This Australia take-home pay calculator estimates what an Australian resident keeps from taxable income in the 2026–27 income year, 1 July 2026 to 30 June 2027. It applies the resident rates published by the Australian Taxation Office, then the low income tax offset, then the Medicare levy. The headline divides the annual result by 12. A weekly figure is shown as well. The sample income is $80,000.
The amount you type is treated as taxable income for a resident who is entitled to the full tax-free threshold, for the whole year, with no spouse and no dependants. Employer superannuation is not subtracted. The compulsory superannuation guarantee is an employer payment on top of ordinary time earnings, not a deduction from this take-home figure. Study-loan repayments and the Medicare levy surcharge are not included.
How to use this calculator
- Enter annual taxable income in Australian dollars. Use 80000 for $80,000. If you want a deduction reflected, subtract it before you type the income.
- Use resident taxable income, not a foreign-resident figure and not a working-holiday-maker figure.
- Press Calculate. The headline is annual take-home divided by 12.
- Read income tax before the offset, the offset actually used, income tax after the offset, the Medicare levy, and the annual and weekly take-home figures.
How 2026–27 resident tax and the Medicare levy are worked out
The ATO resident rates for 2026–27, for someone entitled to the full tax-free threshold, are: nil on taxable income up to $18,200, then 15 cents for each dollar over $18,200 up to $45,000, then $4,020 plus 30 cents for each dollar over $45,000 up to $135,000, then $31,020 plus 37 cents for each dollar over $135,000 up to $190,000, then $51,370 plus 45 cents for each dollar over $190,000. Those rates do not include the Medicare levy. Tax on $45,000 is 15% of $26,800, which is exactly $4,020, so the published dollar amount and the bracket arithmetic agree.
The low income tax offset is the schedule on the ATO’s offset page: $700 at taxable income of $37,500 or less, then $700 minus 5 cents for each dollar above $37,500 until $45,000, then $325 minus 1.5 cents for each dollar above $45,000 until it runs out at $66,667. It is non-refundable. This calculator will not reduce income tax below zero, so the offset line is the amount actually used. At $20,000, tax before the offset is $270 and the offset used is $270, not the full $700. The unused $430 is not paid out. The offset does not reduce the Medicare levy.
The Medicare levy is 2% of taxable income once the single low-income shade-in is finished. The ATO’s Schedule 1 statement of formulas for withholding, in the edition that carries the 2026–27 rate scale, says no levy is payable at a taxable income of $28,011 or less, the levy shades in at 10% of the excess over $28,011 when income is under $35,013, and the levy is 2% at $35,013 or more. This page uses those parameters for a single resident who is not claiming the seniors and pensioners tax offset. At $29,000 the shade-in is 10% of $989, which is $98.90, the same figure the ATO uses in its reduction example. Family thresholds, exemptions, and half exemptions are not applied.
Formula
Income year 1 July 2026 to 30 June 2027. Australian resident, full tax-free threshold. Income tax = 0 on the first $18,200 + 15% from $18,200 to $45,000 + 30% from $45,000 to $135,000 + 37% from $135,000 to $190,000 + 45% above $190,000 Low income tax offset = $700 up to $37,500 then $700 − 5 cents per dollar above $37,500, until $45,000 then $325 − 1.5 cents per dollar above $45,000, until $66,667 Offset used = the smaller of that amount and the income tax Medicare levy = $0 at or below $28,011 10% of the excess over $28,011 below $35,013 2% of taxable income at $35,013 or more Annual take-home = taxable income − (income tax − offset used) − Medicare levy Monthly = annual take-home / 12 Weekly = annual take-home / 52
At $80,000, income tax is $4,020 plus 30% of $35,000, which is $14,520.00. The low income tax offset is zero because $80,000 is above $66,667. The Medicare levy is 2% of $80,000, which is $1,600.00. Take-home is $63,880.00.
At $30,000, income tax is 15% of $11,800, which is $1,770. The full $700 offset applies, so tax after the offset is $1,070. The Medicare levy is 10% of $30,000 − $28,011, which is $198.90. Take-home is $28,731.10. The offset did not reduce that levy.
Worked 2026–27 Australian take-home examples
$80,000 taxable income
Income tax before the offset is $14,520.00. The offset is $0.00, so tax after the offset stays $14,520.00. The Medicare levy is $1,600.00. Annual take-home is $63,880.00. The monthly headline is $5,323.33. The weekly figure is $1,228.46. Twelve times $5,323.33 is $63,879.96, four cents under the annual figure, because the month was rounded on its own.
Employer superannuation is not in the $16,120 of tax and levy. If the employer pays the 12% superannuation guarantee on top of this income, that payment does not reduce the $63,880.00. If you salary-sacrifice into super, enter the lower taxable income instead of expecting this form to remove the sacrifice.
$55,000, where the low income tax offset is still tapering
Income tax before the offset is $4,020 plus 30% of $10,000, which is $7,020.00. The offset is $325 minus 1.5 cents for each of the 10,000 dollars over $45,000, which is $325 − $150 = $175.00. Tax after the offset is $6,845.00. The Medicare levy is the full 2%, $1,100.00, because $55,000 is above $35,013.
