Calculate∑ What your result means
This estimate applies the resident individual income tax brackets to your taxable income, then adds the standard 2% Medicare levy to arrive at your total tax bill and take-home pay.
Australia PAYG Income Tax & Medicare Levy Calculator
Estimate your annual income tax and Medicare levy under the current resident tax brackets.
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Verified for 2026-27Methodology 2026-27.1 · reviewed 2026-08-08 · review by 2027-06-01
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Change annual taxable income to see how estimated annual take-home pay responds.
Understand your result
Clear context for the values above.
Estimated annual take-home pay
Estimated annual take-home pay is included so you can interpret this estimate and make a better-informed comparison.
Income tax
Income tax is included so you can interpret this estimate and make a better-informed comparison.
Medicare levy (2%)
Medicare levy (2%) is included so you can interpret this estimate and make a better-informed comparison.
Effective tax rate
Effective tax rate is included so you can interpret this estimate and make a better-informed comparison.
How to use this calculator
- 1Enter your current annual taxable income, applicable medicare levy lower threshold, applicable medicare levy phase-in upper threshold.
- 2Review the headline estimated annual take-home pay and the supporting figures beside it.
- 3Change one input at a time to see which assumption has the biggest effect.
- 4Confirm current Australian rates and thresholds with an official source before acting.
Explore this calculator
What your result means →The headline estimated annual take-home pay is based on the inputs currently shown above.Key terms explained →Review the key terms and figures used to calculate this result.How to use this calculator →Enter your figures, review the live result, compare scenarios, then save or print your estimate.The calculation formula →The calculation follows the standard formula for this calculator. Results update whenever an input changes.Worked example →Using the current values produces $74,080.Assumptions and limitations →Review the assumptions used to produce this estimate before relying on it.Costs or factors not included →Review any costs, fees or rules not automatically included before making a decision.Frequently asked questions →How accurate is this estimate? What should I check before relying on it? Can I save or share the result?
▦ How this calculator works
For 2026–27, tax is calculated marginally: 0% up to $18,200, 15% up to $45,000, 30% up to $135,000, 37% up to $190,000, and 45% above that. The displayed Medicare levy is a planning estimate; low-income thresholds and reductions require separate eligibility inputs.
◇ Assumptions and what's not included
The Low Income Tax Offset, Medicare levy low-income thresholds and phase-in, HECS-HELP repayments, private health rebates and any Medicare levy surcharge are not included here — use the dedicated HECS-HELP and Medicare Levy Surcharge calculators alongside this one for a fuller picture.
▤ What to do next
Use this as a planning estimate for your annual tax position, then check the ATO's own tax withheld calculator or your accountant for a figure that reflects offsets and your exact circumstances.
Australia-specific contextFigures use AUD and current published rates and thresholds.
Reviewed for clarityUpdated 3 August 2026.
ImportantFor planning and educational use — not tax, legal or financial advice.
Your privacy mattersInputs stay in your browser.
Frequently asked questions
Does this include the Medicare levy surcharge?+
No. The Medicare Levy Surcharge is a separate additional charge for higher earners without private hospital cover — use the dedicated MLS calculator for that.
Is the Low Income Tax Offset included?+
No, this estimate shows gross tax payable before any offsets, which can reduce the final amount owed for lower incomes.
Are these the current tax brackets?+
These reflect the legislated 2026–27 resident brackets, including the 15% first marginal rate from 1 July 2026. Tax offsets and special taxpayer categories are separate.
Does this cover non-residents?+
No. Non-resident and working-holiday-maker tax rates are different and are not modelled by this calculator.
Official references
Rules and thresholds used by this calculator are labelled for 2026–27 or formula-labelled period. Review the primary guidance before making a filing, borrowing, benefit or investment decision.
Last source review: 3 August 2026. Calculator results are estimates and may exclude circumstances described in the methodology.