Calculate your Australian take-home pay for 2025–26: income tax, Medicare levy, HELP/HECS, and 12% superannuation. Free, instant, ATO-accurate.
Loading calculator…
Enter your salary above to see your take-home pay for the 2025–26 Australian financial year — including income tax, the 2% Medicare levy, the Low Income Tax Offset, and 12% superannuation. Results update instantly across yearly, monthly, fortnightly and weekly pay.
Australian resident income tax rates 2025–26
Taxable income
Tax rate
$0 – $18,200
0%
$18,201 – $45,000
16%
$45,001 – $135,000
30%
$135,001 – $190,000
37%
$190,001 and over
45%
These are the Stage 3 rates that apply from 1 July 2024. The Medicare levy of 2% applies on top for most residents, and the superannuation guarantee is 12% of ordinary earnings.
Worked example: $90,000 salary
On a $90,000 salary, income tax is $17,788, the Medicare levy is $1,800, leaving a take-home pay of $70,412 per year (about $5,868 per month). Your employer also pays $10,800 in superannuation on top.
Frequently asked questions
How much tax do I pay on $90,000 in Australia?
On a $90,000 salary in 2025–26 you pay $17,788 in income tax plus $1,800 Medicare levy — total $19,588 — leaving $70,412 take-home.
What is the tax-free threshold in Australia?
The tax-free threshold is $18,200. You pay no income tax on the first $18,200 you earn if you are an Australian resident claiming the threshold.
How much superannuation should I receive?
The superannuation guarantee is 12% of ordinary time earnings from 1 July 2025, paid by your employer on top of your salary.
What is the Medicare levy?
Most Australian residents pay a 2% Medicare levy on taxable income. Low-income earners pay a reduced rate or none, and high earners without private hospital cover may also pay the Medicare Levy Surcharge.