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Income & tax · 2025–26

Australian pay & tax calculator

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ATO 2025–26 rates SG 12% Updated July 2025 No signup required
Tax year
Annual salary
$
Super:
Employer super
Cap:
$11,400 / $30k 38%
Super: $11,400
Your situation — tick all that apply
$22,267
Income tax
$1,900
Medicare
$5,225
HECS
25.4%
Effective rate
32.5%
Marginal rate
⚡
Salary sacrifice
Reduce taxable income · save tax
Optional ⌄
$
Weekly · Monthly · Annual
$
Weekly · Monthly · Annual
+
Bonus, overtime & allowances
Additional taxable & exempt income
Optional ⌄
$
$
$/yr
Select an allowance type
📋
HECS / HELP paydown tracker
Year-by-year debt projection
Active ⌄
I have a HECS / HELP debt
$
% p.a.
2024: 4.7% · 2023: 7.1% · avg ~3.2%
2034
Debt-free year
9 yrs
Years remaining
$5,225
This year's repayment
$32,400
Total repaid (incl. indexation)
Balance
Repayment
Indexation
⏱
Hourly rate & pro-rata / part-time
Convert between hourly, annual & part-time
Optional ⌄
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Pay rise calculator
How much extra do you actually keep?
New ⌄
$
Estimates only. Not financial or tax advice. Based on ATO 2025–26 rates, standard resident settings. Verify with the ATO or a registered tax agent. Australian Life Costs is not a licensed financial adviser.
Take-home pay
$1,375
per week · after tax & HECS
Income ranking
Top 25%
More than 75% of Australians
Gross income$95,000
Income tax−$22,267
Medicare levy−$1,900
HECS / HELP−$5,225
Employer super (12%)$11,400
Concessional cap 2025–26 $11,400 / $30,000
Employer SG only 38% used
25.4%
Effective rate
32.5%
Marginal rate
$700
LITO applied
$11,400
Total concessional super
$65,608
Annual take-home
$1,262
Weekly take-home
ATO Income Tax Rates 2025–26 · ATO Medicare Levy · Study Assist HECS-HELP thresholds · ATO SG 12% · ABS income distribution 2024. ATO source ↗
$88,920
Annual equivalent
$1,262
Weekly take-home
$33.21
Hourly after tax
$252
Daily take-home
Hourly calculations assume 52 paid weeks.
Extra take-home from your pay rise
+$64/wk
+$3,325/yr in your pocket · $1,675 to tax
Current
$95,000 gross
$65,608/yr
After raise
$100,000 gross
$68,933/yr
Bracket by bracket
You keep 66.5%
Take-home33.5% to tax
A pay rise can never make you worse off. Australia uses a marginal rate system — only income above each threshold is taxed at the higher rate.
Sacrifice the raise into super instead?
Sacrificing your raise saves extra tax at your marginal rate minus 15% super tax.
ATO Income Tax Rates 2025–26. Marginal rate system.
General information only — not financial advice. This calculator produces estimates only. Australian Life Costs does not hold an Australian Financial Services Licence (AFSL) and is not authorised to provide personal financial advice. Before making financial decisions consult a licensed adviser. Find a licensed adviser via ASIC MoneySmart →
Last updated: July 2025 · Sources: ATO, APRA, ASFA