Weekly Tax Calculator
See how much tax comes out of your weekly pay in 2026–27 and what you take home, using the ATO rates with Medicare, HELP and super shown separately.
Take-home pay per week
$1,293.85On a $85,000 salary in 2026–27, an Australian resident takes home $1,293.85 per week after $308.08 income tax and $32.69 Medicare levy, with $196.15 super paid on top.
| Gross pay per week | $1,634.62 |
|---|---|
| Income tax | −$308.08 |
| Medicare levy | −$32.69 |
| Take-home pay per week | $1,293.85 |
| Employer super (12%, on top) | +$196.15 |
Marginal rate 30% · effective rate 20.8% of taxable income
How this was calculated (2026–27, annual)
| Gross salary (excluding super) | $85,000.00 |
|---|---|
| Nil on the first $18,200 | $0.00 |
| 15% on $18,201 – $45,000($45,000 − $18,200) × 15% | $4,020.00 |
| 30% on $45,001 – $135,000($85,000 − $45,000) × 30% | $12,000.00 |
| Medicare levy 2%$85,000 × 2% | $1,700.00 |
| Employer super guarantee 12% (paid on top, not deducted) | $10,200.00 |
Annual figures divided by 52 for the per-week amounts. Employer PAYG withholding uses the ATO withholding schedules, which approximate the low income tax offset, and can differ by up to about $12 a fortnight at lower incomes; it is settled in the tax return.
On a $85,000 salary in 2026–27, an Australian resident takes home $1,293.85 per week after $308.08 income tax and $32.69 Medicare levy, with $196.15 super paid on top.
Source: ATO Last verified How we keep this accurate
Key facts for 2026–27
- Tax-free threshold: $18,200 for Australian residents
- Tax rates: 15% $18,201–$45,000; 30% $45,001–$135,000; 37% $135,001–$190,000; 45% over $190,000
- Second bracket: 15% on $18,201–$45,000 (was 16% in 2025–26)
- Medicare levy: 2% of taxable income; nil up to $28,011 (single), reduced up to $35,013
- Low income tax offset: Up to $700, cutting out at $66,667
- HELP repayments: Nil up to $69,528; 15% of income above it; 17% above $129,717; capped at 10%
- Super guarantee: 12% of ordinary time earnings, paid by the employer on top of salary
Financial year 2026–27 runs 1 July 2026 to 30 June 2027. Last verified 24 September 2026. Source: ATO — Tax rates – Australian resident / foreign resident.
| Item | 2026–27 |
|---|---|
| Tax-free threshold | $18,200 for Australian residents |
| Tax rates | 15% $18,201–$45,000; 30% $45,001–$135,000; 37% $135,001–$190,000; 45% over $190,000 |
| Second bracket | 15% on $18,201–$45,000 (was 16% in 2025–26) |
| Medicare levy | 2% of taxable income; nil up to $28,011 (single), reduced up to $35,013 |
| Low income tax offset | Up to $700, cutting out at $66,667 |
| HELP repayments | Nil up to $69,528; 15% of income above it; 17% above $129,717; capped at 10% |
| Super guarantee | 12% of ordinary time earnings, paid by the employer on top of salary |
How weekly tax is worked out for 2026–27
Australian income tax is set for a whole financial year, so a weekly figure is the year’s tax spread across 52 pays. For the 2026–27 financial year (1 July 2026 to 30 June 2027) the calculator does the following:
- Annualise the weekly pay by multiplying by 52. The ATO’s weekly tax table uses the same assumption.
- Apply the resident brackets to the annual figure: nil to $18,200, 15% to $45,000, 30% to $135,000, 37% to $190,000 and 45% above.
- Subtract the low income tax offset, worth up to $700 and gone by $66,667.
- Add the Medicare levy at 2%, reduced or nil below the low-income thresholds.
- Add the HELP repayment where a study loan is ticked.
- Divide by 52 for the weekly tax, Medicare, HELP and take-home amounts.
Weekly tax table 2026–27
The table below shows weekly gross pay, the weekly tax and Medicare levy, and weekly take-home pay at round weekly amounts, generated from the same engine as the calculator. It is a guide to the ATO’s weekly tax table, which is built from withholding formulas that approximate the low income tax offset and Medicare phase-in: at $45,000 a year the ATO withholds about $6 a week more than the exact annual tax ÷ 52 shown here, at $85,000 the two are within a dollar, and at $150,000 the ATO withholds about $1 a week more. The difference is settled in the tax return.
| Annual salary | Gross per week | Income tax | Medicare | Take-home per week | Take-home per year |
|---|---|---|---|---|---|
| $26,000 | $500.00 | $9.04 | $0.00 | $490.96 | $25,530.00 |
| $39,000 | $750.00 | $47.98 | $15.00 | $687.02 | $35,725.00 |
| $52,000 | $1,000.00 | $113.46 | $20.00 | $866.54 | $45,060.00 |
| $65,000 | $1,250.00 | $192.21 | $25.00 | $1,032.79 | $53,705.00 |
| $78,000 | $1,500.00 | $267.69 | $30.00 | $1,202.31 | $62,520.00 |
| $91,000 | $1,750.00 | $342.69 | $35.00 | $1,372.31 | $71,360.00 |
| $104,000 | $2,000.00 | $417.69 | $40.00 | $1,542.31 | $80,200.00 |
| $130,000 | $2,500.00 | $567.69 | $50.00 | $1,882.31 | $97,880.00 |
| $156,000 | $3,000.00 | $745.96 | $60.00 | $2,194.04 | $114,090.00 |
| $208,000 | $4,000.00 | $1,143.65 | $80.00 | $2,776.35 | $144,370.00 |
How much tax on $1,500 a week?
