Australia income tax calculator: calculate your tax payable and take-home pay

Australia income tax calculator

Estimate AU income tax, Medicare levy, LITO/SAPTO and take-home pay for 2025–26 or 2024–25.

Common scenarios (presets)Income year

Australia’s financial year runs 1 July to 30 June.

Taxpayer type

Different tax tables apply by status.

Gross income (AUD)AUD

Total deductions (AUD)

Taxable income ≈ gross income minus deductions.

Private hospital cover for the whole year?

If No and your income is above MLS thresholds, MLS may apply.

Advanced options

Eligible for LITO (Low Income Tax Offset)?

Auto: residents only. LITO reduces tax payable (non-refundable).

Eligible for SAPTO (Seniors & Pensioners Tax Offset)?

Medicare levy applies?

Default Yes for residents, No for non-residents.

Family status

Number of dependent children/students

MLS income (AUD)

Leave blank to use taxable income.

Days without appropriate hospital cover

Results

Income year2025-26

Taxable income90.000,00 AUD

Income tax (before offsets)17.788,00 AUD

LITO0,00 AUD

SAPTO0,00 AUD

Income tax (after offsets)17.788,00 AUD

Medicare levy1800,00 AUD

Medicare levy surcharge0,00 AUD

Total estimated tax19.588,00 AUD

Estimated take-home pay70.412,00 AUD

Rounded to 2 decimals for display. Final ATO assessments may differ due to offsets, MLS income rules, and rounding.

Examples

Resident with deductions (2025–26)

Gross $90,000, deductions $5,000 → taxable $85,000; tax ≈ $16,288 + Medicare levy $1,700 → total $17,988.

Low income with LITO (2025–26)

Gross $30,000, deductions $0 → LITO reduces tax; Medicare levy applies in phase-in range.

Estimate Australian individual income tax from your income and deductions, then add Medicare levy (2%) and, if relevant, Medicare levy surcharge (MLS) when you don’t have appropriate hospital cover and your income exceeds thresholds. You’ll need your gross income, deductions, and whether you’re a tax resident, non-resident, or working holiday maker. Australia’s financial year runs 1 July to 30 June. This calculator supports 2025–26 and 2024–25 rates, resident vs non-resident vs WHM tables, LITO and optional SAPTO, Medicare levy reductions, and MLS tiers. Verified January 28, 2026. Informational estimate only—actual ATO assessments may differ due to offsets, MLS income rules, and rounding.

FAQs

Do I need to pick 2025–26 or 2024–25?

Choose the year you earned the income in (Australia’s year is 1 Jul–30 Jun).

Does this include the Medicare levy?

Yes—when Medicare levy is on, it adds the standard 2% with low-income reductions.

I’m a non-resident. Do I get the $18,200 tax-free threshold?

No—non-resident tax rates start from the first dollar and use different brackets.

What’s the difference between gross income and taxable income?

Taxable income is gross income minus deductions.

Why is my income tax $0 even though I earned more than $18,200?

Residents can also get LITO, which can reduce income tax further at low incomes.

What is MLS and when does it apply?

MLS is an extra 1%–1.5% charge if you don’t have suitable hospital cover and your income is above MLS thresholds.

I have private extras cover only—does that avoid MLS?

Generally no; MLS relates to having appropriate private hospital cover.

Why is WHM tax different?

Working holiday makers are taxed under a special table and don’t get the resident tax-free threshold.

Does this calculator tell me my refund?

No—refunds depend on how much PAYG was withheld versus your final assessed tax.

Note: This calculator provides an estimate. Rates can vary by region and change over time. It is not tax advice.

See more in calculators for Australia.

Sources

ATO — Individual income tax rates
https://www.ato.gov.au/individuals-and-families/income-deductions-and-concessions/tax-rates
Australian Taxation Office · Australia · Accessed: 2026-01-28
Resident and non-resident income tax rates.
ATO — Working holiday makers
https://www.ato.gov.au/individuals-and-families/income-deductions-and-concessions/income-you-must-declare/working-holiday-makers
Australian Taxation Office · Australia · Accessed: 2026-01-28
WHM tax treatment and rates guidance.
ATO — Low income tax offset (LITO)
https://www.ato.gov.au/individuals-and-families/offsets-and-rebates/low-income-tax-offset
Australian Taxation Office · Australia · Accessed: 2026-01-28
LITO eligibility and bands.
ATO — Seniors and pensioners tax offset (SAPTO)
https://www.ato.gov.au/individuals-and-families/offsets-and-rebates/seniors-and-pensioners-tax-offset
Australian Taxation Office · Australia · Accessed: 2026-01-28
SAPTO eligibility and thresholds.
ATO — Medicare levy
https://www.ato.gov.au/individuals-and-families/medicare-and-private-health-insurance/medicare-levy
Australian Taxation Office · Australia · Accessed: 2026-01-28
Medicare levy rules and low-income thresholds.
Australian Government — Medicare levy surcharge
https://www.privatehealth.gov.au/health_insurance/surcharges_incentives/medicare_levy.htm
Australian Government · Australia · Accessed: 2026-01-28
MLS thresholds and rates.
MoneySmart — Income tax
https://moneysmart.gov.au/work-and-tax/income-tax
Australian Securities and Investments Commission · Australia · Accessed: 2026-01-28
Plain-language guidance on income tax and take-home pay.

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