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See what you actually pay in tax

Enter your income to estimate your income tax, Medicare levy and any study loan repayment. You'll see your take-home pay, your marginal rate, and the number most people never check: your effective tax rate.

Your income

Results update as you type.

After salary sacrifice, before tax
$
Interest, dividends, net rent, business income, less deductions
$

Assumes you're an Australian resident for tax purposes for the full year and single for Medicare levy purposes.

Your estimate

Enter an income to see your result.

Want your effective rate lower?

Salary packaging, super contributions, investment structure and deductions can all move this number. We'll look at your actual situation and tell you what's worth doing.

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Assumptions
  • Rates are for Australian residents for tax purposes for the full income year. Non-resident and working holiday maker rates are not included.
  • The marginal rate shown is the statutory income tax rate on your next dollar and excludes the Medicare levy. In offset phase-out and Medicare shade-in ranges, the real rate on an extra dollar can be higher.
  • The low income tax offset (LITO) is included for every year. The low and middle income tax offset (LMITO) is included for 2020-21 and 2021-22, the final years it applied. Offsets are non-refundable and can only reduce income tax to $0.
  • The Medicare levy is 2% of taxable income, reduced for low-income earners using the single thresholds for each year. Family thresholds, exemptions, the seniors and pensioners tax offset (SAPTO) and the Medicare levy surcharge are not included.
  • 2026-27 Medicare levy low-income thresholds use the 2025-26 figures until the 2026-27 amounts are confirmed.
  • Study loan repayments use the ATO repayment thresholds for each year. From 2025-26, repayments are calculated on a marginal basis; for 2024-25 and earlier, a single rate applies to your whole repayment income. Repayment income is taxable income plus the optional amounts you enter.
  • Other tax offsets, rebates, and deductions not already reflected in your inputs are not included.
Disclaimer

This calculator provides general information and estimates only. It does not consider your personal circumstances and is not tax or financial advice. Your actual tax is determined by the ATO when you lodge your return. Rates and thresholds sourced from the Australian Taxation Office. For advice on your situation, contact POP Business.

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