Australian Income Tax Calculator
On a A$90,000 salary, an Australian resident takes home about A$70,680/year in 2026-27 (A$5,890/month, A$2,718 per fortnight) — roughly 78.5% of gross. That's after A$17,520 income tax and A$1,800 Medicare levy. Your average rate is 21.5% and your marginal rate is 32.0%. Your employer also pays A$10,800 super (12%) on top. Enter your own income below.
$70,680.00 take-home per year (2026-27)
Net per year: $70,680 (78.5% of gross) · Total tax & levies: $19,320
Income tax: $17,520 · Medicare levy: $1,800
Average rate 21.5% · marginal rate 32.0% — your employer also pays $10,800 super (12%) on top of this.
Where your pay goes
How each tax bracket applies to your income
| Rate | Income from | to | Taxed here | Tax |
|---|---|---|---|---|
| 0.0% | $0 | $18,200 | $18,200 | $0.00 |
| 15.0% | $18,200 | $45,000 | $26,800 | $4,020.00 |
| 30.0% | $45,000 | $90,000 | $45,000 | $13,500.00 |
2026-27 resident tax rates (2ᵉ tranche 16%→15%), Medicare levy and low-income thresholds, LITO, the new HELP/HECS marginal repayment bands and the 12% Super Guarantee verified against the ATO (ato.gov.au). Employee-side estimate for an Australian resident — it doesn't model every offset, deduction, or non-resident rates. How we calculate →
What changed on 1 July 2026
The second tax bracket dropped from 16% to 15% from 1 July 2026 (the $18,200/$45,000/$135,000/$190,000 thresholds themselves are unchanged — only the rate on the $18,201–$45,000 slice, which flows through as lower cumulative tax in every higher bracket). On a A$90,000 salary this alone cuts income tax by about A$268.00 versus 2025-26 (A$17,788 → A$17,520).
HELP/HECS repayments also moved to a new marginal band structure for 2026-27: nil below A$69,528, then 15c for each $1 up to A$129,717, then 17c up to A$186,050, then a flat 10% of total repayment income above that. On a A$90,000 salary with a HELP debt, that's A$3,070.80 — about A$1,429.20 less than the old whole-of-income percentage system would have charged at this income level (illustrative for $90,000 only; the size of the saving varies by income).
How income tax works in Australia (2026-27)
Australian residents pay federal income tax — there's no state income tax — on progressive brackets: the first $18,200 is tax-free, then 15% to $45,000, 30% to $135,000, 37% to $190,000 and 45% above that. Only the income inside each band is taxed at that band's rate, so your average rate is always lower than your top (marginal) rate.
On top of income tax, most residents pay the 2% Medicare levy (reduced or waived on low incomes). A Low Income Tax Offset (LITO) of up to $700 reduces tax for lower earners. For example, A$60,000 takes home about A$50,380 (84.0% of gross), A$90,000 keeps A$70,680 (78.5%), and A$120,000 keeps A$91,080 (75.9%).
Medicare levy, the surcharge, and HELP/HECS
The Medicare levy is 2% of taxable income, phased in for low-income earners. If you earn above the threshold and don't hold private hospital cover, you may also pay the Medicare levy surcharge (1%–1.5%) — tick the box to include it.
If you have a HELP/HECS study loan, a compulsory repayment is added once your income passes the threshold. For 2026-27 this uses a marginal system: nothing under $69,528, then a percentage of the income above that (in bands, up to a flat 10% of total repayment income at the top). The calculator adds it when you tick "HELP/HECS debt".
Super is paid on top of your take-home
Your Superannuation Guarantee is 12% (unchanged for 2026-27, since 1 July 2025) — but it's paid by your employer on top of your salary, not deducted from your take-home. On a A$90,000 salary that's about A$10,800 a year into your super fund, separate from the A$70,680 you take home.
Your marginal rate is also the lever behind salary packaging: the higher it is, the more a pre-tax arrangement like a car saves — the independent novated lease calculator shows that FBT/ECM/GST math line by line for FY2026-27.
Frequently asked questions
How much tax do I pay on $90,000 in Australia?
On a A$90,000 salary in 2026-27, income tax is about A$17,520 plus A$1,800 Medicare levy — roughly A$19,320 total, leaving A$70,680 take-home (about 78.5% of gross).
What is the take-home pay on $90,000 in Australia?
About A$70,680 per year — roughly A$5,890 per month or A$2,718 per fortnight — after 2026-27 income tax and the Medicare levy. Your employer pays A$10,800 super on top.
What are the 2026-27 tax brackets in Australia?
For residents: $0–$18,200 tax-free; 15% from $18,201 to $45,000 (down from 16% in 2025-26); 30% to $135,000; 37% to $190,000; and 45% above $190,000. The Medicare levy (2%) applies on top.
How much is the Medicare levy?
2% of your taxable income, with a low-income reduction (no levy under about $28,011 for singles, phasing in to the full 2% by about $35,013). An extra Medicare levy surcharge of 1%–1.5% applies to higher earners without private hospital cover.
Does the calculator include HELP/HECS and super?
Yes — tick "HELP/HECS debt" to add the compulsory study-loan repayment (a marginal system for 2026-27, starting at $69,528). Super (12%, unchanged since 1 July 2025) is shown separately because your employer pays it on top of your salary, not from your take-home.
Researched & verified by the Calcuris Data & Research Team. How we build and check our tools →