Estimate Australian income tax and take-home pay.

Model annual resident income tax, Medicare levy, optional HELP/STSL, and annualised take-home pay from assumptions you can review.

2025-26default

Medicareincluded

No PAYGwithholding

Income tax calculator

Enter income assumptions

Estimate only

Enter annual income assumptions for a resident individual estimate. Take-home values are annualised equivalents, not employer PAYG withholding, refund, or final assessment amounts.

Annual income assumptions

Start with taxable salary or wages. If a quoted package includes employer super, switch the treatment so the estimate removes employer super before calculating income tax.

Employment incomeAnnual taxable salary or wages before tax, excluding employer super.

Super treatment

Other taxable incomeAggregate other taxable income assumption.DeductionsUser-entered deduction assumption. Eligibility and records are not checked.

Taxable salary used$95,000

Employer super is not included in taxable employment income. If your quoted amount is a total package including super, switch the super treatment above.

Income year and display

Income yearHighlighted take-home

Medicare and HELP/STSL

Medicare defaults to the standard 2% levy for a broad annual estimate. You can switch to the single/no dependants threshold mode when you want the low-income Medicare shade-in treatment. Family thresholds, SAPTO, exemptions, and Medicare levy surcharge are not modelled.

Medicare levy treatmentApplies the standard 2% Medicare levy to taxable income. This is the clearest default for broad annual estimates.

Study or training loanInclude HELP/STSL estimate

If included, PropGain uses the source-reviewed repayment-income treatment for the selected year.

Tax and take-home result

Ready for an annual estimate.

Results will show taxable income, estimated tax payable, take-home pay equivalents, bracket breakdown, Medicare and HELP/STSL treatment, warnings, assumptions, exclusions, and official source references.

Sources & method

What this estimate includes.

Uses source-reviewed Australian resident individual tax rates, LITO, limited Medicare levy treatment, and optional HELP/STSL treatment for the selected income year.

Monthly, fortnightly, and weekly take-home values are annualised equivalents. Detailed PAYG withholding tables, payroll rounding, employer setup, refunds, and final assessments are not calculated.

Excludes Medicare levy surcharge, family/dependant Medicare tests, SAPTO, non-resident and working holiday maker rules, salary packaging, reportable super, fringe benefits, business income, and other offsets.

Review ATO tax tables