Australian Pay & Salary Calculator (2026-27)
Australian take-home pay is your salary minus income tax and the 2% Medicare levy, and minus HELP repayments if you have a study loan. For 2026-27 the first $18,200 is tax-free, then 15% to $45,000, 30% to $135,000, 37% to $190,000 and 45% above. Super of 12% is paid by your employer on top.
| Yearly | Monthly |
|---|
· Calculated with AiStaffo
Tax and deduction rules (2026-27)
| Tax-free threshold | First $18,200 of taxable income is tax-free (residents). |
|---|---|
| Income tax 2026-27 | 15% on $18,201–$45,000; 30% to $135,000; 37% to $190,000; 45% above $190,000. The 15% rate replaced 16% from 1 July 2026. |
| Low income tax offset | Up to $700; reduced by 5c per $1 above $37,500 and 1.5c per $1 above $45,000; nil from $66,668. |
| Medicare levy | 2% of taxable income. Nil up to $28,011 (single); between $28,011 and $35,013 it is 10% of the income above $28,011. |
| HELP / study loans | Nil up to $69,528 repayment income; 15c per $1 above it to $129,717; $9,028 plus 17c per $1 to $186,050; then 10% of total repayment income. |
| Superannuation | Employer pays 12% super guarantee on top of salary (not deducted from pay). |
| No tax-free threshold | Second jobs: employer withholds at ATO Schedule 1 Scale 1 rates from the first dollar. |
| Tax year | 1 July 2026 to 30 June 2027. |
Worked example
Sam earns $85,000 a year, claims the tax-free threshold and has a HELP debt. Income tax is $4,020 on the first $45,000 plus 30% of $40,000 = $16,020 (no low income tax offset at this income). Medicare levy is 2% = $1,700. HELP repayment is 15% of the $15,472 above $69,528 = $2,320.80.
Take-home pay: $64,959.20 a year, about $5,413.27 a month. Sam's employer also pays $10,200 super (12%) into Sam's fund.
What changed on 1 July 2026
The second tax rate fell from 16% to 15% for income between $18,201 and $45,000. Everyone earning over $45,000 saves $268 a year compared with 2025-26. The rate falls again to 14% from 1 July 2027. HELP repayment thresholds were raised: nothing is repaid until repayment income passes $69,528, and only the part above that is charged at 15c in the dollar.
Tax-free threshold and second jobs
You can claim the tax-free threshold from one employer only, normally your main job. Untick the box to see what a second employer withholds: tax is taken from the first dollar at the ATO Scale 1 rates. Your final tax is worked out on your total income when you lodge your tax return.
For employers
Running payroll by hand (tax tables, contributions, payslips, filings) is routine work that AI workers now handle with almost no staff time. See what an employee really costs you, or book a free automation audit for your payroll.
Please note: figures follow the published 2026-27 rates as checked on 21 October 2026 for a resident employee in the standard case. It shows your yearly tax bill as worked out in a tax return (with the tax-free threshold) or Scale 1 withholding (without it). Medicare levy low-income thresholds are the latest published ($28,011 single); the 2026-27 figures are set in the 2027 Budget. Not included: Medicare levy surcharge, family and senior thresholds, salary sacrifice, reportable fringe benefits, other offsets and non-resident or working holiday maker rates. This is a guide, not tax advice; your payslip can differ because of tax codes, benefits and timing.
Sources
Questions people ask
How much tax do I pay on $100,000 in Australia in 2026-27?
What are the 2026-27 tax brackets in Australia?
Is super taken out of my salary?
When do I have to repay my HELP debt?
Should I claim the tax-free threshold?
Does this include the Medicare levy surcharge?
Book a free automation audit
Thirty minutes. We look at one process you run every week and tell you exactly what an AI worker would take off your desk, and what it would not.