Updated for 2026-27

Income Tax Calculator Australia

See the income tax on your salary for the 2026-27 financial year, plus your full take-home pay after the Medicare levy and HECS/HELP.

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Australian Take-Home Pay Calculator 2026-27

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Disclaimer: This calculator provides general estimates, not personal tax or financial advice. Figures use published ATO rates for 2026-27 and may not match your exact situation, offsets or deductions. Do not act on these results alone. For official guidance, visit the ATO, or speak to a registered tax agent.

On a $90,000 salary in 2026-27, an Australian resident pays $17,520 in income tax plus $1,800 Medicare levy. That leaves $70,680 take-home, with $10,800 super paid on top.

2026-27 Income Tax Brackets

Resident marginal rates. The first rate was cut from 16% to 15% from 1 July 2026.

Taxable incomeRateTax on this income
$0 – $18,2000%Nil (tax-free threshold)
$18,201 – $45,00015%15c per $1 over $18,200
$45,001 – $135,00030%$4,020 + 30c per $1 over $45,000
$135,001 – $190,00037%$31,020 + 37c per $1 over $135,000
$190,001 +45%$51,370 + 45c per $1 over $190,000

Excludes the 2% Medicare levy. New for 2026-27: a $1,000 standard work deduction you can claim at tax time. Source: Australian Taxation Office.

How Income Tax Is Calculated

Australia uses a marginal (progressive) system. You do not pay one flat rate on your whole salary. Each slice of your income is taxed at the rate for its bracket, so only the income above each threshold is taxed at the higher rate. Every rate and threshold is listed in the tax brackets 2026-27 guide, and the difference between the rate on your next dollar and your overall rate is covered in marginal vs average tax rate. Income tax is federal, so the result is the same in every state, as explained in is there state income tax in Australia.

Worked example, $90,000 salary:

The first $18,200 is tax-free. The slice from $18,201 to $45,000 is taxed at 15% ($4,020). The slice from $45,001 to $90,000 is taxed at 30% ($13,500). Total income tax is $17,520. On top of that, the 2% Medicare levy adds $1,800.

Your marginal rate is 30%, but your average tax rate on $90,000 is only about 21.5%, because the first $18,200 is tax-free and the next band is only 15%.

Use the calculator above or read how Australian income tax works.

Tax on a $90,000 Salary

Take-home pay$70,680
Income tax$17,520
Medicare levy$1,800
Super (extra, on top)$10,800

Related Calculators

Break your pay down further.

Take-Home Pay

Your full net pay after every deduction

Medicare Levy

The 2% levy and low-income reduction

HECS/HELP Repayment

Your study loan repayment for 2026-27

Superannuation

The 12% super paid on top of your salary

Income Tax FAQ

Common questions about Australian income tax.

On a $90,000 salary, an Australian resident pays $17,520 in income tax for 2026-27, plus a 2% Medicare levy of $1,800. That leaves $70,680 take-home, with 12% super paid on top by the employer. Enter your own salary above to see your exact figure.
The tax-free threshold is $18,200. Australian residents pay no income tax on the first $18,200 they earn. From 1 July 2026 the next bracket is taxed at 15%, down from 16%.
Your marginal rate is the rate on your next dollar of income. Your average rate is your total tax divided by your income, which is always lower because the first $18,200 is tax-free and lower bands are taxed less.
Employer super is not part of your salary, so it is not in your take-home pay. It is taxed inside the fund at a concessional 15% rather than at your marginal rate, which is why salary sacrificing into super can reduce your total tax.

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