Australian calculators — income tax, pay, super, HECS-HELP, CGT, negative gearing, GST
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These calculators use the 2026–27 figures published by the Australian Taxation Office: the resident rate scale with the 15% rate on income between $18,200 and $45,000, the 2% Medicare levy and the 2026–27 surcharge tiers, the $32,500 concessional and $130,000 non-concessional super caps, the 12% super guarantee, the $69,528 HELP repayment threshold with marginal rates, and the 50% CGT discount. Each page shows the date its figures were checked and links to the ATO page they come from.
They cover federal tax only — state stamp duty, land tax and payroll tax vary by state and are not modelled — and they estimate rather than file: offsets, levies and thresholds beyond those modelled are noted on each page. Nothing here is tax advice.
Your 2026–27 Australian income tax: bracket-by-bracket tax with the new 15% rate, LITO, Medicare levy and surcharge, HECS-HELP at marginal rates, marginal and effective rate, take-home per fortnight and a refund estimate — ATO figures confirmed.
For 2026–27 Australian residents pay nil on the first $18,200, 15% to $45,000 (down from 16%), 30% to $135,000, 37% to $190,000 and 45% above, plus the 2% Medicare levy — $19,320 on $90,000, about 21.5%. The low income tax offset (up to $700) removes tax on incomes under about $22,575, the Medicare levy surcharge adds 1–1.5% above $105,000 without hospital cover, and HECS-HELP repayments start at $69,528 at marginal rates.
Australian take-home pay for 2026–27 from an annual, monthly, fortnightly, weekly or hourly salary — super included or on top, salary sacrifice, HECS-HELP, tax-free threshold and Medicare levy surcharge — per fortnight, month and week with hourly rates.
Australian take-home pay in 2026–27 is salary less income tax (15/30/37/45% above $18,200, less LITO), the 2% Medicare levy and any HECS-HELP repayment; employer super of 12% is paid on top unless the package includes it. An $85,000 salary nets about $67,280 a year or $2,588 a fortnight ($2,498 with a HECS debt) plus $10,200 of super. Salary sacrifice to super is taxed at 15% instead of your marginal rate within the $32,500 concessional cap.
Super guarantee at 12%, the salary-sacrifice tax saving, the $32,500 concessional cap with carry-forward, Division 293, net contributions and your projected balance at retirement with and without sacrifice — 2026–27 ATO figures.
Employers pay 12% super guarantee on ordinary time earnings in 2026–27; concessional contributions (SG plus salary sacrifice or personal deductible contributions) are taxed at 15% in the fund — 30% on the slice above $250,000 of income — up to $32,500 a year plus up to five years of unused cap if your balance is under $500,000. Non-concessional contributions are capped at $130,000 (or $390,000 with the bring-forward), and the transfer balance cap for tax-free pension phase is $2 million.
Your 2026–27 HECS-HELP repayment under the marginal system (15% over $69,528, 17% over $129,717), fortnightly withholding, indexation, years to repay, total repaid, voluntary repayments and whether paying early beats your mortgage.
HECS-HELP repayments in 2026–27 are nil up to $69,528 of repayment income, 15% of income above that to $129,717, 17% of income above that to $186,050, and 10% of total income beyond — $2,321 on $85,000, withheld at about $89 a fortnight. The debt carries no interest, only annual indexation on 1 June at the lower of CPI and wage growth, so voluntary repayments rarely beat a mortgage offset.
Australian CGT on property, shares or crypto: cost base, gross gain, main-residence exemption, losses, the 50% discount, the net gain stacked on your income, tax including Medicare levy, the no-discount comparison and timing ideas.
Australia has no separate CGT rate: the net capital gain — sale price less cost base, less capital losses, then halved by the 50% discount if the asset was held over 12 months — is added to your income and taxed at your marginal rate plus the 2% Medicare levy. A $205,000 gain for someone on $95,000 becomes $102,500 of taxable income and about $37,800 of tax. Your main residence is exempt, including up to six years of absence.
Negative gearing on an Australian investment property: rent, interest, expenses and depreciation, the taxable loss and refund at marginal rates, pre- and after-tax cash flow per week, yields, break-even growth and a 10-year projection with CGT.
Negative gearing means a rental property's deductible costs — interest, rates, insurance, management, repairs and depreciation (2.5% of building cost plus plant) — exceed rent, and the loss reduces your taxable income; at a 32–47% marginal rate including Medicare you get that share back at tax time. The strategy relies on capital growth, taxed at half rates on sale after 12 months, exceeding the after-tax holding cost, which on a $750,000 unit with a $600,000 loan is typically $100–150 a week.
Would you pay the Medicare levy surcharge in 2026–27? Your tier and rate (1%–1.5%), the surcharge versus basic hospital cover, break-even income, the private health insurance rebate and Lifetime Health Cover loading.
The Medicare levy surcharge is 1%, 1.25% or 1.5% of income for singles earning over $105,000 / $123,000 / $164,000 (families $210,000 / $246,000 / $328,000, plus $1,500 per child after the first) in 2026–27 who do not hold private hospital cover. At $125,000 it is $1,563 — more than a basic hospital policy — which is why cover becomes worthwhile around $115,000–140,000; Lifetime Health Cover adds 2% a year to premiums for each year over 30 before you first take cover.
First Home Super Saver: contributions, 15% contributions tax, deemed earnings, releasable amount, withdrawal tax after the 30% offset, net deposit versus saving the same salary after tax, and the deposit as a share of your target home.
The First Home Super Saver scheme lets first home buyers salary-sacrifice up to $15,000 a year ($50,000 in total per person) into super, taxed at 15% instead of their marginal rate, then release it with deemed earnings for a deposit, taxed at the marginal rate less a 30% offset. For someone on $95,000 three years of $15,000 contributions yields about $43,000 of deposit versus about $32,500 saving the same salary after tax; a couple can release up to $100,000 plus earnings.
Novated lease vs buying: GST saving, ATO residual, annual lease cost, the EV FBT exemption or employee-contribution method, income tax saved at your marginal rate, net monthly cost and the advantage over an after-tax car loan.
A novated lease pays a car's finance and running costs from salary through your employer; for battery electric vehicles under the luxury car tax threshold the whole cost is FBT-exempt and comes from pre-tax pay, with the employer reclaiming GST, so a $65,000 EV costs a 32%-rate earner about $1,000 a month net — roughly $7,000 a year less than buying with an after-tax loan. Petrol cars incur FBT on 20% of the price, usually offset with post-tax contributions, which shrinks the saving.
Add or extract 10% GST from any amount, with a quarterly BAS estimate (GST on sales less input credits) and a check against the $75,000 registration threshold.
Australian GST is 10%: multiply a GST-exclusive price by 1.1 to add it, or divide a GST-inclusive price by 11 to find the GST inside. Businesses must register once turnover reaches $75,000 ($150,000 for non-profits; immediately for ride-share drivers) and report GST collected less input credits on a BAS, usually quarterly. Basic food, health, education and exports are GST-free; residential rent and financial supplies are input-taxed.
Not tax or legal advice.
These calculators give estimates from published rules. Each page states its assumptions and the date its figures were last checked. Confirm with a qualified professional before relying on a figure for a real transaction.
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