# Tax calculators Australia: pay, tax, super and GST

Source: https://calculatax.com/
Title: Tax Calculators Australia 2026-27: Pay, Super & GST
Last updated: 2026-11-07

Calculatax's free tax calculators for Australia estimate take-home pay, income tax, refunds, super and GST using 2026-27 rates published by the Australian Taxation Office (ATO). On a $100,000 salary, income tax and the Medicare levy leave **$77,480** in 2026-27.

| At a glance 2026-27 | Figure |
|---|---|
| Tax-free threshold (residents) | $18,200 |
| Rate on $18,201 to $45,000 | 15% |
| Top rate, above $190,000 | 45% |
| Medicare levy | 2% |
| Super guarantee | 12% |
| Concessional super cap | $32,500 |
| HELP repayments start above | $69,528 |
| National minimum wage | $26.44 an hour |
| GST | 10% |

*2026-27 figures. Sources: ATO; Fair Work Ombudsman (minimum wage from 1 July 2026).*

## Pay, tax and super calculators updated for 2026-27

Rates across these Calculatax sections are effective 1 July 2026 to 30 June 2027.

- [Income tax in Australia](https://calculatax.com/tax/): Rates, offsets, the Medicare levy and HECS-HELP repayments.
- [Salary converter Australia](https://calculatax.com/salary/): Gross to net pay by week, fortnight, month or hour.
- [Superannuation](https://calculatax.com/super/): Employer super, caps, salary sacrifice and retirement income.
- [What is GST in Australia](https://calculatax.com/gst/): Adding or removing 10% GST and preparing a BAS.
- [Tax return](https://calculatax.com/tax-return/): Refund estimates, deductions and work-from-home claims.

### Take-home pay, income tax and super tools

The [pay calculator](https://calculatax.com/salary/pay-calculator/) turns a salary or hourly rate into net pay for each pay cycle. It deducts income tax, the low income tax offset (LITO), the 2% Medicare levy and any HELP repayment. It also shows the 12% super your employer pays on top.

The [tax calculator](https://calculatax.com/tax/income-tax-calculator/) works out a full year's tax for 2026-27 or 2025-26. It splits the bill by bracket so you can see which dollars are taxed at which rate. If you're lodging a return, the [tax return calculator](https://calculatax.com/tax-return/tax-refund-calculator/) compares that bill with the tax already withheld.

The [super calculator](https://calculatax.com/super/super-calculator/) projects your balance from employer contributions and any extra amounts. Concessional contributions are capped at $32,500 in 2026-27, up from $30,000 in 2025-26.

## What changed on 1 July 2026: the 15% rate, new tax tables and Payday Super

Three changes took effect on 1 July 2026.

- **15%**: Rate on income from $18,201 to $45,000 (Down from 16%)
- **Schedule 1**: New withholding formulas (Employers switched for payments made from 1 July 2026)
- **12%**: Super guarantee, paid each payday (Payday Super began on 1 July 2026)

### Who saves what, and the Payday Super rules

Anyone earning $45,000 or more saves $268 a year from the [tax cuts](https://calculatax.com/tax/tax-cuts/). A $30,000 earner saves $118. The [ATO page on new tax cuts for every Australian taxpayer](https://www.ato.gov.au/about-ato/new-legislation/in-detail/individuals/personal-income-tax-new-tax-cuts-for-every-australian-taxpayer) confirms the cut is law, and a further cut to 14% starts on 1 July 2027.

Employers must pay the 12% super guarantee each payday, and it must reach your fund within 7 business days, as the [ATO's Payday Super changeover guide](https://www.ato.gov.au/businesses-and-organisations/super-for-employers/payday-super-how-to-manage-super-during-the-changeover) explains. The base for it is now "qualifying earnings" in place of ordinary time earnings. The maximum contribution base is now an annual $270,830.

Two other measures are law. A $1,000 standard deduction for work-related expenses, with no receipts, applies from the 2026-27 income year. The $250 Working Australians Tax Offset starts in 2027-28.

## Calculators for your situation

### New or second job

Claim the $18,200 tax-free threshold with one employer only. The [PAYG withholding calculator](https://calculatax.com/tax/payg-withholding-calculator/) shows how much each employer should take per pay, and how far short the second job can fall.

### Pay rise, bonus or overtime

Extra income is taxed at your marginal rate, which is 32% including the Medicare levy on incomes from $66,668 to $135,000. The [pay rise calculator](https://calculatax.com/salary/pay-rise-calculator/), [bonus tax calculator](https://calculatax.com/salary/bonus-tax-calculator/) and [overtime calculator](https://calculatax.com/salary/overtime-calculator/) show what reaches your bank account.

### Working holiday or foreign resident

Working holiday makers pay 15% from the first dollar up to $45,000, then the resident rates above that. Foreign residents get no tax-free threshold: 30% applies from $1 to $135,000, with no Medicare levy. The [working holiday maker tax calculator](https://calculatax.com/tax/working-holiday-maker-tax-calculator/) and [foreign resident tax calculator](https://calculatax.com/tax/foreign-resident-tax-calculator/) apply those scales.

