Abacurio · abacurio.com

Australia income tax calculator 2026-27

Enter your salary to see your take-home pay for the 2026-27 financial year (1 July 2026 to 30 June 2027), using the resident tax rates with the new 15% bottom rate. It includes the Medicare levy, the Medicare levy surcharge, the low income tax offset and HELP repayments.

On a gross salary of $90,000 a year, take-home pay in Australia is about $70,680 a year ($5,890 a month) — 79% of gross — after income tax and social contributions under 2026-27 rules (default settings).

Australia income tax calculatorTax year 2026-27 · AUD
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Net pay per month

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    Where your gross pay goes

    ItemPer yearPer month%

    An estimate for an employee on a regular salary. Rules, rates and your personal situation can change the result. This is not tax advice — confirm with the tax authority or a tax adviser.

    Tax year 2026-27 · Rules last checked October 2026

    How it works

    This calculator shows your take-home pay for the 2026-27 financial year as an Australian resident for tax purposes who claims the tax-free threshold. Rates come from the Australian Taxation Office (ATO). Pay is taxed through PAYG withholding, and your actual tax is settled when you lodge your tax return.

    Australian resident tax rates 2026-27

    • $0 – $18,200: nil
    • $18,201 – $45,000: 15 cents for each $1 over $18,200 (down from 16% in 2025-26 and heading to 14% in 2027-28)
    • $45,001 – $135,000: $4,020 plus 30 cents for each $1 over $45,000
    • $135,001 – $190,000: $31,020 plus 37 cents for each $1 over $135,000
    • Over $190,000: $51,370 plus 45 cents for each $1 over $190,000

    Other items included

    • Low income tax offset (LITO): up to $700, reduced by 5 cents per dollar above $37,500 and by 1.5 cents per dollar above $45,000, reaching nil at $66,667. It can only reduce your income tax to zero.
    • Medicare levy: 2% of taxable income. Low earners pay less: nothing up to $28,011, then 10 cents per dollar above that until the full 2% applies at $35,013. These are the 2025-26 thresholds, the latest published.
    • Medicare levy surcharge (singles): if you have no private hospital cover, 1% above $105,000, 1.25% above $123,000 and 1.5% above $164,000, charged on your whole income.
    • HELP and other study loans: from 2025-26 repayments are marginal. For 2026-27 it is nil up to $69,528, 15 cents per dollar from $69,528 to $129,717, then $9,028 plus 17 cents per dollar up to $186,050, and 10% of your whole income above that.

    Worked example: $90,000 salary

    Income tax = $4,020 + 30% × ($90,000 − $45,000) = $17,520

    • LITO: nil at this income
    • Medicare levy: 2% × $90,000 = $1,800
    • Take-home pay: $90,000 − $17,520 − $1,800 = $70,680 a year, $5,890 a month
    • With a HELP debt the repayment is 15% × ($90,000 − $69,528) = $3,070.80, leaving $67,609.20

    A single person earning $130,000 with no private hospital cover also pays a 1.25% surcharge of $1,625, which gives $96,255 after tax, Medicare levy and surcharge. Employer super of 12% is paid on top and is not part of these deductions.

    What this calculator leaves out

    It assumes a full year as a resident with the tax-free threshold, one job, no deductions or salary sacrifice, no reportable fringe benefits and no family or dependants (so the family Medicare levy and surcharge thresholds are not modelled). The Medicare levy low-income thresholds for 2026-27 had not been published when this page was prepared, so the 2025-26 figures are used. Non-residents, working holiday makers and senior or pensioner offsets are not covered, and neither is the proposed $1,000 instant work-related deduction because it is not law yet.

    Official sources

    Common questions

    How much tax do I pay on $90,000 in Australia in 2026-27?

    Income tax is $17,520 and the Medicare levy is $1,800, so you take home $70,680 a year (about $5,890 a month), before any HELP repayment and not counting the 12% super your employer pays on top.

    What changed for 2026-27?

    The 16% tax rate on income between $18,200 and $45,000 falls to 15% from 1 July 2026, saving up to $268 a year, and it falls again to 14% on 1 July 2027. The Medicare levy surcharge thresholds and HELP repayment thresholds were also indexed.

    Is this calculator exact?

    It uses the ATO resident rates, LITO, Medicare levy, surcharge and HELP rules for 2026-27 and should match PAYG withholding closely. Your final tax depends on your tax return, deductions and other income, so treat the result as an estimate rather than tax advice.

    Who pays the Medicare levy surcharge?

    It applies if your income is above the threshold ($105,000 for a single in 2026-27) and you do not have an appropriate private hospital cover for the whole year. The rate is 1%, 1.25% or 1.5% of your whole income depending on how high it is.

    How does HELP repayment work now?

    Since 1 July 2025 repayments use marginal rates, so extra income above a threshold only attracts the higher percentage on the extra amount. Repayments start above $69,528 in 2026-27. Your employer withholds it during the year and the final amount is settled in your tax return.