Income Tax Calculator - Australia
Estimate your income tax, Medicare levy and refund position for the year, and see exactly which bracket each dollar falls into. Australia taxes income in slices - moving into a higher bracket only ever taxes the dollars above that threshold, never your whole income.
Your details
Rates and thresholds change every 1 July.
From your payment summary. Leave at zero to see the tax bill alone.
| Assessable income | $95,000 |
| Less deductions | — |
| Taxable income | $95,000 |
| Income tax on taxable income | $19,020 |
| Low income tax offset | — |
| Medicare levy | $1,900 |
| Total tax and levy | $20,920 |
| Tax already withheld | $0 |
| Effective tax rate | 22.0% |
| Marginal rate | 32.0% |
| Bracket | Rate | Income taxed here | Tax |
|---|---|---|---|
| $0 – $18,200 | 0% | $18,200 | $0 |
| $18,200 – $45,000 | 15% | $26,800 | $4,020 |
| $45,000 – $135,000 | 30% | $50,000 | $15,000 |
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Frequently asked questions
Does earning more ever leave me worse off?
No. Only the dollars above a threshold are taxed at the higher rate, so an extra dollar of income never reduces your take-home pay. The bracket table shows this directly. The one place a genuine cliff exists is the Medicare levy surcharge, where crossing a threshold applies the surcharge to your whole income.
What is the difference between my marginal and effective rate?
The marginal rate is what the next dollar is taxed at; the effective rate is total tax divided by taxable income. On $100,000 in 2026-27 the marginal rate is 32% including Medicare, while the effective rate is about 22.5% - the gap is the tax-free threshold and lower brackets underneath.
General advice warning: This calculator provides general information only. It does not take into account your objectives, financial situation or needs, and it is not personal credit or financial advice.
Results are estimates based on the inputs and assumptions shown. Any interest rate used is an example and is not an offer of credit. Speak to a licensed credit representative before acting on these figures.