Australian Tax Scales Explained
Enter ONE value only - either excluding or including Superannuation Guarantee (SG).
Minimum SG is 12%. Adjust if your employer contributes more.
Tax rates shown are for the 2025-26 financial year for Australian residents and include the 2% Medicare Levy. This calculator does not include tax offsets (LITO, SAPTO), deductions, Medicare Levy Surcharge, HELP/HECS repayments, investment income, capital gains, or other income sources. Your actual tax payable will vary based on your individual circumstances.
This calculator is for educational purposes only and does not constitute tax or financial advice. Consult a registered tax agent or qualified accountant for advice specific to your situation. Official rates: ATO - Tax Rates for Australian Residents
How progressive tax works
Australia uses a progressive tax system. Your income is divided into brackets, and each bracket is taxed at a different rate. You only pay the higher rate on the portion of income that falls within that bracket - not on your entire income.
Example: If you earn $50,000, you don't pay 32% on the entire amount. Instead, the first $18,200 is tax-free, the next $26,800 is taxed at 18%, and only the remaining $5,000 is taxed at 32%. Your total tax is $4,824 + $1,600 = $6,424 - an effective rate of about 12.8%.
All tax rates shown in this calculator include the 2% Medicare Levy. The rates apply to Australian residents for tax purposes for the 2025-26 financial year.
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