2026-27 · NAT 1007

Monthly Tax Table 2026-27

How much your employer withholds from monthly pay, for every earnings step from $900 to $17,600 and every withholding scale. Computed from the ATO Schedule 1 formulas (NAT 1004, published 17 June 2026), not retyped from a PDF.

Scales 1 to 680 earnings rowsPrintableApplies from 1 July 2026

Compiled by Marcus Kelleher, Editor, pay and tax content. Generated from the published Schedule 1 formulas and checked against all 14 rows of the ATO monthly withholding sample data. Last verified 30 July 2026.

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 monthly earnings of $6,500 with the tax-free threshold claimed, your employer withholds $1,296 a month for 2026-27. On $5,000 it is $810, and on $8,000 it is $1,772. Study loan repayments are withheld on top.
The table

Monthly Withholding Amounts, 2026-27

Find your gross monthly earnings in the first column, then read across to the scale matching your TFN declaration. Amounts are rounded to the nearest dollar, as the ATO requires.

  • Scale 1tax-free threshold not claimed
  • Scale 2tax-free threshold claimed
  • Scale 3foreign residents
  • Scale 5full Medicare levy exemption
  • Scale 6half Medicare levy exemption
  • Scale 4no TFN provided: 47% resident, 45% foreign resident
ATO monthly withholding, 2026-27, computed from Schedule 1 (NAT 1004)
Monthly earningsScale 1Scale 2Scale 3Scale 5Scale 6
$900$139$0$269$0$0
$1,000$160$0$299$0$0
$1,100$182$0$329$0$0
$1,200$204$0$360$0$0
$1,300$225$0$390$0$0
$1,400$247$0$420$0$0
$1,500$264$0$451$0$0
$1,600$286$4$481$4$4
$1,700$303$22$511$22$22
$1,800$321$35$537$35$35
$1,900$338$52$568$52$52
$2,000$360$65$598$65$65
$2,100$377$78$628$78$78
$2,200$394$95$659$95$95
$2,300$420$108$689$108$108
$2,400$455$130$719$126$126
$2,500$485$156$750$139$139
$2,600$520$182$780$156$156
$2,700$550$208$810$169$169
$2,800$585$234$841$186$186
$2,900$615$256$871$199$199
$3,000$646$273$901$217$217
$3,100$680$290$927$230$230
$3,200$711$308$958$247$247
$3,300$745$329$988$260$260
$3,400$776$347$1,018$277$277
$3,500$810$364$1,049$295$295
$3,600$841$381$1,079$308$308
$3,700$871$399$1,109$325$325
$3,800$906$425$1,140$347$347
$3,900$940$459$1,170$381$381
$4,000$971$490$1,200$407$412
$4,100$1,001$520$1,231$438$446
$4,200$1,036$555$1,261$468$485
$4,300$1,066$585$1,291$498$520
$4,400$1,096$620$1,317$529$555
$4,600$1,161$685$1,378$589$624
$4,800$1,226$745$1,439$650$693
$5,000$1,291$810$1,499$711$763
$5,200$1,356$875$1,560$771$823
$5,400$1,417$940$1,621$832$888
$5,600$1,482$1,005$1,681$893$949
$5,800$1,547$1,070$1,738$953$1,010
$6,000$1,612$1,131$1,798$1,014$1,075
$6,200$1,673$1,196$1,859$1,075$1,135
$6,400$1,738$1,261$1,920$1,131$1,196
$6,600$1,803$1,326$1,980$1,192$1,261
$6,800$1,868$1,391$2,041$1,252$1,322
$7,000$1,928$1,452$2,097$1,313$1,382
$7,200$1,993$1,517$2,158$1,374$1,443
$7,400$2,058$1,582$2,219$1,434$1,508
$7,600$2,123$1,647$2,279$1,491$1,569
$7,800$2,188$1,712$2,340$1,556$1,634
$8,000$2,249$1,772$2,401$1,612$1,694
$8,200$2,314$1,837$2,461$1,673$1,755
$8,400$2,379$1,902$2,518$1,733$1,816
$8,600$2,444$1,963$2,578$1,794$1,881
$8,800$2,505$2,028$2,639$1,855$1,941
$9,200$2,635$2,158$2,760$1,972$2,067
$9,600$2,760$2,284$2,877$2,093$2,188
$10,000$2,908$2,414$2,999$2,214$2,314
$10,400$3,068$2,544$3,120$2,336$2,440
$10,800$3,220$2,669$3,241$2,453$2,561
$11,200$3,376$2,795$3,358$2,574$2,687
$11,600$3,532$2,951$3,506$2,717$2,834
$12,000$3,688$3,107$3,653$2,864$2,986
$12,400$3,844$3,263$3,800$3,012$3,137
$12,800$4,000$3,419$3,948$3,163$3,289
$13,200$4,156$3,575$4,099$3,311$3,441
$13,600$4,312$3,731$4,247$3,458$3,592
$14,000$4,468$3,887$4,394$3,605$3,744
$14,400$4,632$4,043$4,541$3,753$3,900
$14,800$4,819$4,199$4,689$3,900$4,052
$15,200$5,009$4,355$4,836$4,047$4,203
$15,600$5,196$4,511$4,988$4,199$4,355
$16,000$5,386$4,680$5,148$4,359$4,520
$16,400$5,573$4,866$5,326$4,537$4,702
$16,800$5,759$5,053$5,508$4,719$4,888
$17,200$5,950$5,243$5,685$4,901$5,070
$17,600$6,136$5,430$5,867$5,079$5,256

