About this calculator
It applies the 2026-27 rates (incl. the new 15% low bracket from 1 July 2026) for resident / non-resident / working-holiday rates, plus Medicare Levy, MLS and HELP repayments, to estimate your take-home pay and effective tax rate. Your effective rate is lower than your top bracket because earlier income is taxed less, or not at all.
Frequently asked
Why is my effective rate below my tax bracket?
Australia taxes income in bands — the first $18,200 is tax-free, then rates step up. Your 'marginal rate' only applies to the top slice, so the overall effective rate is lower.
Does having no private health cover cost me more?
If you're a higher earner with no eligible hospital cover, you pay the Medicare Levy Surcharge (1%–1.5%). Basic hospital cover is often cheaper than the surcharge.