OneFreePlace • Business Tools

Tool #574 • 2026–27 resident tax rules

Australia Net Salary Calculator

Model take-home pay with resident income tax, LITO, Medicare levy, Medicare levy surcharge, HELP/STSL repayments and employer super — then compare offers or solve backwards from a target net income.

Income

Input mode

Annual salary / package (A$)

Bonus / commission (A$)

Taxable cash allowances (A$)

Package mode assumes the entered base package equals cash base salary + employer super at the SG rate entered below on that base. Bonuses and allowances are treated as extra cash.

Deductions & super

Salary-sacrifice super (A$)Reduces taxable cash salary in this estimate; included in HELP repayment income.

Work-related deductions (A$)

Other deductible amounts (A$)

Post-tax payroll deductions (A$)

Employer super assumptions

Employer SG rate (%)

SG-eligible earnings override (A$)0 = use modeled cash earnings. Employer super does not reduce take-home unless the base package is entered inclusive of super.

Medicare

Medicare levy status

Low-income reduction basis

Dependent children / students

Spouse taxable income for Medicare reduction (A$)For couples, family taxable income is your taxable income + your spouse's taxable income. Leave 0 for a sole parent.

Other non-refundable tax offsets (A$)

Private hospital cover & MLS

Appropriate private hospital cover for the full year

MLS household type

MLS dependent children

Reportable fringe benefits (A$)

Partner income for MLS purposes (A$)Use the partner's full income for MLS purposes, not just salary.

Net investment losses (A$)

MLS income testing includes taxable income, reportable fringe benefits, net investment losses and reportable super contributions. Salary-sacrifice super entered above is added back automatically.

HELP / study loan

I have a HELP / STSL debt

Other reportable super contributions (A$)Exclude salary sacrifice already entered above.

Exempt foreign employment income (A$)

Offer & reverse planning

Alternative annual salary (A$)

Target monthly take-home (A$)

Snapshots

Annual take-home—

Monthly take-home—

Total tax + levies—

Employer super—

Paycheck map

Annual breakdown

Rates & diagnostics

2026–27 tax-cut comparison

Same modeled taxable income, comparing the 2025–26 16% first marginal rate with the 2026–27 15% rate. Other settings are held constant.

2025–26 resident income tax before Medicare/HELP—

2026–27 resident income tax before Medicare/HELP—annual income-tax saving

Alternative offer comparison

Current modeled take-home—

Alternative salary take-home—

Rule set used

2026–27 Australian resident income tax: 0%, 15%, 30%, 37%, 45% bands.
LITO: up to A$700, phased out by A$66,667.
Medicare levy: 2% with 2026–27 individual low-income shade-in plus family-income reduction logic; standard individual lower threshold A$28,011 and family base threshold A$47,238.
MLS 2026–27: 0%, 1%, 1.25%, 1.5%; income test includes reportable super and other add-backs; single base threshold A$105,000, family base A$210,000.
HELP/STSL 2026–27: marginal repayment starts above A$69,528; second threshold A$129,717; maximum 10% of repayment income.
Super Guarantee: 12% for 1 July 2026–30 June 2027.

This estimates annual tax liability for an Australian resident employee. PAYG withholding, tax codes, residency edge cases, SAPTO, spouse/dependant rules, partial-year insurance, reportable benefits and super eligibility can change actual results.