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Income tax & take-home pay calculator

See how much of your salary you actually keep, after income tax, the Medicare levy, the Medicare Levy Surcharge, and HECS/HELP repayments.

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Financial year
$
Family status
Show breakdown as

Take-home pay

$67,012

Full breakdown

Gross income$85,000
Income tax (after LITO)-$16,288
Medicare levy-$1,700
Net (take-home) pay$67,012
Employer super contribution (on top, not taxed as income)$10,200
  1. 1

    Applied income tax brackets

    Marginal tax brackets applied to $85,000 taxable income (FY2025-26 resident rates).

    $16,288.00

  2. 2

    Applied Low Income Tax Offset

    No LITO applies — income is above the phase-out threshold of $66,667.

    $0.00

  3. 3

    Added Medicare levy

    Medicare levy of $1700.00 applied (2% standard rate, with low-income phase-in below $34,027).

    $1,700.00

  4. 4

    Applied Medicare Levy Surcharge

    No MLS — income of $85,000 is at or below the Tier 0 threshold of $101,000.

    $0.00

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Assumptions

  • Assumes Australian tax residency for the full financial year (FY2025-26 rates).
  • Income for MLS and HECS/HELP purposes adds back reportable fringe benefits, reportable super contributions, net investment losses, and exempt foreign employment income to taxable income — pass these as inputs if they apply; they default to $0.
  • The $1,000 instant work-related deduction and Working Australians Tax Offset are not applied — both only take effect from FY2026-27 and FY2027-28 respectively.

Note

These figures are estimates only, based on the assumptions above. They do not constitute financial, tax, or accounting advice. Please consult a registered tax agent or accountant before making any decisions. We accept no liability for any loss arising from reliance on this calculator.