Free · No signup · 2026-27 ATO brackets

Australian Income Tax Calculator

Enter your gross income and we'll work out your tax, Medicare Levy, LITO, MLS (if applicable), HECS repayment (if applicable), and take-home per year, fortnight and week. Same engine as our paid tax hub.

Enter your gross income to see your tax owed + take-home. Every field is optional beyond that.
How this calculator is built
Built by an Australian Chartered Accountant — the same engine the paid NestWise dashboard runs. Every rate table is verified against the source below every 1 July, 20 March, and 20 September and covered by a 200+ scenario regression suite.
Sources: ATO — Individual income tax rates · ATO — Medicare Levy · ATO — Low Income Tax Offset · ATO — Study and training loan repayments

How the calculation works

Tax on income — 2026-27 ATO brackets: 0% up to $18,200 · 15% $18,201–$45,000 · 30% $45,001–$135,000 · 37% $135,001–$190,000 · 45% $190,001+.
Medicare Levy — 2% of taxable income, with a low-income shading between the threshold and the shade-in point (families higher thresholds).
LITO — Low Income Tax Offset. Up to $700 for incomes at or below $37,500; phased out to zero by $66,667.
Medicare Levy Surcharge (MLS) — 1–1.5% extra on higher incomes without private hospital cover. Tick the box if you have eligible cover; otherwise the calc includes it when you cross the threshold.
HECS/HELP — tiered % of repayment income (proxied here to taxable income). Tick the box if you have a HELP balance.
The engine is the same one that runs on the paid /dashboard/tax-time hub. This calculator is an estimate — confirm with your accountant or the ATO for final figures.
Sign up · $20/yr founding
Track this all year, not just at EOFY

Signup unlocks the tax-time hub — deductions logged as you go (the way the ATO actually wants), payslip-scan to auto-populate PAYG withheld, EOFY supplements watched (~$476/yr most families miss), and MLS + LHC reminders in-context.

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