How much tax do I pay on $80,000 in Australia?

For 2024-25: about $14,788 income tax plus $1,600 Medicare levy totals about $16,388, leaving about $63,612 before any HECS repayment. Enter 80000 above to confirm.

What is the tax-free threshold?

$18,200. You pay no income tax on the first $18,200 of taxable income if you claim the threshold.

Does this include the Low Income Tax Offset (LITO)?

Yes, up to $700. It phases out by $66,667 of taxable income and reduces tax payable, not the Medicare levy.

Is super on top of my salary?

Usually yes. Tick "salary includes super" only if your package is quoted inclusive. Super Guarantee is 11.5% in 2024-25 and 12% from 1 July 2025.

What is the $1,000 instant tax deduction announced in the 2026-27 Budget?

A flat $1,000 deduction against work-related income, no receipts required, announced in the 2026-27 Federal Budget (handed down 12 May 2026) for 6.2 million workers from the 2026-27 income year. The average expected saving is about $205, at the 30% marginal rate, $1,000 off taxable income saves $300. Status: announced, not yet legislated. The calculator has an opt-in advanced toggle for FY 2026-27 so you can see the result with the deduction applied; the default leaves it off until Parliament passes the bill.

When does the next Stage 3 tax cut take effect?

Two more cuts are scheduled. The second-phase cut from 16¢ to 15¢ on the $18,201–$45,000 bracket is already legislated (Treasury Laws Amendment (More Cost of Living Relief) Act 2025) and takes effect 1 July 2026, so the 2026-27 option on the calculator already applies it. A third cut from 15¢ to 14¢ on the same bracket was announced in the 2026-27 Budget for 1 July 2027, taking the maximum saving versus 2024-25 settings to about $536 a year. The third-tranche bill has not passed, so the 2026-27 calculator only applies the legislated 15¢ rate.

What is the Working Australians Tax Offset (WATO)?

Announced in the 2026-27 Budget for the 2027-28 income year. A flat $250 non-refundable tax offset for every Australian worker (about 13 million people, 97% expected to receive the full $250). Stacked with LITO it lifts the effective tax-free threshold to about $24,985. Status: announced, not yet legislated. The calculator does not apply WATO and will not until the Bill bundling WATO + the 15→14 third-tranche cut receives Royal Assent.

Is negative gearing being limited from 1 July 2027?

Announced in the 2026-27 Budget, not yet legislated. From 1 July 2027 negative-gearing losses on established residential property bought after Budget night (12 May 2026) will only offset other property income; surplus losses carry forward but cannot reduce wages or salary. New-build investors keep full negative gearing. All property arrangements in place before Budget night are grandfathered. The investment-property calculator continues to apply the current law and will be updated once the change passes.

Calculator · FY 2025-26

Australian Income Tax & Take-Home Pay Calculator

Enter your salary to see PAYG income tax, Medicare levy, LITO, HELP/HECS repayments and your real take-home pay, for 2024-25, 2025-26 and the new 2026-27 Stage 3 rates.

Gross income (AUD) Your salary before tax, what's on your contract or PAYG summary e.g. $85,000 / year, $3,269 / fortnight, $1,635 / week

Income is

Financial year

I have a HELP/HECS debt Salary includes super

Show advanced options

Residency for tax Default: Australian resident Foreign / WHM have no tax-free threshold

Salary sacrifice into super (AUD / yr) Pre-tax voluntary super flows back into HECS & MLS income

Reportable fringe benefits (AUD / yr) Grossed-up amount from your PAYG summary e.g. novated lease RFBA, affects HECS & MLS

Bonus / one-off income (AUD / yr) Added to taxable income at marginal rate commission, leave payout, EOFY bonus

Side / second-job income (AUD / yr) No tax-free threshold on the second job's withholding at return time the combined total flows through the same scale

Dependent children (Family Medicare) For family MLS / Medicare thresholds 0 if not using the family toggle

