See exactly what lands in your account each payday under the 2026–27 tax rates.
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From 1 July 2026 the tax-free threshold is $18,200, then 15% to $45,000, 30% to $135,000, 37% to $190,000 and 45% above. Most people also pay the 2% Medicare levy, and low earners get the low income tax offset of up to $700.
If you have a HECS-HELP debt, a compulsory repayment is withheld at 15c per dollar above $69,528. Your employer pays 12% super on top of your salary, unless your package includes it.
| Salary | 90,000 $ |
| Salary is per | Year |
| Hours a week (hourly pay) | 38 hours |
| Salary includes super? | No — super is on top |
| Salary sacrifice to super (a year) | 0 $ |
| HECS-HELP debt? | Yes |
| Australian resident for tax? | Yes |
| Medicare levy exemption? | No |
| Take-home pay a fortnight | $2,600.35 |
| Take-home a month | $5,634.10 |
| Take-home a year | $67,609 |
| Income tax | $17,520 |
| Medicare levy | $1,800 |
| HELP repayment | $3,071 |
| Employer super (12%) | $10,800 a year |
| Marginal tax rate | 32% (incl. Medicare) |
$2,600.35 a fortnight.
| Salary | 65,000 $ |
| Salary is per | Year |
| Hours a week (hourly pay) | 38 hours |
| Salary includes super? | No — super is on top |
| Salary sacrifice to super (a year) | 0 $ |
| HECS-HELP debt? | No |
| Australian resident for tax? | Yes |
| Medicare levy exemption? | No |
| Take-home pay a fortnight | $2,065.58 |
| Take-home a month | $4,475.42 |
| Take-home a year | $53,705 |
| Income tax | $9,995 (after $25 low income tax offset) |
| Medicare levy | $1,300 |
| Employer super (12%) | $7,800 a year |
| Marginal tax rate | 33.5% (incl. Medicare) |
$2,065.58 a fortnight.
Nil to $18,200, 15% to $45,000, 30% to $135,000, 37% to $190,000 and 45% above, for residents. The 15% rate falls to 14% from 1 July 2027.
$20,520 income tax plus a $2,000 Medicare levy in 2026–27, leaving $77,480 a year or about $2,980 a fortnight.
Usually not — 12% super is paid on top. If your offer says "package" or "including super", the salary part is the total ÷ 1.12.
An extra 1–1.5% for people without private hospital cover earning over about $105,000 (single). It is not included here.