Income Tax Calculator
2025–26 Tax Brackets
| Taxable Income | Rate |
|---|---|
| $0 – $18,200 | Nil |
| $18,201 – $45,000 | 16c per $1 over $18,200 |
| $45,001 – $135,000 | 30c per $1 over $45,000 |
| $135,001 – $190,000 | 37c per $1 over $135,000 |
| $190,001+ | 45c per $1 over $190,000 |
This calculator includes income tax, Medicare levy (2%), and the Low Income Tax Offset (LITO). Toggle HELP/HECS to see the impact of study debt repayments.
From 1 July 2026: The 16% rate drops to 15%, and a new $1,000 standard deduction for work expenses is introduced. See all July 1 changes →
Frequently Asked Questions
How is income tax calculated?
Australia uses progressive tax brackets. You pay increasing rates on each portion of income above each threshold. The first $18,200 is tax-free, then 16% up to $45,000, 30% up to $135,000, and so on.
What's the effective tax rate?
Your effective rate is your total tax divided by your total income. It's always lower than your marginal rate because lower brackets are taxed at lower rates.
Does this include super?
No. Super is paid by your employer on top of your salary. This calculator shows tax on your taxable income only.