Salary packaging, pre-tax personal expenses (AUD / yr) Health, education, charity, public benevolent institution PBI cap $15,900 · hospital/ambulance cap $9,010, don't enter if your RFB above already includes packaging

Salary-packaging cap Picks which FBT-free cap applies PBI = charities, NFP, religious; Hospital = public/non-profit hospital + ambulance

I have private hospital cover (suppresses MLS) Use Family Medicare / MLS thresholds

I'm a sole trader / ABN contractor (no employer super)

Apply the $1,000 instant tax deduction (FY 2026-27, announced, pending legislation)

Compare with the other financial year Use exact-day fortnight (× 14 / 365)

Reverse calc. I know my take-home, what's my gross?

Target annual take-home

Bisection solver using the same brackets, Medicare, LITO, MLS and HECS as the main calc, finds the headline annual salary that nets the target after all deductions.

Compare two salaries side-by-side

Scenario A, annual gross Scenario B, annual gross

Compares two gross salaries using the same year, residency, HECS toggle and advanced settings as the main form above. Shows net take-home, total tax, effective rate and the dollar/percent difference.

Concessional super, how much room do I have?

The concessional contributions cap is $30,000 for 2025-26. It rises in $2,500 steps as average wages rise, so 2026-27 is $32,500. For 2024-25 the cap was $27,500. The cap covers employer SG, salary sacrifice and personal deductible contributions combined.

Plan to contribute (AUD / yr)

Excludes carry-forward of unused cap (available if your total super balance was under $500,000 on 30 June 2025) and excess-contributions tax (47% effective above the cap). Division 293 (extra 15% when combined income + concessional contributions exceeds $250,000) is flagged when triggered.

Calculations run in your browser. Nothing is sent.

Sources applied

Resident tax brackets · ITAA 1997 s.4-10 · ATO QC 16218 (FY 2025-26 unchanged from FY 2024-25; FY 2026-27 applies the second-phase Stage 3 cut, 16¢ → 15¢ on the $18,201–$45,000 bracket, enacted by Treasury Laws Amendment (More Cost of Living Relief) Act 2025)
Medicare levy · Medicare Levy Act 1986 s.7 · 2% above the single threshold of $34,027; MLS and family/SAPTO thresholds not modelled
Low Income Tax Offset · ITAA 1936 s.159N · up to $700; phases out by $66,667 of taxable income
HELP / HECS repayment · ATO QC 16176 · 2025-26 marginal system ($0 below $67,000; 15% then 17%; 10% of total above $179,285)
Super Guarantee · SGAA 1992 · 11.5% in FY 2024-25, 12% from 1 July 2025
$1,000 instant tax deduction (FY 2026-27, opt-in toggle) · 2026-27 Federal Budget announcement (12 May 2026) · flat $1,000 off work-related income, no receipts; announced, not yet legislated

Verified against ato.gov.au

Australian resident tax brackets 2025-26 (and 2026-27)

Income tax rates for Australian residents for the 2025-26 financial year. The brackets are unchanged from 2024-25. From 1 July 2026 the second-phase Stage 3 cut applies, the $18,201–$45,000 bracket drops from 16¢ to 15¢ (Treasury Laws Amendment (More Cost of Living Relief) Act 2025, Royal Assent 3 July 2025). Select 2026-27 in the calculator above to see the lower rate. Figures below exclude the 2% Medicare levy.

Taxable income	Tax on this income
$0 – $18,200	Nil
$18,201 – $45,000	16c for each $1 over $18,200
$45,001 – $135,000	$4,288 + 30c for each $1 over $45,000
$135,001 – $190,000	$31,288 + 37c for each $1 over $135,000
$190,001 and over	$51,638 + 45c for each $1 over $190,000

Source: ATO: Tax rates for Australian residents. Foreign residents and working holiday makers are taxed on different scales (see the methodology page for both).

