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2026-27 Australian tax rates
Australian pay calculator
Estimate your take-home pay, tax, HELP repayments and employer super.
Built from current ATO rules
Your income
What do you earn?
Settings
Common payroll settings are already selected.
Employment and payAllowances, overtime, bonuses and commissions, after-tax deductions, extra withholding, part-time work and purchased leave
Taxable allowances
$
Regular overtime
$
Other after-tax deductions
$
Extra withholding requested
$
Additional overtime
Add each overtime rate separately.
Recurring bonus or commission
Annual base pay: $80,000.00
Income from other sourcesInterest, dividends, investments, managed funds, rent, business income, capital gains, foreign income and other taxable income
Deductions and tax creditsWork expenses, standard work-related deduction, other deductions, non-super salary sacrifice, tax offsets and refundable credits
Tax, HELP and familyResidency, TFN, tax-free threshold, Medicare, hospital cover, HELP, spouse, children, child support and Family Tax Benefit
Use the details on your tax declaration.
Estimated annual Medicare levy: $1,580.00. Medicare levy surcharge: $0.00.
SuperannuationEmployer super, voluntary contributions, contribution caps, government co-contribution, low income super tax offset, Division 293 and spouse contributions
Employer super
Voluntary super contributions
Before-tax contributions are concessional. After-tax contributions are non-concessional.
Contribution cap settings
2026-27 caps: $32,500.00 concessional and $130,000.00 non-concessional.
Concessional$9,600.00of $32,500.00
Non-concessional$0.00of $130,000.00
Government co-contribution$0.002026-27 income range $49,293.00 to $64,293.00
Low income super tax offset$0.00
Division 293 tax$0.00
Spouse super offset$0.00
Novated lease and fringe benefitsLease and running costs, employee contributions and reportable fringe benefits
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Calculation method
How your pay estimate is calculated
Deductit uses the 2026-27 ATO withholding schedule for your pay cycle, including any HELP and eligible Medicare adjustments.
Australian pay calculator FAQs
How is take-home pay calculated in Australia?
Take-home pay is gross pay less PAYG withholding, HELP loan withholding where applicable, salary sacrifice, extra withholding and other after-tax payroll deductions.
Is the 12% super rate current for 2026-27?
Yes. The legislated minimum super guarantee rate reached 12% on 1 July 2025 and remains 12% for 2026-27. From 1 July 2026, Payday Super generally requires contributions to be calculated and paid each payday.
Does a HELP loan change my take-home pay?
It can. When you notify your employer of an eligible HELP or related Australian study and training loan debt, an additional withholding component applies once earnings reach the relevant threshold.
How are voluntary super contributions treated?
Salary sacrifice is a concessional payroll contribution and reduces taxable pay. A personal contribution claimed as a deduction also counts toward the concessional cap, while an after-tax contribution counts toward the non-concessional cap. Carry-forward room can increase the concessional cap when the ATO eligibility conditions are met.
Why can my tax return differ from this pay estimate?
Payroll withholding is an estimate collected during the year. Your final assessment can also include other income, deductions, tax offsets, Medicare levy surcharge, private health insurance information and amounts already withheld.