Australian Tax and Finance Calculators for 2026-27
These 12 Australian tax calculators use 2026-27 rates from the ATO and each state revenue office, including the new 15% rate on income from $18,201 to $45,000 and the 12% super guarantee. Choose a calculator, enter your figures and see each step of the result.
Updated Source ATO and state revenue officesHow we check figures
| Resident income tax, 1 July 2026 | |
| Tax-free threshold | $18,200 |
| $18,201 to $45,000 | 15% |
| $45,001 to $135,000 | 30% |
| $135,001 to $190,000 | 37% |
| Over $190,000 | 45% |
| Levies, super and GST | |
| Medicare levy | 2% |
| Super guarantee | 12% |
| Concessional cap | $32,500 |
| Non-concessional cap | $130,000 |
| GST | 10% |
| FBT rate, year to 31 Mar 2027 | 47% |
ATO rates for 2026-27. The Medicare levy is on top of income tax.
Where we are in the 2026-27 financial year
Day 107 of 365, from to
- Financial year starts, 15% rate applies
- Self-lodged 2025-26 tax returns due16 days to go
- FBT year ends
- Last day of the 2026-27 financial year
Find your Australian calculator
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All Australian calculators
12 calculators for Australia, grouped by what they work out. Rows marked 2026-27 have been rebuilt and re-checked for the current financial year.
Income tax calculator
Income tax and the 2% Medicare levy on your taxable income, with your take-home pay.
Stamp duty calculator
Transfer duty on a property purchase in your state or territory.
Super contribution cap calculator
Room left under the $32,500 concessional and $130,000 non-concessional caps, including bring-forward and carry-forward.
Showing calculators that match "".
Tax and GST calculators 4 calculators
Income tax, GST, fringe benefits tax and payroll tax. Income tax and GST are federal; payroll tax is set by each state and territory, so that calculator asks where wages are paid.
- Income tax calculator
Income tax and the 2% Medicare levy on your taxable income, with your take-home pay.
- GST calculator
Add 10% GST to a price or take it out of a GST-inclusive amount.
10%GST rate - Payroll tax calculator
Payroll tax in each state and territory, with thresholds, and the same wage bill compared across all eight.
8States and territories - Fringe benefits tax calculator
FBT on cars and other benefits at the 47% rate, comparing the statutory formula and operating cost methods.
47%FBT rate
Pay and employment calculators 1 calculator
Redundancy pay under the National Employment Standards in the Fair Work Act 2009.
- Redundancy pay calculator
Redundancy pay under the National Employment Standards for your years of continuous service.
16 wksHighest NES scale
Property and home loan calculators 5 calculators
Stamp duty, land transfer fees and first home owner grants are state and territory charges, so these calculators ask where you are buying. Mortgage and negative gearing calculators work in any state.
- Stamp duty calculator
Transfer duty on a property purchase in your state or territory.
- Mortgage repayment calculator
Weekly, fortnightly or monthly home loan repayments and the total interest over the loan term.
- First home buyers grant calculator
Whether you may qualify for a first home owner grant in your state or territory, and how much it could be.
- Negative gearing calculator
Whether a rental property makes a tax loss, and how much tax that loss could save against your other income.
- Land transfer fee calculator
Government transfer registration fee on a property purchase in every state and territory. Stamp duty is separate.
$182.73NSW transfer fee
Super and retirement calculators 2 calculators
How much you can still contribute under the super caps, and how your balance could grow at the 12% guarantee rate.
- Super contribution cap calculator
Room left under the $32,500 concessional and $130,000 non-concessional caps, including bring-forward and carry-forward.
$32,500Concessional cap - Superannuation calculator
Your projected super balance at retirement from employer and voluntary contributions.
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Australian tax and super rates for 2026-27 at a glance
From 1 July 2026, Australian residents pay no income tax on the first $18,200, 15% from $18,201 to $45,000, 30% to $135,000, 37% to $190,000 and 45% above, plus the 2% Medicare levy. The 15% rate replaces 16%, which saves $268 a year for anyone earning over $45,000.
| Taxable income | Tax on this income | Marginal rate |
|---|---|---|
| $0 to $18,200 | Nil | 0% |
| $18,201 to $45,000 | 15c for each $1 over $18,200 | 15% |
| $45,001 to $135,000 | $4,020 plus 30c for each $1 over $45,000 | 30% |
| $135,001 to $190,000 | $31,020 plus 37c for each $1 over $135,000 | 37% |
| Over $190,000 | $51,370 plus 45c for each $1 over $190,000 | 45% |
| Figure | Applies to | 2026-27 |
|---|---|---|
| Medicare levy | Taxable income of most residents | 2% |
| Super guarantee | Ordinary time earnings, paid by employers | 12% |
| Concessional contributions cap | Before-tax contributions, including the employer's | $32,500 |
| Non-concessional contributions cap | After-tax contributions | $130,000 |
| GST | Most goods and services | 10% |
| GST registration turnover | Businesses must register at or above | $75,000 |
| Fringe benefits tax rate | FBT year 1 April 2026 to 31 March 2027 | 47% |
On an $80,000 taxable income in 2026-27, income tax is $14,520 ($4,020 on the first $45,000 plus 30% of the $35,000 above it) and the Medicare levy is $1,600, leaving $63,880 for the year. The income tax calculator adds HELP repayments and offsets where they apply.