What this calculator doesn't include

The Medicare Levy Surcharge: If you don't have private hospital cover and you're a higher earner, the surcharge adds 1%, 1.25%, or 1.5% on top of the levy. For 2025-26 it starts at $101,000 of MLS income for a single person and $202,000 for a family. The income definition is broader than taxable income; it adds in reportable fringe benefits, investment losses, and reportable super contributions.
Division 293 tax: An extra 15% applies to your concessional super contributions if your combined income and contributions are above $250,000 a year. It hits high earners who salary-sacrifice heavily.
Adjustments to HECS repayment income: Your repayment income for HECS isn't the same as your taxable income. The ATO adds back reportable fringe benefits, net investment losses, and reportable super contributions. We use taxable income only, so this tool's HECS estimate is on the conservative side if any of those apply to you.
Working holiday and foreign resident rates: This tool uses the standard Australian resident scale. If you're on a 417 or 462 working-holiday visa, or you're a foreign resident for tax purposes, your rates are different. Check the ATO for the correct scale.
Smaller offsets and concessions: SAPTO (seniors and pensioners), the zone offset, the invalid-carer offset, and the dependent-invalid offset apply to specific groups only and aren't modelled here.

Frequently asked

How much tax do I pay on $80,000 in Australia?: For 2024-25: about $14,788 income tax plus $1,600 Medicare levy totals about $16,388, leaving about $63,612 before any HECS repayment. Enter 80000 above to confirm.
What is the tax-free threshold?: $18,200. You pay no income tax on the first $18,200 of taxable income if you claim the threshold.
Does this include the Low Income Tax Offset (LITO)?: Yes, up to $700. It phases out by $66,667 of taxable income and reduces tax payable, not the Medicare levy.
Is super on top of my salary?: Usually yes. Tick "salary includes super" only if your package is quoted inclusive. Super Guarantee is 11.5% in 2024-25 and 12% from 1 July 2025.
What is the $1,000 instant tax deduction announced in the 2026-27 Budget?: A flat $1,000 deduction against work-related income, no receipts required, announced in the 2026-27 Federal Budget (handed down 12 May 2026) for 6.2 million workers from the 2026-27 income year. The average expected saving is about $205, at the 30% marginal rate, $1,000 off taxable income saves $300. Status: announced, not yet legislated. The calculator has an opt-in advanced toggle for FY 2026-27 so you can see the result with the deduction applied; the default leaves it off until Parliament passes the bill.
When does the next Stage 3 tax cut take effect?: Two more cuts are scheduled. The second-phase cut from 16¢ to 15¢ on the $18,201–$45,000 bracket is already legislated (Treasury Laws Amendment (More Cost of Living Relief) Act 2025) and takes effect 1 July 2026, so the 2026-27 option on the calculator already applies it. A third cut from 15¢ to 14¢ on the same bracket was announced in the 2026-27 Budget for 1 July 2027, taking the maximum saving versus 2024-25 settings to about $536 a year. The third-tranche bill has not passed, so the 2026-27 calculator only applies the legislated 15¢ rate.
What is the Working Australians Tax Offset (WATO)?: Announced in the 2026-27 Budget for the 2027-28 income year. A flat $250 non-refundable tax offset for every Australian worker (about 13 million people, 97% expected to receive the full $250). Stacked with LITO it lifts the effective tax-free threshold to about $24,985. Status: announced, not yet legislated. The calculator does not apply WATO and will not until the Bill bundling WATO + the 15→14 third-tranche cut receives Royal Assent.
Is negative gearing being limited from 1 July 2027?: Announced in the 2026-27 Budget, not yet legislated. From 1 July 2027 negative-gearing losses on established residential property bought after Budget night (12 May 2026) will only offset other property income; surplus losses carry forward but cannot reduce wages or salary. New-build investors keep full negative gearing. All property arrangements in place before Budget night are grandfathered. The investment-property calculator continues to apply the current law and will be updated once the change passes.

Australian Income Tax & Take-Home Pay Calculator

Scenario A

Scenario B

Cap headroom

If you contribute

Australian resident tax brackets 2025-26 (and 2026-27)

What this calculator doesn't include

Frequently asked

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