Best Tax Calculators for Australian Residents
Calculate Australian income tax and Medicare levy. Tools for individual and business taxation.
Introduction
Australian taxpayers pay income tax assessed by the ATO (Australian Taxation Office), a 2% Medicare Levy, and benefit from compulsory Superannuation contributions from their employer. From 1 July 2025, the Super Guarantee rate increases to 12%, meaning employers must contribute 12% of ordinary time earnings to your super fund. Understanding these layers is key to accurately budgeting your take-home pay.
Key Calculators
- Income Tax Calculator (ATO Rates) — Australian tax-free threshold: $18,200. Then: 19% on $18,201–$45,000; 32.5% on $45,001–$120,000; 37% on $120,001–$180,000; 45% above $180,000 (2025/26 rates): Try it →
- Medicare Levy Calculator — 2% of taxable income for most Australians. Low-income earners get a reduction or exemption. Medicare Levy Surcharge (1–1.5%) applies if you earn over $93,000 without private health insurance: Try it →
- Super Guarantee Calculator — From 1 July 2025: employer must contribute 12% of ordinary time earnings into your super fund. This is on top of your salary (not deducted from it in most cases): Try it →
- PAYG Withholding Calculator — Estimate your weekly, fortnightly, or monthly PAYG withholding to check your employer is withholding the right amount: Try it →
Australian Take-Home Pay (2025/26, Including Medicare Levy)
| Gross Salary (AUD) | Income Tax | Medicare Levy | Net Annual | Net Monthly |
|---|---|---|---|---|
| $60,000 | $11,067 | $1,200 | $47,733 | $3,978 |
| $80,000 | $17,547 | $1,600 | $60,853 | $5,071 |
| $100,000 | $24,097 | $2,000 | $73,903 | $6,159 |
| $120,000 | $31,417 | $2,400 | $86,183 | $7,182 |
Tips for Australian Taxpayers
If you have private health insurance, you avoid the Medicare Levy Surcharge — worth up to $1,395 per year on a $93,000 income. The Low Income Tax Offset (LITO) reduces tax by up to $700 for incomes below $37,500. Make sure your employer's superannuation contributions are appearing in your ATO MyGov account; super theft by non-payment is unfortunately common with some employers. Consider salary sacrificing into super to reduce taxable income — concessional contributions (including employer contributions) are taxed at just 15% inside super, compared to your marginal rate outside it.