Income Tax Calculator (Australia)
Estimate your Australian resident income tax for the 2025-2026 financial year, including Medicare levy, SAPTO and the Medicare Levy Surcharge (MLS). Choose weekly, fortnightly, monthly or annual payment periods.
Calculate the change in your take home pay by applying tax deductions, including salary sacrifice super contributions.
Enter your income, tax deductions and family status below, to calculate tax payable and take home pay.
Want to reduce your income tax? Read our guide →
Your assumptions
Income & frequency
Household
Offsets & levies
SAPTO (estimate)
Deductions & salary sacrifice
Taxable income (after deductions)
$90,000
Tax payable
$17,788
Tax including Medicare + offsets
$19,588
Take-home pay
$70,412per annum
Take-home pay
$5,868per month
Take-home pay
$2,708per fortnight
Deductions applied
- Salary sacrifice (deduction)$0
- Work-from-home deduction$0
- Other deductions$0
- Total deductions$0
Super outcome (salary sacrifice)
- Amount sacrificed$0
- Contributions tax (15%)$0
- Net to super$0
Assumes 15% contributions tax. Division 293 (additional 15% for high incomes) not modelled.
MLS uses taxable income for simplicity. Real MLS uses “income for MLS purposes” (adds fringe benefits etc).
Assumptions & references
- Resident brackets for 2025-2026 (excludes Medicare/offsets until applied below).
- Medicare levy 2% with low-income thresholds (2024–25), higher seniors thresholds when SAPTO is ticked.
- MLS tiers 2025-2026 (no cover): singles > $97k; families > $194k (+$1,500 per child after first): 1.0% / 1.25% / 1.5%.
- SAPTO is a non-refundable offset; estimate only. Actual rules use “rebate income” and Age Pension eligibility.
- Work-from-home deduction uses ATO fixed-rate method at $0.70/hour. Salary sacrifice capped at $30,000; assumes 15% contributions tax.
- General information only; not tax advice.
This calculator is general information only. It does not consider your personal objectives, financial situation, or needs. Consider speaking with a qualified professional.