Estimate your take-home pay for 2026-27, with resident income tax, the low income tax offset and Medicare levy.
For adult Australian residents claiming the tax-free threshold. Enter salary before tax, with employer super paid on top.
Choose the financial year and how often you are paid.
Calculate to see cash pay, income tax, offsets, Medicare and employer super. Results update as you change the inputs.
The estimate includes the low income tax offset and the standard single-person Medicare reduction. HELP repayments, Medicare levy surcharge, family reductions, pensioner offsets and other deductions require a separate assessment.
For 2026–27, Medicare uses the published 2025–26 single-person threshold of $28,011 pending the next annual update.
Weekly, fortnightly and monthly figures divide the annual estimate by 52, 26 and 12. Payslip withholding can differ.
An approved salary package pays eligible expenses from pre-tax salary. The calculator shows the remaining cash pay and the packaged benefits separately. Enter the cash value confirmed by your employer or packaging provider.
The ATO general FBT exemption caps are $17,000 grossed-up for eligible hospitals and ambulance services, and $30,000 grossed-up for eligible PBIs and health promotion charities. Using the type 2 gross-up rate, common cash-value examples are about $9,010 and $15,900. Your employer determines eligibility and available benefits.
These limits follow the FBT year, 1 April to 31 March. Meal entertainment has a separate cap and needs provider confirmation.
Reportable fringe benefits are included in HELP repayment income. A lower taxable salary can still lead to a higher repayment obligation. Use your provider’s reportable amount when checking HELP and other income tests.
Provider fees, benefit-specific tax treatment and extra super contributions need their own calculation.
Rates and guidance checked 3 November 2026.
Income up to $18,200 is tax-free. The part above $18,200 up to $45,000 is taxed at 15%, then 30% up to $135,000, 37% up to $190,000 and 45% above that. Each rate applies only to income within that bracket. The calculator then applies LITO and the Medicare levy separately.
LITO is up to $700 for eligible incomes up to $37,500. It reduces by 5 cents per dollar to $325 at $45,000, then by 1.5 cents per dollar until it runs out around $66,667. It reduces income tax payable to a minimum of zero.
The single-person low-income threshold used here is $28,011. The levy is zero at or below that income, then phases in at 10 cents per dollar above the threshold until it reaches 2% of taxable income. Family and pensioner rules need additional information.
The first taxable bracket uses 16% for income earned from 1 July 2025 to 30 June 2026. For 2026–27 that rate is 15%. The selected year is used for every result in the calculator.
Use the results as an estimate before student loan repayments. HELP uses repayment income, which can include reportable fringe benefits and reportable super contributions as well as taxable income. Salary packaging can change that assessment.
Continue with another Australian business tool.