### Sole trader charging GST

A business must register for GST once its GST turnover reaches $75,000. Taxi and ride-sourcing drivers must register whatever their turnover. The [GST calculator](https://calculatax.com/gst/gst-calculator/) adds or removes 10%, and the [BAS calculator](https://calculatax.com/gst/bas-calculator/) nets GST collected against GST credits.

## Salary after tax at a glance ($50,000 to $200,000)

| Salary | Income tax after LITO | Medicare levy | Take-home a year | Take-home a fortnight | Average rate |
|---|---|---|---|---|---|
| [$50,000](https://calculatax.com/tax/on/50000/) | $5,270 | $1,000 | $43,730 | $1,681.92 | 12.54% |
| [$75,000](https://calculatax.com/tax/on/75000/) | $13,020 | $1,500 | $60,480 | $2,326.15 | 19.36% |
| [$100,000](https://calculatax.com/tax/on/100000/) | $20,520 | $2,000 | $77,480 | $2,980.00 | 22.52% |
| [$150,000](https://calculatax.com/tax/on/150000/) | $36,570 | $3,000 | $110,430 | $4,247.31 | 26.38% |
| [$200,000](https://calculatax.com/tax/on/200000/) | $55,870 | $4,000 | $140,130 | $5,389.62 | 29.94% |

*2026-27 resident rates, tax-free threshold claimed, no HELP debt, Medicare levy at 2%. Source: ATO.*

Doubling a salary from $100,000 to $200,000 lifts take-home pay by $62,650, or 81%. The tax bill rises 2.66 times, from $22,520 to $59,870, because the extra dollars fall in the 37% and 45% brackets of the [ATO tax rates for Australian residents](https://www.ato.gov.au/tax-rates-and-codes/tax-rates-australian-residents). The [salary after tax table](https://calculatax.com/tax/on/) covers every step from $20,000 to $300,000.

## How every figure is checked against the ATO

Tax, super and pay figures come from official pages: the ATO, the Federal Register of Legislation, the Fair Work Ombudsman or the Australian Bureau of Statistics. The current set was checked on 1 November 2026, and each page lists its sources.

Where a 2026-27 figure hasn't been announced, we say so and use the latest one. The Medicare levy low-income thresholds are the main case: the worked examples use the 2025-26 values ($28,011 for singles), the latest announced. The Seniors and Pensioners Tax Offset uses the latest published table, which is for 2025-26.

### How the worked examples and updates are done

The worked examples are computed in code, not by hand, and the live calculators use the same formulas and thresholds. [How Our Calculators Work](https://calculatax.com/methodology/) sets out the formulas and rounding. The [Editorial policy](https://calculatax.com/editorial-policy/) describes how pages are updated when rates change.

## Tax calculator questions: accuracy, privacy and which year to pick

### How accurate are the estimates?

The results are estimates based on the residency and inputs you enter. They leave out capital gains, business income, most deductions and offsets beyond LITO and SAPTO. Your notice of assessment from the ATO is the final figure. The [Disclaimer](https://calculatax.com/disclaimer/) sets out the limits.

### What happens to the numbers I enter?

They stay in your browser. The calculations run on your device, and nothing you type is stored or sent. The [Privacy Policy](https://calculatax.com/privacy/) and [Terms of Use](https://calculatax.com/terms/) give the full terms.

### Which income year should I choose?

Pick 2025-26 for income earned from 1 July 2025 to 30 June 2026. If you lodge your own 2025-26 return, it was due by 31 October 2026 (2 November because that date fell on a weekend). Lodging through a registered tax agent may give you longer. Pick 2026-27 for pay you receive between 1 July 2026 and 30 June 2027.

Unfamiliar terms are defined in the [Australian Tax Glossary (A to Z)](https://calculatax.com/glossary/). You can learn [About Calculatax](https://calculatax.com/about/) or [Contact Calculatax](https://calculatax.com/contact/) to report a figure that looks wrong. Rate and rule updates are in the [changelog](https://calculatax.com/changelog/).

## Sources

- [ATO: Tax rates, Australian residents](https://www.ato.gov.au/tax-rates-and-codes/tax-rates-australian-residents)
- [ATO: Personal income tax: new tax cuts for every Australian taxpayer](https://www.ato.gov.au/about-ato/new-legislation/in-detail/individuals/personal-income-tax-new-tax-cuts-for-every-australian-taxpayer)
- [ATO: Payday Super](https://www.ato.gov.au/businesses-and-organisations/super-for-employers/payday-super-how-to-manage-super-during-the-changeover)
- [ATO: Super guarantee](https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/super-guarantee)
- [ATO: Registering for GST](https://www.ato.gov.au/businesses-and-organisations/gst-excise-and-indirect-taxes/gst/registering-for-gst)