Australian Pay & ATO Tax Calculator (Stage 3 Cuts)
Calculate net take-home pay across weekly, fortnightly, monthly and annual periods with updated Stage 3 tax cuts, Medicare Levy (2%), and 12% Superannuation.
Calculate net take-home pay across weekly, fortnightly, monthly and annual periods with updated Stage 3 tax cuts, Medicare Levy (2%), and 12% Superannuation.
Calculate net take-home pay across weekly, fortnightly, monthly and annual periods with updated Stage 3 tax cuts, Medicare Levy (2%), and 12% Superannuation. Calculate exact, penny-accurate projections compliant with 2026 ATO • Reserve Bank of Australia (RBA) standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Net Pay = Gross Income - (ATO Income Tax - LITO) - Medicare Levy (2%) - HECS/HELP Repayment + Superannuation (12% SG to Fund)Calculates Australian take-home pay based on the ATO Stage 3 tax cuts ($18,200 tax-free threshold, 16% up to $45,000, 30% up to $135,000, 37% up to $190,000, and 45% above), plus 2% Medicare Levy and compulsory 12% Superannuation Guarantee.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual ATO tax rates, superannuation rules, RBA cash rates, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult an ASIC-licensed financial advisor or CPA prior to executing financial commitments.
The Stage 3 tax package restructured brackets: 16% up to $45,000, 30% between $45,000 and $135,000, 37% between $135,000 and $190,000, and 45% for income exceeding $190,000.
By law, employers must contribute 12.0% on top of ordinary time earnings into your complying super fund. If your contract states 'inclusive of super', super is deducted from the agreed total package.
The Medicare Levy is 2% of taxable income funding public health. High earners ($97,000+ single) without complying private hospital insurance incur an extra 1.0% to 1.5% Medicare Levy Surcharge.
The amended Stage 3 tax cuts deliver tax relief across all income brackets: 16% on income between $18,200 and $45,000; 30% between $45,000 and $135,000; 37% between $135,000 and $190,000; and 45% for taxable income over $190,000.
Usually no. By law, the 12% Superannuation Guarantee (SG) is paid by your employer on top of your Ordinary Time Earnings (OTE) into your designated super fund, unless your contract states a 'total remuneration package' (TRP / inclusive of super).
Calculate compulsory HECS/HELP repayments based on your Repayment Income (1% to 10% tiers) and estimate annual inflation indexation impacts.
Estimate your 2% Medicare Levy, low-income threshold phase-in relief, and Medicare Levy Surcharge (MLS 1% to 1.5%) if you do not have private hospital cover.
Calculate income tax and Medicare savings by salary sacrificing into superannuation or utilizing public healthcare/charity NFP packaging ($15,900 cap).