AU Pay & Tax

2025–26 • Australia

Australian Pay & Tax Calculator (2025–26)

Convert your pay (hourly, weekly, fortnightly, monthly, or annual) to take-home estimates with 2025–26 PAYG tax and 2% Medicare levy.

Your inputs

Frequency

Results

Annual gross$88,920
Annual tax$17,464
Medicare (2%)$1,414
Take-home (annual)$70,042
PeriodGrossTaxMedicareTake-homeSuper
Hourly$45$9$1$35$5
Weekly$1,710$336$27$1,347$188
Fortnightly$3,420$672$54$2,694$376
Monthly$7,410$1,455$118$5,837$815
Annual$88,920$17,464$1,414$70,042$9,781

Tax breakdown

Showing marginal rates applied to annual income.

From $0 @ 0%$0
From $18,200 @ 16%$4,288
From $45,000 @ 30%$13,176

Methodology & notes

Resident tax rates for 2025–26, claiming the tax-free threshold by default, flat 2% Medicare levy on taxable income (above the threshold), no offsets, no deductions, no HELP/HECS, and super is shown separately and not deducted from take-home pay. Results scale from annual calculations for hourly, weekly, fortnightly, and monthly views.

  • Weekly hours default to 38; adjust for overtime or part-time load.
  • Medicare levy is skipped when the tax-free threshold toggle is off.
  • Use this as a guide; actual payroll may differ due to rounding or offsets.

Guide: How Australian PAYG tax works (2025–26)

  • Resident marginal rates: 0%, 16%, 30%, 37%, 45% across 2025–26 brackets.
  • Tax applies only to the income inside each bracket (progressive, not flat).
  • Medicare levy: flat 2% on taxable income when the tax-free threshold is claimed.
  • PAYG on this page is derived annually, then divided to weekly/fortnightly.
  • We exclude offsets, deductions, HELP/HECS, and low-income Medicare reductions.

Gross vs net income explained

  • Gross: your pay before tax and Medicare levy.
  • Net (take-home): gross minus PAYG tax minus Medicare levy.
  • Super: employer contribution displayed separately; not subtracted from net here.

How superannuation affects take-home pay

  • Employer SG is typically on top of base pay; we show it separately.
  • We do not model salary sacrifice or concessional caps in this calculator.
  • Including super here does not reduce net pay; it just shows the extra contribution.

Simple example calculation

Example: $45/hr, 38 hours/week, tax-free threshold claimed, no salary sacrifice.

  • Annual gross: $88,920.
  • Tax: $4,288 on $18,201–$45,000 plus $13,176 on $45,001–$88,920 = $17,464.
  • Medicare levy: 2% of ($88,920 – $18,200) ≈ $1,414.
  • Estimated take-home: ~$70,042 per year (before any offsets or deductions).

2025–26 tax brackets table

Resident rates (excludes Medicare levy). Marginal tax applies only to income within each band.

Taxable incomeTax on this income
$0 – $18,200Nil
$18,201 – $45,00016c for each $1 over $18,200
$45,001 – $135,000$4,288 plus 30c for each $1 over $45,000
$135,001 – $190,000$31,288 plus 37c for each $1 over $135,000
$190,001 and over$51,638 plus 45c for each $1 over $190,000

Medicare levy of 2% is applied separately when the tax-free threshold is claimed.

FAQ

What are the 2025–26 resident tax brackets?

0–$18,200: 0%. $18,201–$45,000: 16% over $18,200. $45,001–$135,000: $4,288 plus 30% over $45,000. $135,001–$190,000: $31,288 plus 37% over $135,000. $190,001+: $51,638 plus 45% over $190,000. Medicare levy (2%) is applied separately.

How is PAYG calculated here?

Income is taxed progressively using the 2025–26 resident marginal rates. Each bracket only taxes the income within its band, then results are scaled to weekly and fortnightly amounts from the annual calculation.

How do you handle the Medicare levy?

A flat 2% Medicare levy is applied to taxable income when the tax-free threshold is claimed. This simple model ignores low-income reductions and exemptions.

What does the calculator include?

Gross income from your hourly rate and weekly hours, estimated PAYG, a flat 2% Medicare levy (when enabled), and an optional superannuation line shown separately from take-home pay.

How does super affect take-home here?

Employer super is shown separately and not deducted from take-home in this tool. Salary sacrifice and contribution caps are not modelled.

How accurate is this estimate?

It is indicative only. It omits offsets, deductions, HELP/HECS, and detailed Medicare thresholds, and your payroll may round differently.