Australian tax calculators that show the working.
13 tools. Each one names the ATO rule or state Act it uses and the financial year it covers. Calculations run in your browser. Nothing stored, nothing sent.
ATO brackets, FY 2026-27
State Duties Acts, all 8
HELP/HECS marginal system
The tools
- 01 Income tax & take-home payPAYG · Medicare levy · LITO · HELP/HECS · super. FY 2024-25 to 2026-27
- 02 HECS / HELP repaymentCompulsory study loan repayment + 2025-26 marginal system · payoff estimate
- 03 GST calculatorAdd 10% GST or remove from a total (÷ 11)
- 04 Stamp duty calculatorTransfer duty + first-home concessions · all 8 states & territories · 2026-27
- 05 Superannuation forecasterYear-by-year projection · 12% SG · 15% contributions tax · ASFA Comfortable target
- 06 Capital gains tax calculator50% CGT discount · loss offset · marginal tax on the discounted gain
- 07 Investment property & negative gearingRent vs interest + costs + Div 43 capital works · 10-year cashflow
- 08 Novated lease calculatorStatutory-formula FBT · EV exemption check · take-home pay impact
- 09 Termination pay calculatorNES notice + redundancy weeks · ATO Schedule 7 leave tax · Schedule 11 ETP
- 10 Salary comparisonTwo gross salaries side-by-side · take-home, tax, Medicare, HECS · dollar / percent difference
- 11 Work-from-home deductionATO fixed-rate method · 70c/hr for 2024-25 & 2025-26 · tax refund at marginal rate
- 12 Sole trader / ABN taxNet business profit · 16% SBITO (max $1,000) · GST $75k check · quarterly PAYG estimate
- 13 Car expense deduction (sole trader)Cents-per-km 88c · logbook method · car loan interest & depreciation · $69,674 car limit
Quick after-tax answers
Common salary points, pre-computed for FY 2025-26. Each page has the full breakdown + bracket commentary + HECS impact.
- $60k $60,000 after tax = $50,380Below HECS threshold · No MLS · 30¢ bracket
- $70k $70,000 after tax = $57,080HECS $450/yr · No MLS · 30¢ bracket
- $80k $80,000 after tax = $63,612Median full-time wage · 30¢ bracket · HECS $1,950/yr
- $90k $90,000 after tax = $70,680HECS $3,450/yr · No MLS · 30¢ bracket
- $100k $100,000 after tax = $77,212Six-figure mark · $1k below MLS · HECS $4,950/yr
- $110k $110,000 after tax = $84,280HECS $6,450/yr · Tier 1 MLS at 1% · 30¢ bracket
- $120k $120,000 after tax = $90,812$15k from 37¢ bracket · Tier 2 MLS at 1.25% · HECS $7,950/yr
- $130k $130,000 after tax = $97,880HECS $9,550/yr · Tier 2 MLS at 1.25% · $5k from 37¢
- $150k $150,000 after tax = $110,16237¢ bracket · Tier 2 MLS at 1.25% · HECS $12,950/yr
- $160k $160,000 after tax = $116,530HECS $14,650/yr · Tier 3 MLS at 1.5% · 37¢ bracket
- $200k $200,000 after tax = $139,862Top 45¢ bracket · Tier 3 MLS at 1.5% · HECS flat 10%
What’s changing for 2026‑27 (from 1 July 2026)
- 16c → 15c bracket cut Law
- The 16% rate on $18,201–$45,000 drops to 15% automatically through payroll from 1 July. Everyone earning $45k+ saves exactly $268/year ($5.16/week) — no action needed. A further cut to 14% follows in 2027‑28. Source: ATO QC104015.
- $1,000 standard deduction Draft legislation
- Proposed from 1 July 2026: claim a flat $1,000 for work-related expenses at tax time without receipts, or claim actual costs — whichever is higher. Worth ~$300/year at the 30c rate. Draft bill released 20 April 2026; not yet law. If your actual deductions exceed $1,000, keep receipts and claim the higher amount. Source: ATO draft legislation page.
By occupation
What you can and can’t claim at tax time, sourced inline from the relevant ATO occupation guide. Worked dollar examples and the denied-claims list that nobody else publishes.
How the numbers are checked
- Primary sources only. Every rate comes from an ATO or state revenue office page, not a third-party calculator. The date that source was last checked is recorded.
- Section numbers shown inline. Next to each result you see exactly which Act or ruling produced it. For example
ITAA 1997 s.4-10orDuties Act 2000 (Vic) s.57JA. - Re-verified every financial year. Plus after any mid-year legislative change. Full procedure on the methodology page.
Verified against
ATO & state revenue offices