Each row is computed by the ATO method rather than interpolated: the monthly earnings are multiplied by 3 and divided by 13, the whole dollars plus 99 cents are put through the weekly formula, and the rounded result is multiplied by 13, divided by 3 and rounded again.

Why monthly is different

The Only Cycle That Rounds Twice

There is one set of coefficients in Schedule 1 and they are weekly. Every other cycle is converted to a weekly equivalent, run through the formula, then scaled back. For a fortnightly pay that conversion is clean: halve the earnings, round once at the weekly step, double the result. Monthly is the awkward one. It multiplies by 3 and divides by 13 on the way in, then multiplies by 13 and divides by 3 on the way out, and it rounds at both ends.

That second rounding is why the obvious shortcut does not work. On $1,500 a week, scale 2 withholds $299. The same salary paid monthly is $6,500, and 13/3 of the weekly figure comes to $1,295.67. The correct withholding is $1,296. Neither number is wrong. They are the output of a formula that rounds in the middle, and only the second one is what payroll must withhold.

The same effect shows up across a full year. On an annual salary of $84,000, twelve monthly pays withhold $17,424 while fifty-two weekly pays withhold $17,420 and twenty-six fortnightly pays also withhold $17,420. Checked across every salary from $20,000 to $300,000, the monthly figure sits within $4 a year of the weekly one and lands above it about as often as below. It is settled at assessment either way.

The stray cent

The 33 Cent Rule, and When It Actually Bites

Schedule 1 carries an instruction that applies to no other pay cycle: sum the monthly earnings, and if the result ends in 33 cents, add one cent before converting. It reads like a typo. It is not. Dividing by 13 at that exact fraction lands a hair below a whole dollar, the cents are then discarded, and a dollar of withholding disappears.

It is also not rare enough to ignore. Scanning every monthly amount ending in 33 cents from $500 to $20,000, the rule changes the withheld figure in about one case in forty on scale 2. On monthly earnings of $3,202.33, applying the rule gives $312 withheld. Skipping it gives $308, which is $4 a month short, or $48 across a year. Every row in the table above applies the rule.

One thing monthly gets right

No 53rd Pay, No 27th Pay, No Extra Withholding to Request

A financial year contains exactly 12 monthly pay days. It always has and it always will, which means the monthly tax table never has to assume a pay count that turns out to be wrong.