Annual take-home is $47,055.00. The headline is $3,921.25 / month and the weekly figure is $904.90. The 1.5-cent taper means an extra dollar in this band costs the 30% bracket rate plus 1.5 cents of lost offset, before the 2% levy. This example is already past the Medicare shade-in, so the levy on the extra dollar is the full 2 cents.
$20,000 and $140,000
At $20,000, tax before the offset is 15% of $1,800, which is $270.00. The offset used is $270.00, because the offset cannot create a refund of the unused part of the $700. The Medicare levy is $0.00 because $20,000 is below $28,011. Annual take-home is the full $20,000.00, and the monthly headline is $1,666.67.
At $140,000, tax is $31,020 plus 37% of $5,000, which is $32,870.00. The offset is $0.00. The Medicare levy is $2,800.00. Annual take-home is $104,330.00, or $8,694.17 a month. The 45% band has not started. It starts on taxable income over $190,000, where the ATO’s published tax on the first $190,000 is $51,370 before the levy.
2026–27 resident take-home at the published thresholds
| Taxable income | Income tax | Offset used | Medicare levy | Annual take-home | Monthly |
|---|---|---|---|---|---|
| $18,200 | $0.00 | $0.00 | $0.00 | $18,200.00 | $1,516.67 |
| $30,000 | $1,770.00 | $700.00 | $198.90 | $28,731.10 | $2,394.26 |
| $45,000 | $4,020.00 | $325.00 | $900.00 | $40,405.00 | $3,367.08 |
| $80,000 | $14,520.00 | $0.00 | $1,600.00 | $63,880.00 | $5,323.33 |
| $135,000 | $31,020.00 | $0.00 | $2,700.00 | $101,280.00 | $8,440.00 |
| $190,000 | $51,370.00 | $0.00 | $3,800.00 | $134,830.00 | $11,235.83 |
What this Australian estimate leaves out
The Medicare levy surcharge is separate from the levy. For 2026–27 the ATO’s single thresholds start at $105,000 of income for surcharge purposes, with rates of 1%, 1.25%, and 1.5% when private patient hospital cover is not held. Income for surcharge purposes can include reportable fringe benefits and reportable super contributions, which this salary field does not collect. The surcharge is not added.
HELP, VSL, and other study and training support loans are repaid through a separate rate on repayment income. Those rates are indexed and are not in this take-home figure. Foreign residents, working holiday makers, and people who are residents for only part of the year use different tax calculations. The seniors and pensioners tax offset, and the higher Medicare thresholds that go with it, are not applied. A family Medicare reduction is not applied either.
A work-related expense deduction is not subtracted automatically. Enter income after the deduction you intend to claim. Employer superannuation, including the superannuation guarantee, is not taken off take-home. Salary-sacrifice super should be removed from the income you type, because it changes taxable income before this formula starts. The Medicare levy result is for a single person using the Schedule 1 parameters of $28,011 and $35,013. If a later ATO assessment threshold for 2026–27 differs from the withholding parameters, trust the assessment notice for the levy.
Frequently asked questions
Do the 2026–27 Australian rates include the Medicare levy?
No. The ATO’s resident rate table says the rates do not include the Medicare levy of 2%. This calculator adds the levy after income tax and the low income tax offset. At $80,000 the levy is $1,600.00 on top of $14,520.00 of income tax.
Why is the low income tax offset $270 at $20,000 rather than $700?
The maximum offset is $700, but it can only reduce income tax to zero. Tax on $20,000 is $270, so $270 of the offset is used and the rest is not refunded. At $18,200, tax is $0, so the offset used is $0 as well.
Is superannuation deducted from this Australian take-home pay?
No. Take-home here is taxable income minus income tax, after the low income tax offset, minus the Medicare levy. The superannuation guarantee is paid by the employer and is not modeled as a deduction. A salary sacrifice should be removed from the income you enter.
Who gets the reduced Medicare levy in this calculator?
A single resident at or below $28,011 pays none. Between that amount and $35,013 the levy is 10% of the excess. At $30,000 that is $198.90. At $35,013 or more the levy is 2% of taxable income. Family reductions, exemptions, and the seniors and pensioners thresholds are not calculated.
Does this include the Medicare levy surcharge or a HELP repayment?
No. Both depend on tests this form does not ask. The surcharge for 2026–27 can apply from $105,000 of income for surcharge purposes for a single person without the right hospital cover. Study-loan repayments use repayment income, not this take-home formula. Subtract those yourself if you already know the amounts.
Related ClearCalc pages
- Ontario take-home pay calculator for 2026 Canadian dollars, CPP, EI, and Ontario tax. Not comparable one-for-one with an Australian salary.
- Scotland take-home pay calculator for 2026/27 Pounds, Scottish income tax, and UK National Insurance.
- Hourly to salary calculator Convert an hourly rate into the annual figure this page treats as taxable income.