Useful next calculations
Rates and sources, 2025–26 and 2026–27
ATO resident income-tax bands for 2025–26 and 2026–27, LITO and the Medicare levy shade-in for an illustrative refund/owe estimate. Choose the income year of the return.
Source: ATO — tax rates for Australian residents. Source checked for 2025–26 and 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 worked example
These are the example figures the calculator opens with.
| Input | Value |
|---|---|
| Income Year of the Return | 2025–26 (1 July 2025 to 30 June 2026) |
| Gross Income (A$) | A$80,000 |
| Tax Already Withheld (A$) | A$18,000 |
| Work-Related Expenses (A$) | A$500 |
For those figures the calculator returns:
- Refund / (amount owed): A$1,762.00
- Income tax: A$14,638.00
- Medicare levy: A$1,600.00
- Low income offset: A$0.00
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.
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.
Questions people ask
Your refund is the difference between the tax your employer withheld during the year (PAYG) and your actual tax liability calculated at year end. If more was withheld than owed — common when allowable deductions reduce taxable income — you receive a refund. If less was withheld, you owe the balance to the ATO.