Australia calculators — 2026–27Australian Tax & Financial Calculators
Calculate income tax, take-home pay, super, HELP repayments, capital gains, GST and property taxes using current Australian rules.
Includes estimated resident income tax and Medicare. Advanced circumstances are available in the full calculator.
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Income Tax Calculator
Estimate Australian resident, foreign-resident or working-holiday income tax, LITO, Medicare and optional HELP.
Take Home Pay Calculator
See annual, monthly, fortnightly and weekly take-home pay after income tax, Medicare, MLS and HELP.
HELP / HECS Repayment Calculator
Estimate compulsory 2026–27 HELP and study-loan repayments using the new marginal method.
Superannuation Calculator
Estimate 12% employer super, contributions per pay and concessional-cap headroom.
Capital Gains Tax Calculator
Estimate a taxable capital gain after costs, losses and the eligible 50% individual discount.
GST Calculator
Add or reverse Australia’s 10% GST and check the general registration turnover threshold.
All Australia tools
Tax
Income tax, Medicare, HELP, PAYG and deductions.
Income Tax Calculator
Estimate Australian resident, foreign-resident or working-holiday income tax, LITO, Medicare and optional HELP.
PAYG Tax Calculator
Estimate annual tax liability and average pay-period amounts without presenting annual tax divided by 52 as exact payroll withholding.
Medicare Levy Calculator
Estimate the standard 2% Medicare levy and the low-income phase-in for individuals or families.
Medicare Levy Surcharge Calculator
Estimate the 2026–27 MLS tier for singles or families without approved private hospital cover.
HELP / HECS Repayment Calculator
Estimate compulsory 2026–27 HELP and study-loan repayments using the new marginal method.
Tax Refund Estimator
Compare PAYG withheld and refundable credits with estimated annual liability.
Car Expense Calculator
Estimate the 2026–27 cents-per-kilometre deduction, subject to the statutory kilometre limit.
Work From Home Calculator
Estimate a fixed-rate work-from-home deduction plus separately eligible costs.
Working Holiday Tax Calculator
Estimate tax under the dedicated working holiday maker bands rather than ordinary resident defaults.
Salary
Take-home pay, salary packages, bonus and overtime.
Take Home Pay Calculator
See annual, monthly, fortnightly and weekly take-home pay after income tax, Medicare, MLS and HELP.
Salary Package Calculator
Separate base salary and employer super when a package is quoted inclusive or exclusive of super.
Hourly to Salary Calculator
Convert an hourly rate to annual salary and estimated take-home pay using 38 hours and 52 weeks by default.
Salary to Hourly Calculator
Convert annual salary to monthly, fortnightly, weekly and hourly equivalents with take-home estimates.
Bonus Tax Calculator
Estimate the incremental annual tax and net amount from a bonus.
Overtime Calculator
Estimate the after-tax value of annual overtime pay without assuming it is taxed at one flat rate.
Super
SG, Payday Super, salary sacrifice and Division 293.
Superannuation Calculator
Estimate 12% employer super, contributions per pay and concessional-cap headroom.
Payday Super Calculator
Estimate the super contribution attached to each payday from 1 July 2026.
Employer Super Calculator
Estimate the employer SG amount, per-pay contribution and cap interaction.
Salary Sacrifice Calculator
Compare take-home pay, estimated tax saving and super added before and after salary sacrifice.
Division 293 Calculator
Estimate additional tax on concessional super contributions for higher-income earners.
Property
State duty, rental property, gearing and rental yield.
Rental Property Tax Calculator
Estimate net rental result, cash flow and the tax effect of common rental deductions.
Investment Property Tax Calculator
Combine rental income, property expenses, ownership share and other income in one estimate.
Negative Gearing Calculator
Compare rental cash flow with taxable rental result and estimate the change in tax.
Rental Yield Calculator
Calculate gross and net annual rental yield from property value, rent and annual costs.
Investment
Capital gains, crypto, dividends and franking credits.
Capital Gains Tax Calculator
Estimate a taxable capital gain after costs, losses and the eligible 50% individual discount.
Crypto Tax Calculator
Estimate capital gain and tax for a single crypto disposal, including fees, losses and holding period.
Franking Credit Calculator
Gross up a fully franked cash dividend and calculate the attached franking credit.
Dividend Tax Calculator
Estimate individual tax on a fully franked dividend after applying the entered franking credit.
Business
GST, sole trader, company tax and PAYG instalments.
GST Calculator
Add or reverse Australia’s 10% GST and check the general registration turnover threshold.
Sole Trader Tax Calculator
Estimate business profit, individual tax, Medicare, HELP and a monthly or quarterly tax reserve.
Company Tax Calculator
Estimate company tax at 25% for an eligible base rate entity or 30% otherwise.
PAYG Instalment Estimator
Use the ATO amount method or a user-entered instalment rate without claiming to recreate a personalised notice.
Property duty by state and territory
Transfer duty is jurisdiction-specific. Choose where the property is located.
Australia 2026–27 at a glance
The Australian financial year runs from 1 July to 30 June. Resident income tax is progressive, Medicare is calculated separately, HELP uses repayment income, and employer super is shown outside take-home deductions.
| Rule | 2026–27 anchor |
|---|---|
| Tax-free threshold | $18,200 for eligible residents |
| First resident marginal rate | 15% |
| Standard Medicare levy | Generally 2% |
| Super guarantee | 12% and Payday Super |
| GST | 10% |
Official sources
- Resident individual tax rates for 2026–27
- Foreign resident tax rates
- Low income tax offset
- 2026 withholding schedules — Medicare levy parameters
- Medicare Levy Surcharge thresholds 2026–27
- HELP loan repayments 2026–27
- Super guarantee rates and thresholds
- Payday Super from 1 July 2026
Rule review
Australia · 2026–27 · AU-2026-27-v1
Last reviewed 7 October 2026. Rates are versioned and covered by automated boundary tests.
Estimates only — not personalised tax, legal or financial advice.