🇦🇺 Australia tax & finance calculators
Stage 3 cuts (1 Jul 2024) saved most Aussies $1,500-$4,500/year. We show what you keep now vs old rates.
🇦🇺 Australia key numbers
Top 8 Australia calculators
All Australia tax & salary tools
Tax brackets, retirement, payroll, and credits that follow ATO rules. Universal calculators (loans, health, sport, conversions) are below.
🇦🇺Australia tax & salary Tools
🇦🇺 Australia city calculators
Income tax, salary, and stamp duty calculators for Sydney, Melbourne, Brisbane, Perth, Adelaide, and other Australian cities.
Australian tax planning under Stage 3 cuts
Australia operates a progressive federal income tax system administered by the ATO. Following the Stage 3 cuts effective 1 July 2024 (modified from the original 2018 plan), the new structure delivers tax cuts to most income earners. There is no state income tax, but states levy stamp duty on property and payroll tax on employer wages above thresholds.
2025-26 Australian resident tax rates
| Income range | Rate |
|---|---|
| AUD 0 to 18,200 | 0% (tax-free threshold) |
| AUD 18,201 to 45,000 | 16% (cut from 19%) |
| AUD 45,001 to 135,000 | 30% (cut from 32.5/37%) |
| AUD 135,001 to 190,000 | 37% |
| Above AUD 190,000 | 45% |
Plus 2% Medicare Levy on most Australians (exempt below low-income threshold) and Medicare Levy Surcharge of 1-1.5% for higher earners without private hospital cover.
Superannuation: the world-class retirement system
Australia's compulsory superannuation requires employers to contribute 12% of Ordinary Time Earnings (Super Guarantee) from 1 July 2025, up from 11.5%. Workers can also salary sacrifice additional pre-tax contributions (concessional) up to AUD 30,000/year cap (combined with SG). Earnings inside super are taxed at 15% (10% on long-term capital gains). After preservation age (60 for those born after 1964), withdrawals are tax-free.
- Concessional contributions cap: AUD 30,000/year (2025-26). Carry-forward unused cap allowed if super balance below AUD 500K.
- Non-concessional contributions cap: AUD 120,000/year (after-tax money). Bring-forward rule allows 3 years' worth (AUD 360K) at once.
- Division 293 surcharge: extra 15% on concessional contributions for those with combined income above AUD 250,000.
- Government co-contribution: low-income earners get up to AUD 500 government top-up on personal after-tax contributions.
Negative gearing and the property tax debate
Australia is famous for negative gearing - when rental losses (rent minus interest, depreciation, council rates, etc.) can offset other income (salary), reducing tax. Combined with the 50% CGT discount on assets held over 12 months by individuals, this has fueled property investment by ~2 million Australians. Critics argue it inflates housing prices; defenders argue it expands rental supply.
Capital Gains Tax (CGT) discount
Resident individuals and trusts get a 50% discount on capital gains from assets held more than 12 months. SMSFs get 33.3% discount (effective 10% tax in accumulation phase, 0% in pension phase). Companies get no discount. Foreign and temporary residents are no longer eligible for the 50% discount on Australian property gains since May 2012.
HECS-HELP student loan repayments
Income-contingent repayment starting at AUD 54,435 (2025-26): 1% rises to 10% at top brackets. No interest but indexed to CPI annually. Voluntary repayments earn no bonus since 2017.
Calculators by Australian state/territory
Localized 2026 tax math + keyword-targeted pages for every AU region. Each links to: Salary Calculator, Income Tax.