PAYG Calculator Australia
Work out your tax withheld and take-home pay instantly. PAYG, Medicare levy, HELP repayments and super for every Australian pay cycle.
| Weekly | Fortnightly | Annually | |
|---|---|---|---|
| Gross pay | $1,635 | $3,269 | $85,000 |
| Income tax | −$308 | −$616 | −$16,020 |
| Medicare levy | −$33 | −$65 | −$1,700 |
| Take-home pay | $1,294 | $2,588 | $67,280 |
Tax bracket breakdown
| Bracket | Rate | Taxable | Tax |
|---|---|---|---|
| $0 – $18,200 | 0% | $18,200 | $0 |
| $18,200 – $45,000 | 15% | $26,800 | $4,020 |
| $45,000 – $135,000 | 30% | $40,000 | $12,000 |
| Income tax | $16,020 |
Tax by bracket
Where your gross goes
- Take-home pay79%
- Income tax19%
- Medicare levy2%
PAYG (Pay As You Go) is how Australia collects income tax throughout the year instead of in one bill at tax time. Every payday your employer withholds tax from your wages under PAYG withholding and sends it to the ATO on your behalf. How much is withheld depends on your income, pay frequency, residency status and whether you claim the tax-free threshold.
For 2026-27, residents pay no tax on the first $18,200, 15% up to $45,000, 30% up to $135,000, 37% up to $190,000 and 45% above that, plus the 2% Medicare levy. Employers also pay a 12% superannuation guarantee on top of your salary.
Our calculator applies the current ATO formulas automatically, including the tax-free threshold, Medicare levy, the low income tax offset, HELP/HECS repayment rates and non-resident and working-holiday-maker scales.
What our PAYG Calculator handles
Every rate, levy and repayment that affects your pay is built in and updated for 2026-27.
Every pay cycle
Weekly, fortnightly, monthly and annual pay. Enter any of them
All residency types
Resident, foreign resident and working holiday maker (417/462) scales
HELP / HECS debt
The marginal repayment system with the $69,528 threshold for 2026-27
Medicare levy
Including the low-income phase-in and exemption categories
Superannuation
12% super guarantee, shown separately or inside your package
No registration
Instant results. No email, no signup, no limits
What is PAYG?
Pay As You Go is the ATO's system for collecting income tax in instalments across the year. It has two sides: PAYG withholding, where employers take tax out of wages before paying employees, and PAYG instalments, where sole traders, investors and businesses prepay tax on income that has no withholding, usually quarterly.
The amount withheld follows the ATO's withholding schedules, which convert annual tax rates into weekly, fortnightly and monthly amounts. Withholding is deliberately rounded slightly in the ATO's favour, so most people get the difference back as a refund after lodging their tax return.
Tax comes out before pay lands
Higher rates on each slice only
For residents claiming the threshold
Over-withholding comes back to you
How your PAYG tax is worked out
Australian income tax is charged in slices, not at a single flat rate. You pay each bracket's rate only on the portion of income inside that bracket, never on the whole amount.
On an $85,000 salary that works out at $16,020 of income tax: nothing on the first $18,200, 15% on the next $26,800, then 30% on the remaining $40,000, an effective rate of just 18.8% before Medicare.
Australian tax rates 2026-27
Three scales apply depending on your residency for tax purposes. Medicare levy of 2% applies to residents on top of these rates.
Residents
Standard resident rates
| $0 – $18,200 | 0% |
| $18,201 – $45,000 | 15% |
| $45,001 – $135,000 | 30% |
| $135,001 – $190,000 | 37% |
| $190,000+ | 45% |
Tax-free threshold $18,200 · LITO up to $700
View full brackets →Non-Residents
Foreign residents for tax purposes
| $0 – $135,000 | 30% |
| $135,001 – $190,000 | 37% |
| $190,000+ | 45% |
No tax-free threshold · No Medicare levy
View full brackets →Working Holiday Makers
Visa 417 and 462 holders
| $0 – $45,000 | 15% |
| $45,001 – $135,000 | 30% |
| $135,001 – $190,000 | 37% |
| $190,000+ | 45% |
Registered employer rates
View full brackets →How much PAYG tax will you pay?