Which Australian calculator answers your question
The right Australian calculator depends on who sets the rule: the ATO sets income tax, GST, FBT and super, the states and territories set stamp duty, payroll tax and first home grants, and the Fair Work Act sets redundancy pay. Match your question below.
| Your question | Use this calculator | Have this ready |
|---|---|---|
| How much tax will I pay this year? | Income tax | Taxable income from your payslips or income statement |
| What is the GST on a price? | GST | The GST-inclusive or exclusive amount |
| How much stamp duty will I pay? | Stamp duty | Price, state and whether it is your first home |
| What fee does the land titles office charge? | Land transfer fee | Purchase price and state |
| Can I get a first home owner grant? | First home buyers grant | State, price and whether the home is new |
| What will my repayments be? | Mortgage repayment | Loan amount, rate and term |
| Will my rental make a tax loss? | Negative gearing | Rent, interest, expenses and your other income |
| How much more can I put into super? | Super contribution cap | Contributions so far and your total super balance |
| Does my business owe payroll tax? | Payroll tax | Annual Australian wages and the state they are paid in |
| What FBT is due on a work car? | Fringe benefits tax | Car cost, days available and employee contributions |
| How much redundancy pay am I owed? | Redundancy pay | Years of continuous service and weekly base pay |
What changes between states and territories
Income tax, GST, super and the Medicare levy are the same in every state, but property charges and payroll tax are set by each of the eight states and territories, so the same purchase or wage bill can cost very different amounts depending on where it happens.
| State or territory | Stamp duty and payroll tax set by | Transfer fee from |
|---|---|---|
| New South Wales | Revenue NSW | $182.73 |
| Victoria | State Revenue Office Victoria | $104.30 |
| Queensland | Queensland Revenue Office | $248.04 |
| Western Australia | RevenueWA | $225.10 |
| South Australia | RevenueSA | $204.00 |
| Tasmania | State Revenue Office Tasmania | $256.76 |
| Australian Capital Territory | ACT Revenue Office | $496.00 |
| Northern Territory | Territory Revenue Office | $181.00 |
NSW, Tasmania, the ACT and the NT charge a flat transfer fee. Victoria adds $2.34 per $1,000 of value up to a $3,614 cap, Queensland adds $46.56 for each $10,000 above $180,000, and Western Australia and South Australia step the fee up by price.
Payroll tax thresholds and rates also differ by state, and some states add levies on top. The payroll tax calculator runs the same wage bill through all eight jurisdictions so you can see the gap.
The Australian financial year and the dates that matter
The Australian financial year runs from 1 July to 30 June, so 2026-27 covers to . Fringe benefits tax is the exception: the FBT year runs from 1 April to 31 March.
| Date | What happens |
|---|---|
| FBT year 2026-27 starts | |
| 2026-27 financial year starts; 15% rate, new super caps and Payday Super begin | |
| 2025-26 tax returns due if you lodge yourself | |
| FBT year ends | |
| 2026-27 financial year ends; last day for contributions to count against this year's caps |
What changed for 2026-27
The main 2026-27 change is the cut in the second income tax rate from 16% to 15% on 1 July 2026, with a further cut to 14% legislated from 1 July 2027. Super caps rose and the way employers pay super changed on the same day.
| Change | Before | 2026-27 |
|---|---|---|
| Rate on income from $18,201 to $45,000 | 16% | 15% |
| Concessional contributions cap | $30,000 | $32,500 |
| Non-concessional contributions cap | $120,000 | $130,000 |
| When employers pay super | Quarterly | Each payday |
Under Payday Super, employers must pay super guarantee with each pay run rather than quarterly. A new tax on earnings for super balances above $3 million also starts from 1 July 2026; the super contribution cap calculator explains when it applies.
Mistakes that give the wrong Australian figure
The most common Australian slips are taking 10% off a GST-inclusive price, using last year's 16% rate, mixing up stamp duty with the land transfer fee, and forgetting that employer super counts towards the concessional cap.
Taking 10% off to remove GST
GST is one eleventh of a GST-inclusive price. On $550 the GST is $50 and the price before GST $500. Taking 10% off gives $495, which overstates the GST by $5.
