How our calculators work

What the pay calculator works out

It turns your pay into an annual figure, then works out the tax for the year in this order:

1. Super. If your pay includes super, it is split out first at the 12% super guarantee rate. Otherwise super is shown on top of your pay.
2. Income tax on your taxable income, using the resident, non-resident or working holiday rates.
3. The Low Income Tax Offset (LITO), for residents claiming the tax-free threshold.
4. The Medicare levy, plus the Medicare levy surcharge if you say you have no private hospital cover.
5. Compulsory HELP repayments, if you say you have a HELP debt.

Take-home pay is taxable income minus those amounts. Weekly, fortnightly and monthly figures divide the annual result by 52, 26 and 12.

Rates used for 2026-27

The full rate tables, including foreign resident and working holiday rates, are on the tax brackets page.

• Medicare levy: 2% of taxable income. No levy is paid below $28,011, and up to $35,013 it phases in at 10c per dollar over the lower threshold. The ATO has not yet published the 2026-27 low-income thresholds, so these are the latest published (2025-26) figures.
• Medicare levy surcharge (singles, no private hospital cover): 1% from $105,001, 1.25% from $123,001, 1.5% from $164,001.
• LITO: up to $700 for taxable income up to $37,500, reducing to nil at $66,667.
• HELP: no repayment up to $69,528 of repayment income. Above that, 15c per dollar, rising to 17c above $129,717, and 10% of total repayment income from $186,051.
• Super guarantee: 12% of ordinary time earnings.

These figures come from ATO and Treasury publications. They are checked each 1 July, and again whenever the ATO announces a change.

What the results leave out

• Your employer's PAYG withholding, in the pay calculator. Employers use the ATO withholding formulas, which round each pay period, so your payslip can differ by a few dollars from our figures. The tax withheld calculator applies those formulas (ATO Schedules 1 and 8) and matches the ATO's published sample data.
• Deductions, other income, and offsets other than LITO, such as the seniors and pensioners tax offset.
• Family thresholds for the Medicare levy and the surcharge. The calculator uses the singles thresholds.
• Salary packaging, fringe benefits and reportable super, except in calculators that ask for them.

Your data

Every calculation runs in your browser. The numbers you enter are not sent to us or stored anywhere.

Who checks the figures

James Crawford builds the calculators and reviews the rates each year. If a result looks wrong, email hello@aussiepaycalc.com.au with the calculator and the numbers you entered. You can read more about Aussie Pay Calc.