Tax Disclaimer

What this calculator covers, what it does not cover, and when to seek professional advice.

This is not tax advice

auincometax.com is an independent educational tool. Results are estimates only and do not constitute tax advice, financial advice, or accounting services. They should not be relied upon to determine your actual tax liability. Always confirm your tax position with a registered tax agent or the Australian Taxation Office (ATO).

What the calculator includes

The calculator estimates the following for Australian tax residents, non-residents, and working holiday makers for the 2026-27 financial year (1 July 2026 – 30 June 2027):

Income tax at legislated 2026-27 marginal rates (ATO Schedule 1)
Low Income Tax Offset (LITO) for residents
Medicare Levy (2%) with shade-in thresholds for residents
Medicare Levy Surcharge (1–1.5%) for high-income residents without private hospital cover
HECS/HELP repayment amounts based on estimated 2026-27 repayment income thresholds
Employer superannuation contributions (Superannuation Guarantee: 12% from 1 July 2025)
Salary sacrifice (pre-tax super contributions)
Basic work-related deductions (entered by the user)

What the calculator does NOT include

Other income sources: Investment income, rental income, capital gains, dividends, trust distributions, business income, or income from multiple jobs are not included. The calculator assumes salary/wages as the only income source.

Tax offsets beyond LITO: The Low and Middle Income Tax Offset (LMITO) no longer applies from 2022-23. The Seniors and Pensioners Tax Offset (SAPTO), Dependent Spouse Offset, and other personal offsets are not included.

Deductions beyond the work-related field: Tax agent fees, charitable donations, investment deductions, rental property deductions, and other legitimate deductions (other than the basic work-related amount you enter) are not included.

Salary sacrifice arrangements beyond super: Novated leases, FBT-exempt laptop arrangements, childcare salary sacrifice, and other non-super salary sacrifice arrangements are not modelled.

State or territory taxes: Payroll tax, land tax, and other state/territory levies are not included.

Fringe Benefits Tax (FBT): FBT implications of employer benefits are not modelled.

Foreign income and foreign tax credits: Income earned overseas, foreign tax credits, and double tax agreement provisions are not included.

Medicare Levy exemptions: Full or half Medicare Levy exemptions (e.g. for certain categories of temporary residents, or SAPTO recipients) are not modelled.

The Low Income Superannuation Tax Offset (LISTO): LISTO (a government contribution to super for low earners) is not included.

Estimated thresholds

The HECS/HELP repayment thresholds for 2026-27 are estimates, indexed from the 2024-25 ATO-published figures by CPI. The ATO typically confirms these figures after 1 July each year. These estimates are clearly marked throughout the site. We will update them when the ATO publishes final figures.

When you should seek professional advice

You should consult a registered tax agent or accountant if you:

Have income from investments, rental properties, trusts, or businesses
Have worked in multiple countries during the financial year
Are unsure of your Australian tax residency status
Have complex salary packaging, FBT, or share scheme income
Are lodging a tax return for the first time
Have received an ATO notice or are subject to an audit
Need to determine your actual PAYG withholding obligations

You can find a registered tax agent at Tax Practitioners Board or use the ATO's own calculators at ato.gov.au/calculators-and-tools.

No affiliation with the ATO

auincometax.com is an independent website. It is not affiliated with, endorsed by, or connected to the Australian Taxation Office, the Australian Government, or any other government body. Tax rates sourced from the ATO are used for informational purposes only.

Disclaimer last reviewed: July 2026