Australian Finance & Tax Guides
Practical guides on Australian income tax, take-home pay, HECS repayments, Medicare levy, superannuation, and property costs for 2026-27 (current financial year) and prior years. Every article links to our free calculators so you can model your own numbers instantly.
Start with the salary after tax hub or the pay calculator.
New high-intent guides
Stamp Duty on an $800,000 House in Australia (2026)
Stamp duty on an $800,000 home in each Australian state and territory, calculated from current duty scales, with first home buyer concessions explained.
Average Salary Australia 2026: Take-Home Pay
What the average Australian full-time salary is in 2026, how much of it you keep after income tax and Medicare levy, and how it compares by state.
How to Add and Remove GST in Australia (10% Formula)
The simple formulas to add 10% GST to a price or remove GST from a GST-inclusive amount, with worked examples for invoices, quotes and receipts.
How Much Mortgage Can I Afford in Australia? (2026)
How Australian lenders assess borrowing power: income, expenses, the serviceability buffer and debts, with examples of what different incomes can borrow.
Capital Gains Tax on Property Australia 2026
How capital gains tax works when you sell an investment property in Australia: the 50% discount, main residence exemption, cost base and an example.
2026-27 tax guides
Australian Tax Brackets 2026-27: Rates & Thresholds
The 2026-27 resident income tax brackets, including the lower 15% rate, how marginal rates apply to each band and worked examples at common incomes.
How to Calculate Take-Home Pay Australia 2026-27
Work out your 2026-27 take-home pay step by step using the new 15% lower tax rate, the Medicare levy, HECS repayments and super, with worked examples.
HECS Repayment Australia 2026-27: Rates & Examples
How compulsory HECS-HELP repayments are worked out for 2026-27, how the marginal system applies above the threshold and what it means for your pay.
Marginal Tax Rate Australia 2026-27: Full Guide
Find your 2026-27 marginal tax rate, see how it compares with your effective rate, and learn how it affects overtime, bonuses and deductions you claim.
Salary after tax by income
Take-home pay, tax brackets, HECS, Medicare levy surcharge and super for each salary:
- $40,000 after tax
- $45,000 after tax
- $50,000 after tax
- $55,000 after tax
- $60,000 after tax
- $65,000 after tax
- $70,000 after tax
- $75,000 after tax
- $80,000 after tax
- $85,000 after tax
- $90,000 after tax
- $95,000 after tax
- $100,000 after tax
- $105,000 after tax
- $110,000 after tax
- $115,000 after tax
- $120,000 after tax
- $125,000 after tax
- $130,000 after tax
- $135,000 after tax
- $140,000 after tax
- $145,000 after tax
- $150,000 after tax
- $155,000 after tax
- $160,000 after tax
- $165,000 after tax
- $170,000 after tax
- $175,000 after tax
- $180,000 after tax
- $185,000 after tax
- $190,000 after tax
- $195,000 after tax
- $200,000 after tax
- $210,000 after tax
- $220,000 after tax
- $230,000 after tax
- $240,000 after tax
- $250,000 after tax
More guides
Salary Sacrifice vs Extra Super Contributions
Compare salary sacrifice, personal deductible and after-tax super contributions: how each is taxed, the contribution caps and which suits your income.
What Is the Medicare Levy Surcharge? Do I Pay It?
Find out whether you pay the Medicare levy surcharge, how income for surcharge purposes is measured and when private hospital cover means you avoid it.
Medicare Levy & Surcharge Explained (Australia)
The difference between the 2% Medicare levy and the Medicare levy surcharge, who pays each one, the low-income reduction and how they are calculated.
How to Calculate HECS Repayments on Your Salary
Step-by-step: work out your repayment income, compare it with the HECS-HELP threshold and calculate the compulsory repayment withheld from your pay.
Stamp Duty by State: Every Australian State Compared
Compare stamp duty across NSW, VIC, QLD, WA, SA, TAS, ACT and NT: how each duty scale works, first home buyer concessions and what drives the cost.
How Much Super Should I Have by Age in Australia?
Typical superannuation balances by age in Australia, what a comfortable retirement may need and practical ways to boost your super if you are behind.
Stage 3 Tax Cuts Australia: What Changed in 2025-26
How the Stage 3 tax cuts reshaped Australian tax brackets from 1 July 2024, what they mean for 2025-26 and how much more you take home at each income.
Tax-Free Threshold Australia 2025-26: $18,200
How the $18,200 tax-free threshold works, who can claim it, why you should only claim it from one employer and how it interacts with tax offsets.
Super Guarantee Rate Australia 2025-26: 12%
The super guarantee rose to 12% from 1 July 2025. What your employer must pay, which earnings it applies to and how to check it is being paid on time.
Marginal Tax Rate Australia 2025-26 Guide
What your marginal tax rate is in 2025-26, how it differs from your effective tax rate and what it means for pay rises, bonuses and salary sacrifice.
HECS Repayment Australia 2025-26 Guide
How HECS-HELP repayments changed in 2025-26, including the new marginal repayment system, the repayment threshold and the one-off 20% debt reduction.
How to Calculate Take-Home Pay Australia 2025-26
A step-by-step method to work out your 2025-26 take-home pay by hand: taxable income, tax brackets, tax offsets, Medicare levy, HECS and super.
Australian Tax Brackets 2025-26 Explained
The 2025-26 Australian income tax brackets and rates for residents, how the tax-free threshold works and how much tax you pay at each income level.