Your withholding climbs with income, but effective rates stay well below the headline brackets. A resident on $60,000 pays about $9,620 a year in tax and Medicare, on $85,000 about $17,720, and on $120,000 about $28,920.
Your circumstances shift the figure too: a HELP debt adds up to 17c per dollar above $69,528, while skipping the tax-free threshold on a second job means tax from the first dollar.
Enter your own salary in the calculator above for an exact bracket-by-bracket figure.
| Salary | Tax + Medicare | Take-home | Eff. rate |
|---|---|---|---|
| $50,000 | $6,270 | $43,730 | 12.5% |
| $60,000 | $9,620 | $50,380 | 16.0% |
| $85,000 | $17,720 | $67,280 | 20.8% |
| $100,000 | $22,520 | $77,480 | 22.5% |
| $120,000 | $28,920 | $91,080 | 24.1% |
| $150,000 | $39,570 | $110,430 | 26.4% |
Our most popular calculators
Quick, accurate tools for every PAYG situation, free with no registration.
PAYG Calculator
Tax withheld and take-home pay on any salary using 2026-27 ATO scales
Calculate now →PAYG Withholding
For employers: how much to withhold from an employee’s pay
Calculate now →PAYG Instalments
Quarterly instalments for sole traders and investors
Calculate now →Weekly Tax
Tax withheld on weekly pay, matched to the ATO weekly table
Calculate now →Second Job Tax
Withholding without the tax-free threshold on a second income
Calculate now →Take-Home Pay
Net pay after tax, Medicare, HELP and super
Calculate now →PAYG by worker type
The tax that comes out of your pay depends on how you work. Each type has different rates, thresholds and obligations.
Employee
$18,200 tax-freeEmployer withholds under PAYG withholding each payday.
Calculate employee tax →Second job
No tax-free thresholdThe threshold applies to one employer only, so job two is taxed from the first dollar.
Calculate second job tax →Sole trader
Quarterly instalmentsNo withholding. The ATO collects prepayments through PAYG instalments.
Calculate sole trader tax →Non-resident
30% from the first dollarNo tax-free threshold and no Medicare levy.
Calculate non-resident tax →Working holiday
15% to $45,000Special rates for 417 and 462 visa holders.
Calculate working holiday tax →Employer
You do the withholdingRegister for PAYG withholding, withhold, report and remit.
Calculate employer tax →Learn how PAYG really works
Plain-English guides to the system behind every Australian payslip.
What is PAYG?
7 min readWithholding vs instalments, who pays what, and why it exists
Read guide →PAYG Instalments Guide
9 min readWhy you got an instalment notice and how the amounts are set
Read guide →How PAYG is Calculated
6 min readThe withholding schedules and formulas behind your payslip
Read guide →Compare PAYG scenarios
See how residency, thresholds and financial years change the tax on the same pay.
Employee vs Sole Trader
Withholding each payday versus quarterly instalments on the same income
Compare now →Resident vs Non-Resident
What losing the tax-free threshold and Medicare levy does to net pay
Compare now →First vs Second Job
The no-threshold scale on a second income, quantified
Compare now →2025-26 vs 2026-27
What the 1 July rate cut is worth at your salary
Compare now →Everything in one place
Calculators, tables, guides and answers, organised by what you're trying to do.
Work out your pay
Understand PAYG
What changed on 1 July 2026
From 1 July 2026, the 16% rate on income between $18,201 and $45,000 dropped to 15%, the first step of the legislated cuts that take it to 14% from July 2027. Every resident taxpayer earning above $45,000 saves $268 a year.
HELP repayments also moved to a marginal system with a higher $69,528 threshold, and the super guarantee remains at its 12% maximum.
| Change | 2025-26 | 2026-27 |
|---|---|---|
| $18,201–$45,000 rate | 16% | 15% |
| HELP repayment threshold | $67,000 | $69,528 |
| Super guarantee | 12% | 12% |
Frequently asked questions
Quick answers with current 2026-27 rates and thresholds.