Pay Calculator Australia 2026-27
Free Australian pay calculator, tax calculator and take-home pay tool. Uses the official ATO 2026-27 brackets, Medicare levy, HECS/HELP and superannuation. Works as a simple tax calculator, basic salary calculator or ATO income tax calculator — supports annual, monthly, fortnightly, weekly and hourly input for the 2026-27 financial year (1 July 2026 – 30 June 2027).
Take-Home Pay
$2,457
per fortnight
Annual Breakdown
Effective Rates
Effective Tax Rate
20.1%
Marginal Rate
30.0%
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.
Frequently Asked Questions
How much tax do I pay on $80,000 in Australia in 2026-27?
On $80,000, an Australian resident pays $13,642 in income tax (after the Low Income Tax Offset), plus $1,600 in Medicare levy. That's $15,242 total tax, leaving $64,758 take-home per year — or about $2,490 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 $2,170 — after income tax ($10,742) and Medicare levy ($1,400). If you have HECS, your fortnightly take-home would be lower.
Does the calculator include the 2026-27 tax cut?
Yes. Select '2026-27' in the financial year dropdown. The second bracket drops from 16% to 15%, saving up to $268 per year for those earning above $45,000.
What is the Medicare levy?
The Medicare levy is 2% of your taxable income. It funds Australia's public health system (Medicare). Low-income earners may pay a reduced rate or nothing. The separate Medicare Levy Surcharge (1–1.5%) applies to higher earners without private hospital cover.
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.
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% |