Calculate income tax and take-home pay for Australia, UK or US.
Whether you're starting a new job and trying to work out what you'll actually take home, or you're a freelancer working out what to set aside for the ATO each quarter, having a reliable income tax estimate is genuinely useful.
This calculator applies the current Australian resident tax brackets, the Low Income Tax Offset, and the Medicare Levy to give you a realistic picture of your tax and take-home pay across any pay period. It's not a substitute for professional advice, but it gives you a solid working number.
One thing worth understanding: the rate you see on your payslip or in the news isn't necessarily what you actually pay on your whole income. Australia uses a progressive system where different portions of your income are taxed at different rates. Your effective rate — total tax divided by total income — is almost always lower than your marginal rate.
Your marginal rate is the rate applied to the last dollar you earn. Your effective rate is your total tax as a percentage of your total income. Because the first $18,200 is tax-free and lower income portions are taxed at lower rates, your effective rate is always lower than your marginal rate.
This calculator shows tax and Medicare Levy only. Your payslip may also deduct superannuation contributions, salary packaging arrangements, private health premiums, union fees, or novated lease payments — none of which are income tax.
No. HECS repayments are income-contingent and depend on your specific debt and income. Use the HECS/HELP calculator on this site to estimate those separately.
Australian residents can earn up to $18,200 per year before paying any income tax. If you're working multiple jobs, you should only claim the threshold with one employer — otherwise you'll likely end up with a tax debt at year end.
The rates in this calculator reflect the current Australian resident tax scales including legislated offsets. For professional tax advice specific to your situation, consult a registered tax agent or the ATO website.