🇦🇺 Australia Salary & Income Tax Calculator FY2025‑2026

Australian federal income tax (Stage 3 cuts), Medicare levy & surcharge (single/family thresholds), superannuation guarantee 12%, concessional cap, take‑home pay & employer total cost.

⚠️ Important note: This calculator simulates ATO rules for financial year 2025‑2026. Estimate only, not official ATO calculation, cannot replace tax agent advice. Financial year runs 1 July – 30 June.
📑 Reference & Limitations FY2025‑2026:
  • LAW Federal income tax rates (Resident / Non‑Resident) incl. Stage 3 tax cuts
  • LAW Medicare levy 2% with low income thresholds (FY25-26 estimated)
  • LAW Medicare Surcharge tiers (no private health insurance) — family thresholds ×2
  • LAW Superannuation Guarantee (SG) 12% (FY2025‑2026 statutory rate)
  • NOTE Concessional super contributions cap: $30,000 (FY25-26 est.)
  • NOTE No state‑level income tax in Australia
  • NOTE Does not include: HELP‑HECS debt, fringe benefits FBT, capital gains, tax offsets, zone offsets, salary‑sacrifice advanced rules.

Input Parameters

AUD
Example: 95000 AUD/year ≈ 1827 AUD/week
Family thresholds for Medicare Levy and Surcharge are 2× the single thresholds. Dependant children add extra thresholds.
Medicare Surcharge applies for high‑income residents without private hospital cover.
Used for Medicare levy reduction calculation (low income thresholds increase with dependants).
%
Voluntary salary‑sacrifice from gross salary; separate from employer mandatory SG 12%.
✅ Statutory SG rate FY2025‑2026 = 12% (increased from 11.5% in FY2024‑25)

Deduction Breakdown

Deduction share visual

💼 Employer total cost

⚠️ All values are FY2025‑2026 estimates. Excludes HECS‑HELP, fringe benefits, tax offsets, capital gains. For official figures please refer to ATO or registered tax agent.

Scope & Exclusions