2026–27 tax rates
Tax yearThe financial year runs from 1 July to 30 June. 2027–28 is an estimate until the ATO publishes its tables.

Tax refund calculator 2026–27

Estimate the tax you'll owe for the year and whether you'll get a refund or a bill, from your salary, other income and deductions.

PaidHow often you're paid. We use it to work out how much tax your employer takes out over the year.
Salary includes superSome jobs quote a total package that includes the 12% super your employer pays into your super fund. Choose Yes if your amount includes super and we'll split it into pay and super.

Other income and deductions optional

Your situation

HELP or study loanDo you have a HELP, VSL or other study or training loan? Once your income passes the repayment threshold ($69,528 in 2026–27), you repay part of it through your tax.
Private hospital coverPrivate health insurance that includes hospital cover. Without it, singles earning over $105,000 (2026–27) pay the Medicare levy surcharge of 1% to 1.5% of their income.
Tax-free thresholdThe first $18,200 you earn each year is tax-free. You normally claim it from one employer only, your main job. Choose Not claiming for a second job.
Residency for taxWhether you're an Australian resident for tax purposes. It isn't the same as citizenship or your visa. Foreign residents pay different rates and can't claim the tax-free threshold.
FamilyCouples and sole parents can pay less Medicare levy when family income is low, and get higher Medicare levy surcharge thresholds.
Senior or pensionerThe seniors and pensioners tax offset (SAPTO) lowers tax for people who have reached age pension age or get certain pensions. Worth up to $2,230 for singles and $1,602 each for couples.

Estimated tax refund

$0.00

Enter your salary to estimate your refund or bill for 2026–27.

How the estimate works

  1. Taxable income: your salary plus other income, minus deductions.
  2. Tax for the year: 2026–27 income tax rates (nothing on the first $18,200, then 15%, 30%, 37% and 45%), less the low income tax offset of up to $700, plus the 2% Medicare levy. If you have a study loan we add the compulsory repayment, and if you earn over $105,000 without private hospital cover we add the Medicare levy surcharge.
  3. Tax withheld: what your employer takes out of each pay under the ATO's withholding formulas, across a full year.
  4. Refund or bill: tax withheld minus tax for the year.

Why most people with one job get a small refund or none

The withholding formulas are designed to take out close to the right amount over a year. With one job, no deductions and no other income, the difference is usually small:

SalaryTax for the yearWithheldRefund
$60,000$9,620.00$9,724.00$104.00
$85,000$17,720.00$17,732.00$12.00
$120,000$28,920.00$28,964.00$44.00

Bigger refunds usually come from deductions, and bills usually come from income with no tax withheld, a second job, or a study loan your employer didn't know about.

This is an estimate. It assumes you're single with no dependants and one employer for the full year, and approximates study loan and surcharge income by taxable income. The ATO hasn't yet set the 2026–27 Medicare levy low-income thresholds, so we use the latest legislated ones. Your actual result comes from your tax return.