Continue your plan
Useful next calculations
Rates & sources2026–27
Australian resident income tax for 2026–27, including the 15% rate to $45,000 after Stage 3, LITO, Medicare levy and optional MLS.
| Band / figure | Rate |
|---|---|
| Tax-free threshold | $18,200 |
| 15% band | $18,201 – $45,000 |
| Tax at $45,000 before LITO | $4,020 |
| Medicare levy | 2% |
Source: ATO — individual income tax rates — source checked for 2026–27.
When to use this calculator
- Before accepting a pay change, bonus or contribution arrangement.
- When you want a simple take-home or conversion estimate before payroll or filing.
- When you need to convert between hourly, monthly and annual pay.
- When you want to compare two pay scenarios using the same assumptions.
A realistic Australia planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
| Input | Value |
|---|---|
| Annual Taxable Income (A$) | A$80,000 |
| Residency Status | Australian Resident |
| Private Hospital Cover? | Yes — no MLS |
After entering these figures, review income tax, medicare levy and medicare levy surcharge together rather than in isolation. Then rerun the tool with one input adjusted.
How to read your results
Income Tax
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Medicare Levy
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Medicare Levy Surcharge
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Total Tax
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Effective Rate
The effective rate lets you compare options on a like-for-like basis rather than being misled by different compounding periods or fee structures.
Take-Home
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Monthly
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Common mistakes
- !Using an assumption that is not supported by a current local quote, bill, statement or official source.
- !Treating a generic estimate as a lender, provider, payroll or tax authority decision.
- !Mixing monthly and annual inputs without converting them consistently.
- !Testing only one scenario instead of checking how a cautious assumption changes the result.
What to do next
- Run a second scenario with a cautious assumption so you can see the downside clearly.
- Compare the result with the related calculators below before making a decision.
- Check current local rules, eligibility and provider terms before applying or committing money.
- Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.