2% = $1,800. Take-home pay is $70,680 a year, or $2,718.46 a fortnight. With a HELP debt a further $3,070.80 (15% × $20,472) is repaid, leaving $67,609.20.
Frequently asked questions
Is super taken out of my salary?
No. Employer super is separate from cash pay. From July 2026, the annual earnings base is capped at $270,830. Dividing a package by 1.12 works only below that cap when super is the sole added benefit.
Why does my payslip show different tax?
Employers withhold using ATO tax tables that round each pay and spread the offset across the year. Your actual tax is settled when you lodge your return.
How did HELP repayments change?
Since 2025–26 repayments are charged only on income above the threshold instead of a percentage of your whole income. For 2026–27 the threshold is $69,528, so someone on $75,000 repays 15% of $5,472, about $821 for the year.
Who needs different figures?
Non-residents, working holiday makers, people without private hospital cover above the Medicare levy surcharge threshold, and anyone with deductions, salary sacrifice or other income.
Sources
- Treasury Laws Amendment (More Cost of Living Relief) Act 2025 — 2026–27 rates
- ATO — Low income tax offset
- ATO — Medicare levy reduction for low-income earners
- ATO — Super guarantee rates and annual contribution base
- Medicare Levy Act — current singles threshold
- HELP minimum repayment income 2026–27 (legislative notice)
This tool gives an estimate for general information only. It is not financial, tax, legal or medical advice — check with a qualified professional before you rely on the result.
Last updated: 2026