Australian Income Tax Calculator

Use our simple income tax calculator to estimate your tax payable for the 2025-2026 financial year. This tool accounts for your income tax, the Medicare Levy, the Medicare Levy Surcharge, the Low Income Tax Offset (LITO), and HELP/HECS repayments.

Australian Income Tax Calculator 2025-26


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Australian Income Tax Calculator (2025-26)

💰 Your Income & Status


Annual Taxable Income
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Your total taxable income for the year before any deductions. This includes salary, wages, business income, and other taxable earnings.



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Tax Residency Status
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Australian residents are taxed on worldwide income and eligible for tax-free threshold and Medicare. Non-residents pay tax from the first dollar earned.




🏥 Medicare & Health


Private Hospital Cover
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If you don't have appropriate private patient hospital cover and earn above certain thresholds, you may pay the Medicare Levy Surcharge (MLS).





Family Status (for MLS)
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Family income thresholds are higher for MLS purposes. Select if you have a spouse or dependent children.




🎓 Education & Loans


HELP/HECS Debt
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Higher Education Loan Program (HELP) repayments are calculated based on your income and are collected through the tax system.





Student Financial Supplement Scheme (SFSS)
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SFSS repayments apply if you have an outstanding Student Financial Supplement Scheme debt.




👥 Dependents & Age


Number of Dependent Children
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Dependent children can affect MLS thresholds. Each child increases the family threshold by $1,500.





Senior Status
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Seniors may be eligible for the Senior Australians Tax Offset (SATO) and have different Medicare Levy thresholds.




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Medicare Levy Surcharge applies: Consider getting private hospital cover to avoid this additional cost.
Disclaimer: This calculator provides estimates for the 2025-26 financial year based on current ATO rates and thresholds. Results are indicative only and do not constitute financial or tax advice. Individual circumstances, additional offsets, deductions, and other factors may affect your actual tax liability. Always consult with a qualified tax professional or registered tax agent for personalized advice.
Last Updated: July 15, 2025 | Data Source: Australian Taxation Office

All calculations are based on the latest rates from the Australian Taxation Office (ATO).