Monthly Tax Table 2026-27

Find the row closest to gross monthly pay before tax and super. The withheld column is what the employer takes out under PAYG withholding; the take-home column is what lands in the bank. Use the no-threshold column when the job is a second job, because the tax-free threshold belongs to one employer only. The rates behind every figure are the 2026-27 tax brackets.

These figures assume no HELP debt. A study loan adds a repayment component above $69,528 of annual income for 2026-27, which the calculator linked above includes with one toggle. Employers should confirm final amounts against the ATO's published monthly schedule before running payroll.

"Monthly PAYG withholding" means one of two things depending on who is asking. For an employee it means the tax taken out of a monthly salary, which is the table above and the ATO monthly tax table (NAT 1007). For an employer it means how often the withheld amounts get reported and paid to the ATO, which is a completely separate cycle.

Those two cycles do not have to match. An employer can pay staff weekly and still remit monthly, or pay monthly and remit quarterly. The pay cycle picks the table; the withholder status picks the remittance schedule.

Withholder status is set by the annual amount withheld. Small withholders, up to $25,000 a year, report and pay quarterly with the activity statement. Medium withholders, $25,001 to $1 million, pay monthly. Large withholders, above $1 million, pay twice a week. The ATO moves an employer between categories as the total changes.

Monthly is also the cycle where the ATO method shows itself most clearly. Schedule 1 does not divide an annual figure by 12: it converts your monthly pay to a weekly equivalent by multiplying by 3 and dividing by 13, works out the weekly withholding, then multiplies by 13 and divides by 3 again. The table above follows that exactly. The calculator linked at the top of this page takes the annual view instead, and how PAYG withholding works covers the reporting side.

The ATO publishes the monthly table as NAT 1007, reissued 17 June 2026 and applying to payments made from 1 July 2026. Two downloads sit on that page under the heading "Using this table": a printable PDF lookup table, and an XLSX withholding lookup tool for anyone who wants the figures in a spreadsheet. There is no separate ATO Excel table beyond that tool.

The ATO table is laid out in columns. Column 2 is the amount to withhold when the payee claims the tax-free threshold, column 3 when they do not. Those map onto the two withheld columns above. The formulas the whole table is generated from live in Schedule 1, the statement of formulas (NAT 1004), which is what payroll software implements.