Income Tax Calculator — Australia
Estimate Australian income tax for the 2025-26 financial year (1 July 2025 to 30 June 2026), including the 2% Medicare Levy and HELP/HECS student loan repayments.
FY 2025-26
Your earnings
Residency
HELP / HECS student loan
Total tax
$19,588
Take-home
$70,412
Effective rate
21.8%
Marginal 30%
Breakdown
- Gross income$90,000
- Taxable income$90,000
- Income tax (resident)Marginal 30%$17,788
- Medicare Levy (2%)$1,800
- Total tax$19,588
- Take-home pay$70,412
Notes & assumptions (4)
- Brackets reflect the revised Stage 3 tax cuts that took effect 1 July 2024 and continue for FY 2025-26.
- Medicare Levy Surcharge (1–1.5% extra for high-income earners without private hospital cover) is not included.
- Excludes Low Income Tax Offset (LITO) up to $700 — would reduce tax for incomes below $66,667.
- Compulsory super (11.5% in FY 2024-25, 12% from 1 Jul 2025) is paid by the employer on top of salary and is not modelled here.
Official sources for Australia (FY 2025-26)
- ATO — Individual income tax rates ↗
- ATO — Medicare levy thresholds ↗
- ATO — Study and training loan repayment ↗
Calculated for general guidance only. Tax laws change frequently — verify against official sources before filing. This calculator does not constitute tax advice. For complex situations, consult a qualified tax professional in Australia.