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Calculate your take-home pay under ATO resident tax brackets for 2026/2027 (including the 15% rate on the lowest bracket). Includes Medicare Levy, LITO, MLS, and 12% Superannuation Guarantee.
This Australia Take-Home Pay Calculator computes your net pay for tax year 2026/2027 under official Australian Taxation Office (ATO) personal income tax rates (including the 15% rate for the lowest taxable bracket effective 1 July 2026). It calculates statutory income tax, the 2% Medicare Levy with 2026-27 low-income thresholds ($28,011 to $35,013 phase-in), the Low Income Tax Offset (LITO), updated Medicare Levy Surcharge tiers ($105,000 threshold), and employer Superannuation Guarantee contributions (12.0%).
Worked Examples (Official 2026/2027 ATO Scenarios): 1. Resident Earning $85,000 Gross Salary (Single, with Private Hospital Cover): • Taxable Income: $85,000 • Tax on First $18,200: $0 • Tax on $18,201 to $45,000 ($26,800 @ 15%): $4,020 • Tax on $45,001 to $85,000 ($40,000 @ 30%): $12,000 • Base Income Tax: $16,020 • Low Income Tax Offset: $0 (fully phased out above $66,667) • Medicare Levy (2.0% of $85,000): $1,700 • Medicare Levy Surcharge: $0 (covered by private hospital insurance) • Total Government Withholdings: $16,020 + $1,700 = $17,720 • Annual Net Take-Home Pay: $67,280 ($5,607/month or $2,588 fortnightly). • Employer Superannuation Guarantee (12.0%): $10,200 paid directly into Super. 2. High Earner at $130,000 without Hospital Cover (MLS Tier 2 applies): • Taxable Income: $130,000 • Base Tax: $4,020 + (130,000 − 45,000) × 30% = $4,020 + $25,500 = $29,520 • Medicare Levy (2.0%): $2,600 • Medicare Levy Surcharge (1.25% on $130k): $1,625 • Total Taxes Withheld: $29,520 + $2,600 + $1,625 = $33,745 • Annual Net Take-Home Pay: $96,255 ($8,021/month or $3,702 fortnightly).
In Australia, most workers are paid fortnightly. Review your 'Fortnightly Take-Home' to verify the exact deposit you should expect on pay day. Notice that employer superannuation contributions (12%) are paid on top of your ordinary salary directly into your super fund and do not reduce your take-home pay unless you voluntarily arrange salary sacrifice.
Effective 1 July 2026, the tax rate for the lowest taxable bracket ($18,201 to $45,000) dropped from 16% to 15%, reducing the maximum tax paid across that tier from $4,288 to $4,020 (saving Australian taxpayers up to $268 per year). A further cut to 14% is legislated for 1 July 2027.
Australian residents for tax purposes do not pay any income tax on the first $18,200 earned in the financial year. When claiming the tax-free threshold with your primary employer via the TFN declaration, tax withholding starts only when your earnings exceed this annualized amount.
For 2026-27, single individuals earning up to $28,011 pay no Medicare levy, with a shaded phase-in up to $35,013. The Medicare Levy Surcharge (MLS) for individuals without private hospital cover applies to incomes over $105,000 (Tier 1: $105,001–$123,000 @ 1.0%; Tier 2: $123,001–$164,000 @ 1.25%; Tier 3: over $164,000 @ 1.5%).
For the 2026/2027 financial year, employers must contribute 12.0% of an employee's Ordinary Time Earnings (OTE) into their nominated complying superannuation fund. This is in addition to your agreed gross salary.
Concessional contributions (salary sacrifice) are deducted from your pre-tax income, avoiding marginal income tax rates of 30%, 37%, or 45% plus the 2% Medicare levy. Inside superannuation, these contributions are taxed at a flat rate of just 15% (subject to the annual $30,000 concessional cap).
Data verified: Tax Year 2026/2027 (ATO Official Rates)