Weekly and fortnightly earners do not get that. Their tables assume 52 and 26 pays, and a year that runs to 53 or 27 leaves a shortfall that only surfaces as a bill at assessment. The ATO publishes optional extra amounts to cover it, but an employer will not apply them unless the employee asks. If you are paid monthly, there is nothing to ask for.

If you are paid weekly instead, use the weekly tax table, and if you are paid fortnightly, the fortnightly tax table. For the underlying equations and the scale 1 to scale 6 coefficients, see the PAYG withholding tax tables hub. To work out take-home pay rather than the amount withheld, use the monthly pay calculator.

No TFN

What Happens Without a Tax File Number

None of the columns above apply if your employer does not hold your TFN. Scale 4 applies instead: a flat 47% for a resident payee and 45% for a foreign resident payee, with cents ignored. On $6,500 a month that is $3,055 withheld rather than $1,296 under scale 2, a difference of $1,759 every month, or $21,108 over a year. A completed TFN declaration moves you back to scale 1 or scale 2.

Questions

Monthly Tax Table FAQ

With the tax-free threshold claimed (scale 2), your employer withholds $1,296 from monthly earnings of $6,500 for 2026-27. Without the tax-free threshold claimed (scale 1) the same $6,500 has $1,772 withheld. Both figures come from the ATO Schedule 1 (NAT 1004) formulas the monthly tax table is derived from, and neither includes a study loan repayment, which is withheld separately under Schedule 8.
NAT 1007 is the ATO product number for the monthly tax table. It is the printed lookup version of Schedule 1 (NAT 1004), the statement of formulas that payroll software implements. Both were published on 17 June 2026 and apply to payments made from 1 July 2026 to 30 June 2027. The table on this page is generated from the NAT 1004 formulas rather than transcribed from the printed table, and it has been checked against all 14 rows of the ATO monthly withholding sample data.
Close, but not exact, and monthly is the one cycle where the shortcut fails. The ATO method multiplies monthly earnings by 3, divides by 13, rounds at that weekly step, then multiplies by 13 and divides by 3 and rounds again. Because there are two roundings rather than one, the result drifts. On $6,500 a month, 13/3 of the $299 weekly figure would be $1,295.67, but the correct withholding is $1,296. Fortnightly has only one rounding, so there doubling is exact.
Because dividing by 13 at that particular fraction lands just below a whole dollar and drops withholding that should be collected. Schedule 1 instructs you to add one cent first, and it is not a rounding curiosity: it changes the answer in roughly one in every forty monthly amounts. On monthly earnings of $3,202.33 under scale 2, applying the rule gives $312 withheld, while skipping it gives $308, a difference of $4 a month. The table on this page applies the rule.
No, and this is the one respect in which monthly is simpler than every other cycle. A financial year always contains exactly 12 monthly pay days, so the table never has to assume a pay count that turns out wrong. Weekly pays can run to 53 in a year and fortnightly to 27, and both cases leave too little withheld unless the employee asks for an extra amount. Monthly earners have nothing to request.
Almost, but not to the dollar, and monthly is not systematically higher or lower. On an annual salary of $84,000 under scale 2, twelve monthly pays withhold $17,424 across the year while fifty-two weekly pays withhold $17,420, a gap of $4. Across every salary from $20,000 to $300,000 the gap is never more than $4 a year in either direction. It is an artefact of where the roundings fall, it is settled at assessment, and it is not worth changing your pay cycle over.
Add up the two payments made in the month, treat the total as monthly earnings, look up the monthly withholding, then halve it. Schedule 1 has no separate bi-monthly coefficients, so the monthly table is the correct starting point. Rounding to the nearest dollar applies to the final halved figure.
Yes. The page is laid out for printing: use your browser print command and choose "Save as PDF" as the destination. Navigation, banners and the footer are removed from the printed output, leaving the withholding table and the scale legend.