Free Australian Pay, Tax & Finance Calculators
CalculatorQuest has 80+ free tools for Australians: take-home pay, HECS, super, stamp duty, home loans and more. Start with the Australian pay calculator, which uses the official 2026-27 ATO rates. No sign-up needed.
Rates last checked against the ATO on .
Tax, Super & HECS – 2026-27 Rates
Every result uses the ATO's 2026-27 rates. Enter your salary to see what you keep after income tax, the Medicare levy and HECS, plus the 12% super your employer pays on top. Charts show how your pay changes as your income rises.
Employment & Pay
Property & Investment
Not about money?
Health, date, maths, home-project and unit conversion calculators are on the other tools page.
Questions about our calculators
How accurate is the calculator?
We use the ATO's 2026-27 rates, including the 15% rate on the first taxed bracket. The calculator works out income tax, the Medicare levy (2%), super (12%) and HECS-HELP repayments. Results are estimates; how we calculate lists every assumption and source. If your situation is complex, ask a registered tax agent.
What does the Australian pay calculator include?
It covers income tax at 2026-27 rates, the Medicare levy (2%), the Medicare levy surcharge when it applies, super (12%) and HECS repayments. You get a full breakdown with charts. Try the pay calculator.
Is my data secure and private?
Calculations run in your browser, so the salary and other numbers you enter are not sent to us. The site does use Google Analytics and advertising cookies; the privacy policy explains what they collect.
Do I need to register or pay to use the calculators?
No. Every calculator is free and you don't need an account. Pick a calculator, enter your numbers and the result appears straight away.
How often are the tax rates updated?
We update the rates when the ATO publishes new ones, usually once a year. Each calculator shows the date its 2026-27 rates were last checked, with links to the official sources.
Can I use these calculators on mobile devices?
Yes. Every calculator works on phones, tablets and computers, and the layout adjusts to fit your screen.
Tax-Free Threshold 2026-27
Australian residents pay no income tax on the first $18,200 of annual income. Combined with the low income tax offset, no income tax is payable up to about $22,867. Learn how it works →
Superannuation Guarantee 2026-27
The SG rate is 12% in 2026-27. Your employer must pay this on top of your salary into your super fund. Full super rate guide →
Medicare Levy 2026-27
Most residents pay a 2% Medicare levy. Higher earners without private hospital cover may pay the Medicare Levy Surcharge (MLS). MLS explained →
Latest Australian Tax & Finance Guides
See take-home pay for every income in our salary after tax guide (2026-27).
Stage 3 Tax Cuts: How Much More Do You Keep?
How the Stage 3 changes reshaped the brackets, and what you keep at every salary.
Tax-Free Threshold: $18,200 Explained
Who can claim it, how to claim it, and how LITO extends your effective tax-free income to about $22,867.
Super Guarantee Rate: 12%
See how much your employer must pay and the 2026-27 concessional cap of $32,500.
$90,000 Salary: Take-Home Pay After Tax
Income tax, Medicare levy, HECS and the surcharge threshold on a $90k salary in 2026-27.
$100,000 Salary: Take-Home Pay After Tax
Six-figure take-home pay in 2026-27, with HECS and Medicare levy surcharge explained.
HECS Repayment Guide: Thresholds & Rates
The 2026-27 repayment threshold of $69,528 and how marginal repayment rates work.
$75,000 Salary: Take-Home Pay 2026-27
Income tax, Medicare, HECS and take-home breakdown at 15% lower-bracket rates.
$120,000 Salary: Take-Home Pay 2026-27
2026-27 tax on $120k with HECS and Medicare levy surcharge notes. Full breakdown.
$200,000 Salary: Take-Home Pay 2026-27
Top tax brackets, HECS and effective tax rate on a $200k salary for 2026-27.