Australia Pay Calculator
Instantly calculate your net income after Australian income tax, Medicare levy, HELP/HECS student loan repayment, and Medicare Levy Surcharge (MLS). Updated for the 2026–27 financial year including the new 15% tax bracket.
Australia Pay Calculator
Calculate income tax, Medicare levy, Medicare levy surcharge (optional) and HELP repayment (optional).
| Income tax | $17,520.00 |
| Medicare levy | $1,800.00 |
| Medicare levy surcharge (MLS) | $0.00 |
| HELP repayment | $0.00 |
| Total | $19,320.00 |
How Your Pay Is Calculated
This calculator estimates your net pay for Australian resident taxpayers. It accounts for the following deductions from your gross income:
- Income tax — calculated using the ATO marginal tax rates for the selected financial year.
- Medicare levy — 2% of your taxable income, with low-income exemptions and phase-in rules.
- Medicare Levy Surcharge (MLS) — an additional levy if you do not have appropriate private hospital cover and earn above the threshold (optional toggle).
- HELP/HECS repayment — compulsory repayment calculated on your repayment income using marginal rates (optional toggle).
2026–27 Tax Rates (Resident)
From 1 July 2026, the second marginal tax bracket rate has been reduced from 16% to 15% as part of the legislated tax cuts. The rates below do not include the 2% Medicare levy.
| Taxable income | Tax on this income |
|---|---|
| $0 – $18,200 | Nil |
| $18,201 – $45,000 | 15c for each $1 over $18,200 |
| $45,001 – $135,000 | $4,288 + 30c for each $1 over $45,000 |
| $135,001 – $190,000 | $31,288 + 37c for each $1 over $135,000 |
| $190,001+ | $51,638 + 45c for each $1 over $190,000 |
Medicare Levy — Low-Income Thresholds (2026–27)
The Medicare levy is 2% of your taxable income. If your income is below the low-income threshold, you may pay a reduced rate or no levy:
- Single threshold: $28,011
- Family threshold: $47,238 (plus $4,338 per dependent child after the first)
- A phase-in (shade-in) rate of 10% applies between the threshold and the cut-out point.
2026–27 HELP/HECS Repayment Thresholds (Marginal)
From 2025–26 onwards, HELP compulsory repayments are calculated using marginal rates— you only pay on income above each threshold:
| Repayment income | Repayment |
|---|---|
| $0 – $69,528 | Nil |
| $69,529 – $129,717 | 15c for each $1 over $69,528 |
| $129,718 – $186,050 | $9,028 + 17c for each $1 over $129,717 |
| $186,051+ | 10% of total repayment income |
2026–27 Medicare Levy Surcharge Thresholds
If you do not have appropriate private hospital cover and your income exceeds the base threshold, you may need to pay the MLS at the following rates:
| Tier / Rate | Single | Family |
|---|---|---|
| Base (0%) | $105,000 or less | $210,000 or less |
| Tier 1 (1%) | $105,001 – $123,000 | $210,001 – $246,000 |
| Tier 2 (1.25%) | $123,001 – $164,000 | $246,001 – $328,000 |
| Tier 3 (1.5%) | $164,001+ | $328,001+ |
Frequently Asked Questions
What is the difference between gross income and taxable income?
Gross income is your total income before any deductions. Taxable income is your gross income minus allowable deductions (such as work-related expenses, charitable donations, etc.). This calculator assumes your gross income equals your taxable income for simplicity.
How do the 2026–27 tax cuts affect me?
From 1 July 2026, the 16% tax rate on income between $18,201 and $45,000 has been reduced to 15%. This saves you up to $268 per year. A further reduction to 14% is legislated for 1 July 2027.
What income counts toward HELP/HECS repayment?
Repayment income is your taxable income plus reportable fringe benefits, total net investment losses, reportable super contributions, and exempt foreign employment income. This calculator uses your taxable income as the repayment income base.
Do I need to pay the Medicare Levy Surcharge?
You may need to pay the MLS if you do not have appropriate private hospital cover and your income for MLS purposes exceeds $105,000 (single) or $210,000 (family) in 2026–27. Toggle the MLS option in the calculator to see the impact.
Can I use this for past or future years?
This calculator supports 2025–26, 2026–27 (current year), and 2027–28 (preview / legislated rates). The 2027–28 year includes the further rate reduction to 14%.