Take Home Pay Calculator Australia 2026-27
Estimate — simplified model. Australian resident, full tax-free threshold, no deductions, no HELP/HECS repayments, no Medicare Levy Surcharge. Income tax uses the ATO resident rates; the Low Income Tax Offset (LITO) is applied after tax and floored at $0; the Medicare levy is 2% with the low-income shade-in. Super (12%) is shown for information only — it is not deducted from take-home pay. The 2026-27 Medicare low-income thresholds are carried forward from 2025-26 (the ATO has not published separate 2026-27 thresholds yet) and are provisional. Figures are estimates, not tax advice.
How the calculation works
Australian take-home pay has three parts. First, income tax: nothing on the first $18,200 (the tax-free threshold), then 15% to $45,000 in 2026-27 (16% in 2025-26), 30% to $135,000, 37% to $190,000 and 45% above that. Second, the Medicare levy: 2% of taxable income, with a shade-in for low incomes — no levy at or below $28,011, then 10% of the excess up to $35,013, then the full 2%. Third, the Low Income Tax Offset (LITO): up to $700 for incomes up to $37,500, phasing out to nil at $66,667. LITO reduces your income tax but never below zero, and it does not reduce the Medicare levy.
Superannuation is different from the other deductions: your employer pays 12% of your ordinary time earnings on top of your salary. It is not taken out of your pay, so it does not reduce your take-home pay — it is extra money going into your super fund. From 1 July 2026, “Payday Super” means employers must pay it within 7 business days of payday instead of quarterly, but the rate stays 12%.
What changed for 2026-27?
Only one thing: the second tax bracket fell from 16% to 15% (income $18,201–$45,000), legislated under the Treasury Laws Amendment (More Cost of Living Relief) Act 2025. All thresholds and other rates are unchanged, so the maximum saving versus 2025-26 is 1% of $26,800 — $268 a year for anyone earning $45,000 or more. The same bracket falls again to 14% from 1 July 2027. The Medicare levy thresholds for 2026-27 have not been separately published by the ATO, so this calculator carries forward the 2025-26 figures ($28,011 / $35,013) and flags them as provisional.
Worked example: $80,000 salary, 2026-27
| Year | Month | |
|---|---|---|
| Gross salary | $80,000.00 | $6,666.67 |
| Income tax | −$14,520.00 | −$1,210.00 |
| Medicare levy (2%) | −$1,600.00 | −$133.33 |
| Low Income Tax Offset | $0.00 | $0.00 |
| Take-home pay | $63,880.00 | $5,323.33 |
| Super (12%, employer-paid, on top) | $9,600.00 | $800.00 |
On $30,000 the picture is very different: income tax of $1,888 is cut to $1,188 by the $700 LITO, and the Medicare levy is only $198.90 thanks to the shade-in (instead of the flat $600) — take-home pay is $28,613.10 a year. Low-income workers keep a much bigger share of each dollar.
What affects your take-home pay?
- HELP/HECS repayments — not included here. Repayment rates start at 1% of repayment income above the minimum threshold and rise with income; they can take several thousand dollars a year.
- Salary sacrifice — sacrificing salary into super reduces your taxable income and your tax, but also reduces your take-home pay. The trade-off depends on your marginal rate.
- The Medicare Levy Surcharge — if you earn over $105,000 (singles, 2026-27) without appropriate private hospital cover, you pay an extra 1% to 1.5%. Not included here.
- Deductions — work-related expenses reduce your taxable income. This calculator assumes none; claim them at tax time and your refund will be higher.
Related: Australia Tax Brackets 2026-27 · Minimum Wage Australia 2026 · UK Take Home Pay Calculator
Sources: Australian Taxation Office, “Tax rates – Australian resident”, “Medicare levy reduction for low-income earners”, “Low income tax offset” and “How much super to pay” (ato.gov.au). Checked 13 November 2026. The 2026-27 Medicare low-income thresholds are carried forward from 2025-26 and are provisional.