Free Australian pay, tax and property calculators

How we calculate

Our pay calculators work out your full-year tax on your salary and spread it evenly across your pays. PAYG withholding aims to collect that same yearly amount, so the result is a close estimate of your take-home pay. A single payslip can differ by a few dollars because employers use the ATO's Schedule 1 withholding formulas, which round each pay.

Income tax (2026-27)

  • Resident rates: nil to $18,200; 15% to $45,000; 30% to $135,000; 37% to $190,000; 45% above. The 15% rate replaced 16% from 1 July 2026.
  • Low income tax offset: $700 up to $37,500, reducing by 5c per dollar to $45,000, then by 1.5c per dollar until it reaches nil at $66,667.
  • Foreign residents: 30% to $135,000, 37% to $190,000, 45% above, with no tax-free threshold, offset or Medicare levy. The ATO had published this table up to 2025-26 when we last checked; it is unchanged by the 2026-27 cut, which applies to residents.
  • Working holiday makers: 15% to $45,000, then 30%, 37% and 45% (Schedule 15).

Medicare levy and surcharge

  • Medicare levy: 2% of taxable income. Single people pay nothing up to $28,011; above that the levy is 10 cents per dollar over the threshold until it reaches the full 2% at $35,013. These are the 2025-26 thresholds: the ATO had not published 2026-27 low-income thresholds on 2026-11-12. We will update them when it does.
  • Family, senior and pensioner low-income thresholds are not yet modelled; the pay calculators treat everyone as a single person. The Medicare levy calculator applies family surcharge thresholds.
  • Medicare levy surcharge (single, no private hospital cover): 1% over $105,000, 1.25% over $123,000, 1.5% over $164,000, on income including salary-sacrificed super.

HELP / HECS

2026-27 uses the marginal repayment system: nil to $69,528; 15c per dollar over $69,528 to $129,717; $9,028 plus 17c per dollar over $129,717 to $186,050; then 10% of total repayment income. Repayment income includes salary-sacrificed super.

Super

  • Super guarantee 12% on salary up to the maximum contribution base of $270,830 a year.
  • When you choose "package including super", we split the package into salary and 12% super.
  • Salary sacrifice reduces taxable income. We do not check it against the $32,500 concessional cap.

Stamp duty

Each state's general and owner-occupier rate schedules, first home buyer concessions and foreign purchaser surcharges were read on the state revenue office's own pages (and, for Victoria's first home taper, the Duties Act 2000 s 57JA). The Northern Territory does not publish a rate table, so we matched its official calculator at values from $100,000 to $10 million.

Where a state does not publish the formula for a partial concession (NSW first home buyers from $800,000 to $1,000,000, Queensland first home buyers from $700,000 to $800,000), we show the duty before the concession and link to the official calculator rather than guess.

Other calculators

  • Tax return: the same 2026-27 resident rates, offsets and levies as the pay calculator, applied to salary plus other income less deductions, compared with the tax withheld.
  • Redundancy: the National Employment Standards pay scale (Fair Work Ombudsman) and the ATO's 2026-27 tax-free limit ($13,598 plus $6,801 per completed year), ETP cap ($270,000) and rates (32% under preservation age, 17% at or over it, 47% above the cap), from Schedule 11.
  • Capital gains tax: the 50% discount for residents holding an asset 12 months or more (ATO), for CGT events in 2026-27. From 1 July 2027 the discount is replaced by indexation and a 30% minimum tax for gains accruing from that date (ATO, Capital gains tax reform).
  • Negative gearing: the rental loss is deducted from salary at 2026-27 rates. From 1 July 2027 losses on established homes bought after 7:30pm AEST 12 May 2026 can only offset residential property income (ATO, Tax reform).
  • Annual leave: 4 weeks of ordinary hours a year, accrued progressively (NES). Leave loading is set by awards and agreements, so you enter your own rate.
  • NSW car stamp duty: Revenue NSW motor vehicle duty rates, matched against its calculator at five values.
  • Novated lease: the car price less the GST credit (capped at 1/11 of the $69,883 car limit) is financed with payments in advance and the ATO minimum residual for the term (TD 93/142). Running costs are paid without GST. Petrol and plug-in hybrid cars use the employee contribution method (20% statutory value from after-tax pay, so no FBT); eligible EVs under the luxury car tax threshold ($91,661) are FBT exempt. The saving compares the take-home pay cost with paying the same costs from after-tax pay. The announced EV change from 1 April 2027 is not modelled until it is law.
  • Long service leave: each state and territory's Act for ordinary private-sector employees: when leave can be taken, accrual rates, and which reasons for leaving qualify for pro-rata leave. Awards, agreements and portable schemes can differ.
  • Family Tax Benefit, Child Care Subsidy and Age Pension: rates and income tests from Services Australia's guide to Australian Government payments (20 September 2026). Our FTB Part A formula reproduces every published income limit; the CCS percentage matches Services Australia's worked examples ($254,305 gives 56.84%). Estimates only; Services Australia makes the assessment.
  • Work from home and car expenses: the ATO fixed rate (70c an hour, the latest published rate) and cents per kilometre rate (91c for 2026-27, up to 5,000 km). Sick leave uses the NES rule of 1/26 of ordinary hours.
  • Stamp duty on a set price: the same state schedules as the stamp duty calculator, applied at 25 prices in each state.
  • HECS, salary sacrifice, super, compound interest and rental yield use the figures above and standard formulas shown on each page; their assumptions (indexation, returns, growth) are inputs you can change.

What we leave out

  • Other tax offsets (such as the senior and pensioner offset), deductions and income other than salary.
  • Reportable fringe benefits and investment losses in the Medicare levy surcharge and HELP income tests.
  • Stamp duty concessions for pensioners, off-the-plan purchases, farmland and other special cases.

Updates

We review all figures each financial year (1 July), after state budgets (May to June), and whenever the law changes. Figures were last reviewed on 2026-11-12.

These calculators give estimates for information only. They are not tax, legal or financial advice. For decisions that matter, check with the ATO, your state revenue office, or a registered tax agent.