CLARITY STARTS WITH THE NUMBERS
Your income.
Your tax, made clearer.
A straightforward estimate of your Australian income tax.
Put in your figures. Understand what’s behind the numbers.
For full-year Australian residents, aged 18+, single with no dependants. Assumes no seniors or pensioners tax offset.
View assumptions01 / YOUR FIGURES
Let’s do the numbers.
02 / YOUR ESTIMATE
2025–26Your estimate starts here.
Enter your annual income, then select Calculate estimate.
Estimated annual tax
$19,588.00
Income tax after LITO + Medicare levy
- Taxable income
- $90,000.00
- Income tax before offsets
- $17,788.00
- Low income tax offset LITO
- −$0.00
- Medicare levy
- $1,800.00
After the PAYG withholding entered. Other liabilities and credits are excluded.
Includes the standard 2% Medicare levy.
General information, not personal tax advice. This is a limited estimate, not an ATO assessment. HELP repayments, Medicare levy surcharge and other adjustments are excluded.
An example is shown. Replace the figures with your own.
BEHIND THE NUMBERS
Know what’s included.
Clear assumptions make an estimate useful.
How is the estimate calculated?
Allowable deductions are subtracted from assessable income. The resulting taxable income is rounded down to whole dollars. We apply the 2025–26 resident rates below, subtract the available low income tax offset (limited to income tax), then add the Medicare levy. Displayed components are rounded to cents.
| Taxable income | Tax on that income |
|---|---|
| $0–$18,200 | Nil |
| $18,201–$45,000 | 16% of the amount over $18,200 |
| $45,001–$135,000 | $4,288 + 30% over $45,000 |
| $135,001–$190,000 | $31,288 + 37% over $135,000 |
| Above $190,000 | $51,638 + 45% over $190,000 |
LITO is up to $700 at taxable income of $37,500 or less. It reduces by 5 cents per dollar over $37,500 up to $45,000, then by 1.5 cents per dollar over $45,000 from a $325 base. It cannot create a refund by itself or reduce the Medicare levy.
For the single-person Medicare calculation, no levy applies up to $28,011. Above this, the levy is the lower of 10% of income above $28,011 and 2% of taxable income. A selected full-year exemption sets the levy to zero.
Income after tax equals annual income less estimated tax. It does not subtract deductible expenses or represent a payslip calculation. A refund or amount owing is only estimated when you enter PAYG tax withheld.
Who is this calculator suitable for?
This prototype assumes you were an Australian resident for tax purposes for the whole 2025–26 year, are aged 18 or older, are single with no dependants and are not eligible for the seniors and pensioners tax offset (SAPTO).
It excludes foreign and part-year residents, working holiday makers, special-rate income, HELP and other study-loan repayments, the Medicare levy surcharge, family Medicare reductions, partial-year exemptions, other offsets, franking credits, foreign tax credits and prior-year losses. It does not calculate capital gains or determine whether an expense is deductible. Deductions above income need a separate loss assessment.
Enter assessable income after any valid salary sacrifice and exclude employer superannuation. Do not enter an entire remuneration package as salary. Capital gains, rental income and business income need to be calculated correctly before any taxable amounts are included.
Seek advice tailored to your circumstances before making decisions or lodging a return. The actual assessment may differ, including due to ATO rounding.
Sources, review date & privacy
Calculation rules checked on 18 September 2026. This calculator is intentionally limited to 2025–26. It does not apply the different 2026–27 rates.
- ATO · Australian resident tax rates ↗
- ATO · Low income tax offset ↗
- ATO · Medicare levy reduction thresholds ↗
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