Using the 16% rate after 1 July 2026
A 2025-26 calculator overstates tax by $268 a year for anyone earning over $45,000, and by 1% of income above $18,200 for anyone earning less.
Treating the transfer fee as stamp duty
The land titles office fee is a few hundred dollars; transfer duty on the same home can be tens of thousands. They are separate charges paid to different bodies, so budget for both.
Leaving employer super out of the cap
Your employer's 12% super guarantee counts towards the $32,500 concessional cap along with salary sacrifice. On a $150,000 salary the guarantee alone is $18,000, leaving $14,500 of room before any carry-forward amounts.
How these Australian calculators are built and checked
Each Australian calculator takes its rates from the ATO, the relevant state or territory revenue office, the land titles office or the Fair Work Ombudsman, models the formula independently and must match that model on test cases at every threshold before it is published.
When rates change, usually on 1 July or 1 April for FBT, the calculator, its examples and its source dates are updated together. Read the full process in our Editorial Policy.
Frequently asked questions
Short answers to the questions people ask most about Australian tax, super and property costs in 2026-27.
For 2026-27, residents pay nil on the first $18,200, 15% from $18,201 to $45,000, 30% to $135,000, 37% to $190,000 and 45% above $190,000. The 2% Medicare levy is charged on top for most people.
On $80,000 of taxable income in 2026-27, income tax is $14,520 and the Medicare levy is $1,600, a total of $16,120. That leaves $63,880, before any HELP repayment or private health surcharge.
Multiply a price before GST by 1.1 to add GST, or divide a GST-inclusive price by 11 to find the GST in it. A $550 price includes $50 GST. Businesses must register for GST once turnover reaches $75,000.
The super guarantee is 12% of ordinary time earnings for 2026-27, the same rate as 2025-26. From 1 July 2026 employers must pay it with each payday instead of quarterly.
The concessional cap is $32,500 and the non-concessional cap is $130,000 for 2026-27. Employer contributions count towards the concessional cap, and unused concessional cap from earlier years may be carried forward if your total super balance is under $500,000.
No. Each state and territory sets its own transfer duty scale, concessions and first home buyer rules, so the same price attracts different duty in each one. Use the stamp duty calculator with your state selected.
Under the National Employment Standards, redundancy pay runs from 4 weeks of base pay after one year of continuous service to 16 weeks after nine years, then 12 weeks from ten years. Employers with fewer than 15 employees are generally exempt.
Yes. Every calculator is free, with no account, no sign-up and no personal details asked for. The site is supported by labelled advertising kept away from inputs and results.
No. Results are estimates for planning, built from official rates. Offsets, HELP debts, super fund rules and state concessions can change the real figure, so check important numbers with the ATO, your fund, your lender or a registered adviser.
Sources
Every figure on this page comes from these official publications. Each calculator page lists its own sources as well.
- Personal income tax: new tax cuts for every Australian taxpayer, Australian Taxation Office. Checked .
- Tax rates for Australian residents, Australian Taxation Office. Checked .
- Key superannuation rates and thresholds: contributions caps, Australian Taxation Office. Checked .
- Super guarantee percentage, Australian Taxation Office. Checked .
- Registering for GST, Australian Taxation Office. Checked .
- Fringe benefits tax rates and thresholds, Australian Taxation Office. Checked .
- Redundancy pay and entitlements, Fair Work Ombudsman (Fair Work Act 2009, s.119). Checked .
- Land titles fee schedules for 2026-27: NSW Land Registry Services, Land Use Victoria, Titles Queensland, Landgate, Land Services SA, NRE Tasmania, Access Canberra, NT Land Titles Office. Checked .
Calculators for other countries
Tax years, rates and employment rules differ by country, so each one has its own set. Browse every calculator.
- United Kingdom calculators2026/27, 6 Apr to 5 Apr
Take-home pay, VAT, National Insurance, council tax, statutory pay, mortgages and student loans for 2026/27.
- Canada calculators2026, calendar year
Income tax by province, vacation pay, overtime, severance, minimum wage, RRSP and TFSA for 2026.
- New Zealand calculators2026/27, 1 Apr to 31 Mar
Minimum wage, paid parental leave and bright-line property tax for 2026/27.
- USA calculators2026, calendar year
FLSA overtime, pay stubs, savings goals and spousal support for 2026.
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Disclaimer
Calculation methodology sourced from official government publications. See our Editorial Policy for how we build and maintain our calculators.
Results are estimates for planning, not tax, legal or financial advice. Offsets, HELP debts, super fund rules, state concessions and lender criteria can change the real figure. Confirm important numbers with the ATO, your state revenue office, your super fund or a registered adviser before acting.