ATO Income Tax Calculator (Australia)
Use this quick calculator to estimate your personal income tax, Medicare levy, and take-home pay based on current Australian individual tax brackets.
How this australian tax office income tax calculator helps
If you are planning your budget, checking a job offer, or preparing for tax time, an income tax estimate gives you a realistic view of what you keep after tax. This calculator is designed for quick planning and education using standard Australian tax bracket logic.
- Estimate income tax based on your annual taxable income.
- Add a simple estimate of the Medicare levy.
- See annual and pay-cycle based take-home estimates (monthly, fortnightly, weekly).
Australian resident income tax rates (2025–26 style brackets)
For Australian residents, a tax-free threshold applies, and tax increases progressively as income rises.
| Taxable Income | Tax on This Income |
|---|---|
| $0 – $18,200 | Nil |
| $18,201 – $45,000 | 16% of amount over $18,200 |
| $45,001 – $135,000 | $4,288 + 30% of amount over $45,000 |
| $135,001 – $190,000 | $31,288 + 37% of amount over $135,000 |
| $190,001 and over | $51,638 + 45% of amount over $190,000 |
Non-resident tax rates (simplified)
Non-residents generally do not receive the tax-free threshold. This calculator applies a common simplified structure:
| Taxable Income | Tax on This Income |
|---|---|
| $0 – $135,000 | 30% of taxable income |
| $135,001 – $190,000 | $40,500 + 37% of amount over $135,000 |
| $190,001 and over | $60,850 + 45% of amount over $190,000 |
What to include in taxable income
Usually included
- Salary and wages (including bonuses and some allowances)
- Interest income and some investment earnings
- Net rental income
- Certain government payments and foreign income
Common deductions that may reduce taxable income
- Work-related expenses (where substantiated and eligible)
- Tax agent fees
- Charitable donations to deductible gift recipients
- Income protection insurance (outside super, if eligible)
Worked examples
Example 1: Resident with $85,000 taxable income
Tax = $4,288 + 30% of ($85,000 − $45,000) = $16,288. If Medicare levy is included at 2%, add $1,700. Total estimated tax = $17,988, leaving approximately $67,012 net annually (before any offsets or HELP repayments).
Example 2: Resident with $150,000 taxable income
Tax = $31,288 + 37% of ($150,000 − $135,000) = $36,838. Medicare levy at 2% adds $3,000. Total estimated tax = $39,838, with net income around $110,162 annually.
Important planning notes
- This tool gives an estimate, not an official ATO assessment.
- Actual tax can change due to offsets, deductions, levy reductions, HELP/HECS debt, and private health loading.
- If your situation is complex (multiple jobs, investments, business income), use this as a guide and verify through official channels.