Australia take-home pay — 2026

Federal income tax + Medicare levy. Single filer, full-year Australian tax resident, no HELP/HECS repayment, no Medicare levy surcharge, no private health insurance rebate.

For 2026, a single Australian resident pays income tax at marginal rates of 0% on the first A$18,200, 16% on A$18,200-A$45,000, 30% on A$45,000-A$135,000, 37% on A$135,000-A$190,000, and 45% above A$190,000. On top of income tax, residents pay a 2% Medicare levy on taxable income above the threshold (A$27,222 for 2024-25 single; ~A$27,980 estimated for 2025-26).

Single, full-year Australian tax resident, no dependents, no private health insurance surcharge, no HELP/HECS repayment, no Medicare levy surcharge. Income tax + Medicare levy modeled. State/territory tax and credits not included.

Gross annual income (AUD)

Quick examples

Remember on this device

What this calculator assumes and excludes

Modeled scenario

Excluded by design

State, provincial, municipal, or local income taxes (separate calculators per jurisdiction).
Capital gains, dividend, rental, or investment income.
Self-employment tax, contractor structures, employer-side payroll taxes.
Pre-tax elections like 401(k), HSA, or FSA contributions.
Tax credits beyond standard deductions, education credits, EITC, AMT, and most phaseouts.
Tax treaties, foreign-earned-income exclusion, or residency-rule changes.
Married filing jointly / dependents / household-specific allowances (where the modeled scenario does not include them).

See the assumptions page for the full model description and methodology for how the engine works.

At a glance — 2026

Jurisdiction: Australia (federal income tax + Medicare levy)
Tax year: 2026 (Australian financial year, 1 July - 30 June)
Residency modeled: Full-year Australian tax resident (single, no dependents)
Lowest marginal rate: 0% (on first A$18,200)
Highest marginal rate: 45% (over A$190,000)
Currency: Australian Dollar (AUD)
Data release: au-fed-2026.1
Last reviewed: 2026-09-28

Federal income tax brackets — 2026

These are the official figures from the ATO — Individual income tax rates, after the Stage 3 tax cuts effective 1 July 2024 and indexed for 2025-26.

Progressive brackets — tax is computed band by band
Rate	Taxable income band (AUD)	Source
0%	$0 – $18,200	`au-fed-2026-bracket-0`
16%	$18,200 – $45,000	`au-fed-2026-bracket-16`
30%	$45,000 – $135,000	`au-fed-2026-bracket-30`
37%	$135,000 – $190,000	`au-fed-2026-bracket-37`
45%	$190,000 – and above	`au-fed-2026-bracket-45`

Medicare levy

Medicare levy — modeled in this calculator
Contribution	Rate	Threshold	Source
Medicare levy	2%	A$27,222 (no levy below)	`au-fed-2026-medicare-levy`

Three worked examples

Australia take-home — 2026, single, no HELP/HECS
Profile	Gross	Income tax	Medicare levy	Net annual	Effective rate
Full-time minimum wage	$49,000	$5,488	$436	$43,076	12.1%
Median Australian salary	$75,000	$13,288	$956	$60,756	19.0%
Solid professional	$130,000	$29,788	$2,056	$98,156	24.5%

What is and is not modeled

Modeled

Australian federal brackets (0% / 16% / 30% / 37% / 45%)
Medicare levy (2% on taxable income above threshold)

Not modeled

Medicare levy surcharge (0.5-1.5% for high-income earners without private health insurance)
Private health insurance rebate (income-tested offset for private health premiums)
HELP / HECS-HELP repayment (income-contingent student loan repayment as additional bracket)
Family Tax Benefit (means-tested transfer, not a tax credit)
Low Income Tax Offset (LITO) — automatic offset for low-income earners, separate from brackets
Low and Middle Income Tax Offset (LMITO) — abolished after 2021-22
Capital gains tax (separate schedule, with 50% CGT discount for assets held > 12 months)
Dividend imputation / franking credits
Superannuation contributions and concessional caps
State/territory payroll tax (different from state income tax, which doesn't exist in Australia)

Sources

ATO — Individual income tax rates — federal brackets and Medicare levy for 2025-26
ATO — Medicare levy — 2% levy on taxable income above threshold
Income Tax Assessment Act 1997, Schedule 7