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Australia Income Tax Calculator

Calculate Australian income tax, Medicare levy, resident and non-resident tax brackets, net take-home pay, and superannuation with real-time breakdowns.

Income details

$
%

Annual take-home pay

$73,812

Total tax payable

$21,188

Effective tax rate

22.3%

Tax breakdown

  • Take-home pay$73,81277.7%
  • Income tax$19,28820.3%
  • Medicare levy$1,9002.0%

Annual breakdown

Taxable income$95,000
Income tax$19,288
Medicare levy$1,900
Superannuation$10,925

Pay period estimates

$6,151

$2,839

$1,419

Australian income tax brackets, Medicare levy, and superannuation assumptions reflect the 2024-2025 financial year. Actual PAYG withholding depends on your TFN declaration, offsets, and employer payroll settings.
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How the Australia income tax calculator works

Australian take-home pay depends on your residency status, income tax brackets, the Medicare levy, and superannuation contributions. This calculator estimates income tax, Medicare, net pay, and super amounts using Australian Taxation Office (ATO) rates for the 2024-2025 financial year. All math runs in your browser.

Enter your gross income, residency status, whether super is included in your package, super rate, and Medicare levy preference. Results update instantly with a full tax breakdown and pay converted to weekly, fortnightly, and monthly amounts. For a U.S. federal and state comparison, try the income tax calculator. To model regular salary conversions, use the salary calculator. For BIR TRAIN Law tax and SSS, PhilHealth, and Pag-IBIG deductions in the Philippines, see the Philippines income tax calculator.

2024-2025 Australian resident tax brackets

For Australian tax residents in the 2024-2025 financial year, the ATO applies these progressive income tax brackets on taxable income:

  • $0 to $18,200: 0% (tax-free threshold)
  • $18,201 to $45,000: 16%
  • $45,001 to $135,000: 30%
  • $135,001 to $190,000: 37%
  • Over $190,000: 45%

Non-residents pay 30% on income up to $135,000 with higher rates above that. Working holiday makers (subclass 417 and 462 visa holders) use a separate 15% rate up to $45,000. The calculator supports all three residency types.

Income tax and Medicare levy formulas

For Australian tax residents, income tax on earnings above $45,000 in the middle bracket follows:

Income Tax=$4,288+(Taxable Income−$45,000)×0.30\mathrm{Income\ Tax} = \$4{,}288 + (\mathrm{Taxable\ Income} - \$45{,}000) \times 0.30

The Medicare levy is 2% of taxable income for most Australian residents who opt in:

Medicare Levy=Taxable Income×0.02\mathrm{Medicare\ Levy} = \mathrm{Taxable\ Income} \times 0.02

Net take-home pay is taxable income minus total tax:

Net Take-home=Taxable Income−Income Tax−Medicare Levy\mathrm{Net\ Take\text{-}home} = \mathrm{Taxable\ Income} - \mathrm{Income\ Tax} - \mathrm{Medicare\ Levy}

When super is not included in your stated gross, the calculator adds employer super on top at your chosen rate (the default 11.5% reflects the 2024-2025 super guarantee). When super is included in the package, taxable income is backed out from the total. For U.S. payroll tax equivalents, see the FICA tax calculator.

Superannuation handling

If super is not included in your gross figure, employer super is calculated as a percentage on top of your taxable salary. If super is included in a total package figure, the calculator separates the super component before applying tax brackets. The biweekly pay calculator helps convert annual net pay into a fortnightly amount (26 fortnights per year in Australia).

Worked example: $95,000 resident salary

Consider an Australian tax resident earning $95,000 gross per year in the 2024-2025 financial year, with super paid on top at 11.5% and the Medicare levy included:

  1. Taxable income: $95,000 (super is paid on top, not deducted from gross).
  2. Income tax: $4,288 plus 30% of ($95,000 minus $45,000) = $4,288 + $15,000 = $19,288.00.
  3. Medicare levy: $95,000 x 2% = $1,900.00.
  4. Total tax: $19,288.00 + $1,900.00 = $21,188.00. Effective tax rate: about 22.3%.
  5. Net take-home pay: $95,000 minus $21,188.00 = $73,812.00 per year ($6,151.00 per month, $2,838.92 per fortnight).
  6. Employer super (11.5% on top): $10,925.00 additional, not deducted from your take-home pay.

If you receive a performance bonus on top of base salary, the bonus calculator estimates U.S.-style supplemental withholding for comparison. To work backward from a desired net amount to required gross pay, use the gross pay calculator.

Frequently asked questions

What financial year does this calculator use?
The calculator uses ATO income tax brackets and Medicare levy rates for the 2024-2025 financial year (1 July 2024 to 30 June 2025).
What is the tax-free threshold for Australian residents?
Australian tax residents pay no income tax on the first $18,200 of taxable income in the 2024-2025 financial year.
Who pays the Medicare levy?
Most Australian tax residents pay a 2% Medicare levy on taxable income. Low-income earners and certain exemption holders may pay a reduced levy or none at all. This calculator applies the standard 2% when the Medicare option is enabled.
How does superannuation affect my take-home pay?
Employer super contributions are generally paid on top of your salary and do not reduce your taxable income when super is not included in your gross figure. When super is bundled into a total package, the calculator separates the super portion before applying tax.
What is the difference between resident and non-resident tax?
Non-residents for tax purposes do not receive the $18,200 tax-free threshold. They pay 30% on income up to $135,000, with higher rates above that. Working holiday makers use a separate 15% rate on income up to $45,000.
Is PAYG withholding the same as this estimate?
Your employer withholds PAYG tax based on your tax file number declaration and ATO schedules. This calculator estimates annual tax liability, which may differ slightly from per-paycheck withholding.
Are the results stored on a server?
No. All calculations run in your browser. Changing inputs updates the page URL so you can share your scenario.

Resources and references

The formulas and methods in this calculator were checked against these independent sources.