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Australia Income Tax Calculator (2025)

Estimate Australian resident income tax in AUD with the A$18,200 tax-free threshold, plus effective and marginal rate. The 2% Medicare levy is not included.

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Tax
$5,788
Take-home
$44,212
Effective rate
11.58%
Marginal rate
30%

Based on illustrative Australia brackets for 2025. For estimation only — not tax advice.

How it works

The Australia edition of the income-tax estimator. It applies resident individual income-tax rates to the annual taxable income you enter and reports the tax, what is left, and your effective and marginal rates. This build labels the schedule for the 2025 tax year and it reflects illustrative 2024–25 resident rates — main rates only, with no levies or offsets.

The tax-free threshold is encoded as a 0% band, so the schedule runs: nil up to $18,200, 16% from $18,200 to $45,000, 30% from $45,000 to $135,000, 37% from $135,000 to $190,000, and 45% above that. Tax is the sum of each slice × its rate, which is why the effective rate always sits below the marginal one.

Worked example at $95,000 of taxable income. The first $18,200 is tax-free; the next $26,800 at 16% = $4,288; the remaining $50,000 at 30% = $15,000. Total tax $19,288, leaving $75,712, an effective rate of 20.3% and a marginal rate of 30%. On this income the 2% Medicare levy would add about $1,900 more — and this calculator does not include it, so budget for it separately.

Two other things specific to Australia. Your employer’s superannuation contributions are paid on top of your salary rather than deducted from it, so they are not part of the taxable income you enter here and they do not reduce this estimate. And tax offsets — which reduce the tax payable rather than the income assessed — are not modelled at all, so eligible taxpayers will owe less than shown. Study and training loan repayments, which are collected alongside tax once income passes a threshold, are also excluded — so the take-home line is best read as tax-only arithmetic rather than a payslip.

The two rates answer different questions. Use the effective rate when you want to know what proportion of a year’s income went to tax, and the marginal rate when you are deciding about the next dollar — extra shifts, a second job, a bonus, or a deductible expense. At $95,000 those are 20.3% and 30% respectively, and it is the 30% that tells you what an extra $1,000 of income or deductions is actually worth to you before the levy is counted.

The engine taxes exactly the figure you type, so enter taxable income — assessable income minus the deductions you are claiming — not gross salary, and not salary plus super. GST at 10% has nothing to do with this calculation: it is a consumption tax already included in the prices you see. These are estimates for planning; confirm with the Australian Taxation Office or a registered tax agent before acting on them.

Other regions: United States, United Kingdom, Canada.

Frequently asked questions

Is the Medicare levy included?
No. The 2% Medicare levy is charged in addition to income tax and this tool does not model it. On $95,000 of taxable income it would add roughly $1,900 to the $19,288 shown, so add it yourself when budgeting.
How does the tax-free threshold work here?
It is encoded as a 0% band on the first $18,200 of taxable income, so tax only starts above that. That is why the effective rate at $95,000 is 20.3% despite a 30% marginal rate.
Should superannuation be part of the income I enter?
No. Employer super is paid on top of your salary into your super fund, so it is not part of your taxable salary and does not change this estimate. Salary-sacrificed contributions are a different matter and are not modelled either.
Are tax offsets applied?
No. Offsets reduce the tax payable rather than the income assessed, and none of them are modelled, so anyone eligible for an offset will owe less than the figure shown. The same goes for study and training loan repayments, which are collected with tax but are not tax.
Which year do these rates cover?
This build labels the schedule 2025 and it reflects illustrative 2024–25 resident rates. Rates and thresholds change, so confirm the current ones with the Australian Taxation Office before relying on the result.
Does it work for non-residents?
No. These are resident rates, which include the tax-free threshold. Non-residents for tax purposes are taxed on a different schedule with no tax-free threshold, so the estimate would be far too low.
Should I enter gross salary or taxable income?
Taxable income — assessable income less the deductions you are claiming. The engine applies no deductions of its own, so entering gross salary overstates the tax due.

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