Australia pay and tax, 2026–27
Income tax, the Medicare levy, study loan repayments and super — what an Australian salary turns into, and the tools to work out your own.
Rules checked against ATO on 7 October 2026; not independently reviewed.
- Income year
- 1 July 2026 – 30 June 2027
- Tax-free threshold
- $18,200
- Medicare levy
- 2%
- Super guarantee
- 12%
An income year from July to June
Australia’s income year runs from 1 July to 30 June; 2026–27 started on 1 July 2026. Tax returns open in July and, if you lodge yourself, are due by 31 October; registered tax agents can lodge later. Rate changes legislated in the Budget take effect from 1 July, so the first pay in July is when you will notice them.
How Australian pay is taxed
Residents pay nothing on the first $18,200 of taxable income, then 15%, 30%, 37%, 45% across four brackets. The low income tax offset (up to $700) reduces tax for lower earners. The Medicare levy of 2% funds public health care, and people on higher incomes without private hospital cover pay an extra Medicare levy surcharge. Graduates with a HELP or other study loan make compulsory repayments through the tax system. Employers pay superannuation of 12% on top of salary into your fund. Foreign residents and working holiday makers have separate tax tables and no tax-free threshold.
What our calculator covers
The Australian pay calculator covers all three residency tables, the low income tax offset, Medicare levy with its low-income shade-in and family reduction, the surcharge tiers, study loan repayments, salary sacrifice and packages that include super. It shows the tax owed for the income year in weekly, fortnightly, monthly or yearly amounts; the ATO withholding tables are a separate calculation.
Key figures for 2026–27
- Medicare levy surcharge (singles) starts at $105,000 at 1%.
- Study loan repayments start above $69,528 of repayment income.
- Concessional super contributions cap: $32,500.
- Super guarantee maximum contribution base applies above $270,830 a year.
Main source: ATO: Resident tax rates 2026–27: 0–$18,200 nil; $18,201–$45,000 15c; $45,001–$135,000 $4,020 + 30c; $135,001–$190,000 $31,020 + 37c; $190,001+ $51,370 + 45c. All values are on the 2026–27 rates page, with 2025–26 for comparison.
General information only
The calculator doesn’t consider your objectives, financial situation or needs. Deductions, other income, the private health insurance rebate and Division 293 tax are outside it. To see how Australia compares with other countries on the same salary, use the take-home pay hub.