Australian Tax Calculators 2025-26
Free, instant calculators for Australian salary, hourly rate, and superannuation. All figures use the latest ATO 2025-26 tax rates including the Stage 3 tax cuts (16% and 30% brackets) and the 12% superannuation guarantee rate.
Salary After Tax Calculator
Enter your gross salary (annual, monthly, fortnightly, or weekly) and get an instant breakdown of your take-home pay after income tax, Medicare Levy, and the Low Income Tax Offset (LITO). You can also factor in HECS/HELP debt repayments, private health cover (which affects the Medicare Levy Surcharge), and switch between resident and non-resident tax rates.
Salary After Tax Calculator
Australian income tax rates 2025-26
Hourly Rate to Annual Salary Converter
If you are paid by the hour — as a casual employee, contractor, or part-time worker — use this converter to see your equivalent annual, monthly, fortnightly, weekly, and daily income. The standard full-time work week in Australia is 38 hours, but you can enter any number of hours. Knowing your annualised equivalent helps when comparing salaries or understanding your tax obligations.
Hourly Rate to Salary
Convert hourly pay to annual salary
Superannuation Calculator
Your employer must contribute a percentage of your ordinary time earnings into your superannuation fund — this is called the Superannuation Guarantee (SG). For the 2025-26 financial year, the SG rate increased to 12% (up from 11.5% in 2024-25). Super is paid on top of your salary and does not reduce your take-home pay. Use this calculator to see exactly how much super you accumulate each year, month, and week.
Superannuation Calculator
Estimate your employer super contributions
Note: The Superannuation Guarantee rate is 12% for 2025-26. Super is paid on top of your salary by your employer.
2025-26 Australian Tax Rates at a Glance
Disclaimer: This tool provides general information only and does not constitute financial, tax, or legal advice. Calculations are based on ATO 2025–26 rates and are estimates only. Individual circumstances vary. Always consult a registered tax agent or financial adviser for personalised advice. This service is provided by SWIFT ACCOUNTANTS PTY LTD (ABN 35 619 346 637).
How Australian Income Tax Works in 2025-26
Progressive Tax System
Australia uses a progressive marginal tax system, meaning the rate you pay increases as your income rises — but only on the portion of income above each threshold. You never pay a higher rate on all your income, just on the slice that falls in the higher bracket.
For example, if you earn $60,000: you pay 0% on the first $18,200, then 16% on the next $26,800 (from $18,201 to $45,000), and 30% on the remaining $15,000 (from $45,001 to $60,000). Your total income tax would be approximately $8,288 — an effective tax rate of about 13.8%.
The Stage 3 Tax Cuts
From 1 July 2024, the Australian Government implemented the Stage 3 tax cuts. The most significant changes were reducing the 19% bracket to 16%(for income from $18,201 to $45,000) and the 32.5% bracket to 30%(for income from $45,001 to $135,000). These same rates apply for 2025-26. Most Australian workers saw a meaningful increase in their take-home pay as a result.
Medicare Levy
In addition to income tax, most Australian residents pay a 2% Medicare Levy on their taxable income. This levy helps fund Australia's public health system (Medicare). If your income is below the low-income threshold (approximately $27,222 for 2025-26), you are exempt from the Medicare Levy. The levy phases in gradually between the threshold and $34,027.
If you do not have private hospital cover and earn above $93,000 (single) or $186,000 (family), you may also be liable for the Medicare Levy Surcharge (MLS) — an additional 1% to 1.5% on top of the standard Medicare Levy.
Low Income Tax Offset (LITO)
The LITO is a non-refundable tax offset that reduces the income tax payable by low and middle-income earners. For 2025-26, the maximum LITO is $700 for taxable incomes up to $37,500. It then reduces at a rate of 5 cents per dollar up to $45,000, and a further 1.5 cents per dollar until it phases out completely at $66,667. The LITO is applied automatically — you do not need to claim it separately.
HECS/HELP Repayments
If you have a HECS-HELP student debt, you are required to make compulsory repayments once your repayment income exceeds $67,000 (for 2025-26). Repayments are calculated as a percentage of your income, ranging from approximately 1% at lower incomes up to 10% at higher incomes. These repayments come directly from your salary via the withholding system, similar to income tax. Our salary calculator includes a HECS/HELP toggle to account for this.
Converting Between Pay Periods
Australian employees are typically paid weekly, fortnightly, or monthly. To convert between pay periods:
- Annual to monthly: divide by 12
- Annual to fortnightly: divide by 26 (there are 26 fortnights in a year)
- Annual to weekly: divide by 52
- Hourly to annual: multiply by hours per week, then by 52 (standard is 38 hours)
Our salary calculator performs all these conversions automatically and shows your net take-home pay for every pay period.
Superannuation and Your Total Package
When comparing job offers, it is important to distinguish between salary exclusive of super(base salary) and salary inclusive of super (total package). At the 12% SG rate, a $90,000 base salary means your employer contributes an additional $10,800 to your super fund — your total package is $100,800. Always confirm which basis a salary offer is made on.
Super contributions made by your employer are taxed at 15% (the concessional tax rate) inside the fund, which is generally lower than your marginal income tax rate. This is why maximising super contributions is a common tax-effective strategy for Australians.