Pay Calculator Australia 2026-27
On an $80,000 salary in 2026-27, an Australian resident takes home $63,880 per year (about $2,457 per fortnight) after $14,520 income tax and $1,600 Medicare levy. Enter your own salary below for a full breakdown including HECS, superannuation and salary sacrifice — updated with ATO 2026-27 data.
How Australian Income Tax Works
Australian residents pay tax on a progressive scale. The tax-free threshold is $18,200 — income below this is tax-free. Above it, tax applies at increasing rates up to 45% on income over $190,000.
In the 2026-27 financial year, the second bracket rate dropped from 16% to 15% on income between $18,201 and $45,000. Every other threshold is unchanged.
| Taxable Income | 2025-26 Rate | 2026-27 Rate |
|---|---|---|
| $0 – $18,200 | 0% | 0% |
| $18,201 – $45,000 | 16% | 15% ↓ |
| $45,001 – $135,000 | 30% | 30% |
| $135,001 – $190,000 | 37% | 37% |
| $190,001+ | 45% | 45% |
On top of income tax, most residents pay a 2% Medicare levy. The Low Income Tax Offset (LITO) reduces tax by up to $700 for those earning below $66,667.
Superannuation is paid on top of your salary at 12% (2026-27). It goes directly to your super fund — not to your bank account — but it is part of your total employment cost.
Take-Home Pay for Common Salaries (2026-27)
Australian resident, no HECS/HELP. Income tax includes the Low Income Tax Offset; Medicare levy is 2%. Superannuation is paid on top and not deducted from take-home pay. Source: ATO 2026-27 rates.
| Salary | Income Tax | Medicare | Take-Home | Per Fortnight | Eff. Rate |
|---|---|---|---|---|---|
| $60,000 | $8,420 | $1,200 | $50,380 | $1,938 | 16.0% |
| $80,000 | $14,520 | $1,600 | $63,880 | $2,457 | 20.1% |
| $100,000 | $20,520 | $2,000 | $77,480 | $2,980 | 22.5% |
| $120,000 | $26,520 | $2,400 | $91,080 | $3,503 | 24.1% |
| $150,000 | $36,570 | $3,000 | $110,430 | $4,247 | 26.4% |
Frequently Asked Questions
How much tax do I pay on $80,000 in Australia in 2026-27?
On $80,000, an Australian resident pays $14,520 in income tax, plus $1,600 in Medicare levy. That's $16,120 total tax, leaving $63,880 take-home per year — or about $2,457 per fortnight.
What is the fortnightly pay for a $70,000 salary?
On a $70,000 salary in 2026-27, your fortnightly take-home pay is $2,195 — after income tax ($11,520) and Medicare levy ($1,400). If you have HECS, your fortnightly take-home would be lower.
What is the tax-free threshold in Australia for 2026-27?
The tax-free threshold is $18,200. If you earn below this amount as an Australian resident, you pay no income tax. If you earn above it, tax applies only to the portion above $18,200.
How is HECS/HELP repayment calculated in 2025-26 and 2026-27?
From 1 July 2025, HECS/HELP uses a new marginal system. Repayments only apply to income above $67,000 — at 15 cents per dollar between $67,000 and $125,000. Previously the rate applied to your entire income once you crossed the threshold. The new system is fairer and results in smaller compulsory repayments for most.
Does the calculator include superannuation?
Yes. The Superannuation Guarantee rate is 12% from 1 July 2025. The calculator shows employer super contributions separately — super goes to your fund, not directly to your bank account. Toggle 'salary includes super' if your package is quoted as a total package inclusive of super.
What changed in the 2026-27 financial year for taxes?
The second income tax bracket drops from 16% to 15% on income between $18,201 and $45,000. This saves a maximum of $268 per year for anyone earning above $45,000. All other brackets and thresholds remain unchanged from 2025-26.
Is this an ATO tax calculator?
Yes — this Australian tax calculator uses the official ATO 2026-27 brackets, Medicare levy and Low Income Tax Offset (LITO). It works the same as the Australian Taxation Office's own simple tax calculator, with the addition of HECS/HELP and superannuation in a single view.
Do you offer a simple or basic tax calculator?
Yes. Enter only a salary and leave HECS, super and salary sacrifice as default — you'll get a basic tax calculator result. Toggle the advanced options to model HECS/HELP, salary sacrifice and the Medicare Levy Surcharge.
Salary After Tax Lookups — Australia 2026-27
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Accurate ATO Data
Updated for the 2026-27 financial year. Includes the new 15% second bracket, Medicare levy thresholds, and the revised HECS marginal repayment system.
Super & HECS Included
Unlike basic calculators, we include the 12% superannuation guarantee, HECS/HELP repayments, and salary sacrifice — so you see your real take-home pay.
Fortnightly by Default
Most Australians are paid fortnightly. Our calculator leads with fortnightly results while also showing monthly, weekly, and annual breakdowns.