Tax Calculator
Estimate Australian income tax for 2026–27 using current resident brackets, LITO and the Medicare levy phase-in for a single taxpayer with no dependants.
This is not take-home pay: taxable income can differ from gross cash salary when deductions or salary sacrifice apply.
Effective tax rate
20.8%
Income tax plus Medicare levy
Marginal income-tax rate
30%
Applied only to your highest bracket
Tax bracket breakdown
| Bracket | Rate | Income here | Tax |
|---|---|---|---|
| $0–$18,200 | 0% | $18,200 | $0 |
| $18,201–$45,000 | 15% | $26,800 | $4,020 |
| $45,001–$135,000 | 30% | $40,000 | $12,000 |
Uses 2026–27 Australian resident tax brackets and the Medicare levy estimate for a single taxpayer with no dependants. Includes the Low Income Tax Offset. Excludes HELP/HECS, other offsets, family and SAPTO thresholds, exemptions and the Medicare levy surcharge.
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How this calculator works
This calculator applies the 2026–27 Australian resident income tax brackets and Low Income Tax Offset to your taxable income, then estimates the Medicare levy for a single taxpayer with no dependants. Enter annual taxable income to see estimated tax payable and the amount remaining from that taxable-income figure after the modelled tax.
Uses 2026–27 settings. Last reviewed 30/09/2026; the applicable official references are listed below.
What this 2026–27 Australian tax estimate includes
The calculator applies the Australian resident individual income-tax brackets for 2026–27, the low income tax offset where eligible, and a Medicare levy estimate for a single taxpayer with no dependants.
The result is an estimate of annual tax, not a tax return calculation. Deductions, other offsets, private health circumstances, family or SAPTO Medicare thresholds, exemptions and other personal factors can change the amount you finally owe or receive back.
- Annual income-tax estimate using the current resident brackets
- Low income tax offset included where applicable
- Taxable income remaining after the modelled tax (not take-home pay)
- Effective tax rate so you can see tax as a share of income
Why your PAYG withholding can be different
Employers withhold PAYG during the year using ATO withholding schedules and payroll rounding. Your final income-tax position is worked out when you lodge your return, so the amount withheld from payslips can be higher or lower than this annual estimate.
A withholding variation, multiple jobs or a choice about claiming the tax-free threshold can change the amount withheld during the year without changing the annual bracket calculation shown here. Use the ATO's current withholding material when checking a specific payslip.
Related Australian guides
Official sources and assumptions
Check the official or authoritative references used to review this calculator's rates, formulas and assumptions.
Frequently asked questions
Which tax year does this use?
The 2026–27 Australian financial year resident rates, stored in a single central configuration file that is reviewed each year.
Does it include the Medicare levy?
It models the single-person low-income phase-in and the full 2% rate. Family and SAPTO thresholds, exemptions and the Medicare levy surcharge are not modelled.
Are tax offsets included?
The Low Income Tax Offset is included where available. Other offsets, including SAPTO, are not modelled.
Content responsibility
Maintained by CalcAussie and last updated 30 September 2026. Checks applied: calculation method, worked examples, Australian terminology, material assumptions, official references where an external rule applies, and user-facing limitations.
Calculator results remain estimates based on the figures entered. Check material decisions against current official information and report a suspected error so it can be reproduced and corrected.
Results are estimates only and are not financial, tax, legal or credit advice.
Rates and thresholds are configured for the 2026–27 Australian financial year and should be reviewed when government settings change.