Estimate your 2025–26 take-home pay in Australia, as a resident for tax purposes: income tax on the revised Stage 3 brackets, the Medicare levy, the low income tax offset and, if you have one, a HELP repayment. Rates checked 29 October 2026 — figures are for the 2025–26 financial year. Everything runs in your browser.
Assumptions, stated plainly: you are an Australian resident for tax purposes for the full year, single with no dependants for the Medicare levy reduction, and your salary is your taxable income (no deductions or other offsets). The Medicare levy surcharge, family levy reductions, SAPTO and part-year residency are not included.
| Income tax (before offsets) | — |
| Less low income tax offset (LITO) | — |
| Medicare levy | — |
| Total | — |
—
2025–26 figures used (ATO resident rates): no tax to $18,200, 16% to $45,000, 30% to $135,000, 37% to $190,000, 45% above; Medicare levy 2%, phasing in at 10% of income above the $28,011 lower threshold up to the $35,013 upper threshold for a single taxpayer; LITO up to $700, phasing out by $66,667; HELP marginal repayments from $67,000. Source: ato.gov.au — tax rates for Australian residents, Medicare levy reduction for low-income earners, low income tax offset, and study and training loan repayment thresholds and rates. Rates checked 29 October 2026.
Estimate 2025–26 Australian take-home pay for residents: Stage 3 income tax, Medicare levy, LITO and optional HELP repayments.
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Work out your 2025–26 take-home pay in Australia as a resident for tax purposes: income tax on the revised Stage 3 brackets, the 2% Medicare levy with its low-income phase-in, the low income tax offset, and an optional HELP repayment — with your net pay, monthly and fortnightly net, average rate and marginal rate. Rates checked 29 October 2026; all figures are for the 2025–26 financial year.
On a $120,000 salary in 2025–26 with no HELP debt: income tax is $26,800 × 16% + $75,000 × 30% = $4,288 + $22,500 = $26,788. The low income tax offset is $0, because it cuts out at $66,667. The Medicare levy is the full 2% × $120,000 = $2,400. Total is $29,188, so net pay is $90,812 a year — $7,567.67 a month or $3,492.77 a fortnight — at a marginal rate of 30% + 2% = 32%.
Income tax uses the ATO resident rates for 2025–26 (the revised Stage 3 brackets): nil to $18,200, 16% to $45,000, 30% to $135,000, 37% to $190,000 and 45% above, each rate applying only to the slice of income in its bracket. The low income tax offset is up to $700 to $37,500, then shades out at 5 cents per dollar to $45,000 and 1.5 cents per dollar to $66,667, and can reduce income tax to $0 but not below. The Medicare levy is 2% of taxable income, with the official low-income phase-in for a single taxpayer: nothing at or below $28,011, then the lesser of 2% of income and 10% of the amount above $28,011, up to the $35,013 upper threshold. HELP repayments for 2025–26 use the ATO marginal system: nothing to $67,000, 15% of income above $67,000 to $125,000, then $8,700 plus 17% of income above $125,000 to $179,285, then 10% of total repayment income. Sources: ato.gov.au resident tax rates, Medicare levy reduction, low income tax offset and study loan repayment pages. Rates checked 29 October 2026.
2025–26 — the Australian financial year from 1 July 2025 to 30 June 2026. The brackets, Medicare thresholds, LITO and HELP tables were checked against ato.gov.au on 29 October 2026. From 2026–27 the 16% rate falls to 15%, so do not use this page for a 2026–27 estimate.
No — and that is deliberate. Where a package is quoted as salary plus super, the employer’s superannuation guarantee contribution is paid on top of your salary into your fund; you are taxed on the salary, not on the super contribution. Enter the salary figure only. If your package is quoted as a total including super, subtract the super component first.
Low-income earners get a phase-in, not a cliff. For a single taxpayer in 2025–26 there is no levy at or below $28,011; between $28,011 and $35,013 the levy is the lesser of 2% of income and 10% of the amount over $28,011; above $35,013 the full 2% applies. On $30,000 that phase-in gives $199 instead of $600.
LITO is a non-refundable offset worth up to $700 for residents on $37,500 or less, shading out to nothing at $66,667. The ATO works it out when you lodge — you do not claim it separately — and it can reduce your income tax to $0, but it does not reduce the Medicare levy and any unused amount is not refunded.
From 2025–26 HELP repayments are marginal, not a flat percentage of your whole income. Nothing is payable at or below $67,000 of repayment income; above that you pay 15% of the amount over $67,000 up to $125,000, then 17% on the slice to $179,285, and only at $179,286 or more is it 10% of total repayment income. On $80,000 the repayment is 15% × $13,000 = $1,950.
No. Each rate applies only to the slice of income inside its bracket, so a rise is taxed at your marginal rate on the extra dollars only — on $120,000 that is 30% tax plus 2% Medicare levy, 32 cents of each extra dollar, while your average rate across everything is about 24.3%.
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