Calculate ATO income tax with official rates, Medicare levy, and HECS/HELP repayments
Enter your income for accurate 2025-26 Australian tax calculations
The Stage 3 tax cuts reduced the 32.5% rate to 30% and extended thresholds. Here are the current brackets.
If you have a HECS-HELP, FEE-HELP, or other study loan, compulsory repayments apply once your income exceeds the threshold.
The Medicare levy funds Australia's public healthcare system. Low-income earners may qualify for exemptions.
See how Australian income tax, Medicare levy, and HECS apply to different income levels
Australia has 4 progressive tax brackets for 2025-26 following the Stage 3 tax cuts: 0% on income up to $18,200 (tax-free threshold), 16% from $18,201 to $45,000, 30% from $45,001 to $135,000, 37% from $135,001 to $190,000, and 45% on income above $190,000. The previous 32.5% bracket has been reduced to 30% with an extended threshold.
The Medicare Levy is 2% of your taxable income and funds Australia's public healthcare system. Low-income earners (below approximately $26,000) may qualify for a reduction or exemption. If you earn above $93,000 (single) or $186,000 (family) and don't have private hospital cover, you may also pay the Medicare Levy Surcharge of 1-1.5%.
If you have a HECS-HELP study loan, compulsory repayments begin once your income exceeds $54,435 (2025-26). The repayment rate starts at 1% and increases with income up to 10% at $151,201+. For example, at $80,000 income, you'd repay 4% ($3,200/year). The debt is indexed to CPI annually, not traditional interest. Voluntary repayments can be made anytime.
Superannuation (super) is Australia's compulsory retirement savings system. Employers must contribute 11.5% of your ordinary earnings into your super fund (increasing to 12% from July 2025). This is on top of your salary. Super contributions are taxed at 15% within the fund, and you generally can't access it until preservation age (currently 60 for most people).
The Australian tax year runs from July 1 to June 30. Tax returns for the 2025-26 financial year are due by October 31, 2026 if you're self-lodging through myGov. If you use a registered tax agent and register with them by October 31, you may get an extended deadline up to May 15, 2027, depending on your circumstances.
Yes, working holiday makers (subclass 417 and 462 visa holders) have special tax rates regardless of residency status. They pay 15% on the first $45,000 of income, then 30% from $45,001 to $135,000, and standard rates above that. This applies to income from an employer registered with the ATO as a working holiday maker employer.
To calculate Australian income tax: 1) Apply the progressive tax rates (0%-45%) based on your taxable income. 2) Add Medicare Levy (2% of taxable income). 3) If applicable, add HECS-HELP repayment (1%-10% based on income). Note that employer super (11.5%) is additional to your salary, not deducted from it. Use our ATO tax calculator above for instant calculations.
See how Australia's tax system compares to other destinations
Data Source: ATO (Australian Taxation Office)
Verified for 2025-26 Financial Year | ATO rates | Last updated: January 2026
This calculator provides estimates based on official ATO rates and 2025-26 tax brackets. For personalized tax advice regarding deductions, offsets, or complex situations, consult a registered Australian tax agent.