On $1,500 a week, which is $78,000 a year, an Australian resident has $267.69 income tax and $30.00 Medicare levy taken out each week in 2026–27, leaving $1,202.31 in the hand. Over the year that is $13,920.00 tax and $1,560.00 Medicare, with $62,520.00 take-home pay and $9,360.00 super paid on top. The marginal rate is 30%, the effective rate 19.8%.
For comparison, $1,000 a week ($52,000 a year) leaves $866.54 after $133.46 in tax and Medicare, and $2,500 a week ($130,000 a year) leaves $1,882.31 after $617.69.
Weekly tax with a HELP debt
When a HELP, VET Student Loan or other study loan is declared, the employer withholds extra each week so the compulsory repayment is covered by the end of the year. In 2026–27 the repayment is marginal:
| Repayment income | Repayment |
|---|---|
| $0 – $69,528 | Nil |
| $69,529 – $129,717 | 15c for each $1 over $69,528 |
| $129,718 – $186,051 | $9,028 plus 17c for each $1 over $129,717 |
| $186,052 and over | 10% of total repayment income |
On $1,500 a week, the HELP repayment is $24.44 a week ($1,270.80 a year), and take-home pay falls to $1,177.87.
| Annual salary | Gross per week | Income tax | Medicare | HELP | Take-home per week | Take-home per year |
|---|---|---|---|---|---|---|
| $78,000 | $1,500.00 | $267.69 | $30.00 | $24.44 | $1,177.87 | $61,249.20 |
| $91,000 | $1,750.00 | $342.69 | $35.00 | $61.94 | $1,310.37 | $68,139.20 |
| $104,000 | $2,000.00 | $417.69 | $40.00 | $99.44 | $1,442.87 | $75,029.20 |
| $130,000 | $2,500.00 | $567.69 | $50.00 | $174.55 | $1,707.76 | $88,803.54 |
| $156,000 | $3,000.00 | $745.96 | $60.00 | $259.55 | $1,934.49 | $100,593.54 |
Why does my payslip show a different amount?
Employers don’t divide annual tax by 52. They apply the ATO’s withholding formula (Schedule 1, “Statement of formulas for calculating amounts to be withheld”) to each week’s earnings on its own, ignore cents, and round to the nearest dollar. The result is designed to land close to the annual tax over a full year, but any single week can be a few dollars either side of the figures here. Bigger differences usually have one of these causes:
- The tax-free threshold wasn’t claimed on the tax file number declaration, so tax is withheld from the first dollar. That is common with second jobs.
- A HELP debt wasn’t declared, or was declared after it was paid off.
- Salary sacrifice to super or a novated lease reduces taxable pay.
- Overtime, bonuses or back pay in a single week push that week into a higher rate under the tables.
- Leave loading or allowances that are taxed differently.
At the end of the year the tax return reconciles the total withheld against the actual annual tax, so a small weekly gap becomes a small refund or bill.
Income tax rates 2026–27
According to the ATO, these resident rates apply for 2026–27 and exclude the Medicare levy. The second bracket fell from 16% to 15% on 1 July 2026, which is worth about $5.16 a week to anyone earning $45,000 or more.
| Taxable income | Rate | Tax on this income |
|---|---|---|
| $0 – $18,200 | 0% | Nil |
| $18,201 – $45,000 | 15% | 15c for each $1 over $18,200 |
| $45,001 – $135,000 | 30% | $4,020 plus 30c for each $1 over $45,000 |
| $135,001 – $190,000 | 37% | $31,020 plus 37c for each $1 over $135,000 |
| $190,001 and over | 45% | $51,370 plus 45c for each $1 over $190,000 |
Frequently asked questions
How much tax is taken out of $1,500 a week?
On $1,500 a week ($78,000 a year), an Australian resident in 2026–27 has $267.69 income tax and $30 Medicare levy per week, taking home $1,202.31. With a HELP debt, a further $24.44 a week comes out. Employer super of $180 a week is paid on top. Employer withholding from the ATO weekly tax table is worked out differently and can differ by up to about $6 a week at lower incomes (about $12 a fortnight at $45,000 a year in the ATO's calculator, within a dollar at $85,000); the difference is settled in the tax return.
How is weekly tax calculated in Australia?
Weekly tax is the year's tax spread over 52 weeks. Multiply weekly pay by 52, apply the 2026–27 brackets (nil to $18,200, then 15%, 30%, 37% and 45%), subtract the low income tax offset, add 2% Medicare levy and any HELP repayment, then divide by 52. Employers use the ATO weekly tax table, which is built from the same rates.
Why is my payslip tax different from this calculator?
Employers withhold using the ATO weekly tax table, which applies a formula to each week's pay in isolation with rounding to whole dollars, so it can differ from an even one-52nd of annual tax by a few dollars. Larger gaps usually mean the tax-free threshold wasn't claimed, HELP wasn't declared, salary sacrifice is in play, or the pay includes overtime or a bonus.
How much can I earn a week before paying tax?
In 2026–27 a resident pays no income tax on the first $18,200 a year, which is $350 a week. Because the low income tax offset covers the first $700 of tax, income tax only starts above about $439 a week ($22,866 a year). The Medicare levy begins phasing in above $538.67 a week ($28,011 a year). Employers still withhold according to the weekly tax table if the threshold isn't claimed.
Does the weekly tax include the Medicare levy?
Yes. The 2% Medicare levy is shown as a separate weekly line, so income tax and Medicare are visible individually. Singles earning under $28,011 a year ($538.67 a week) pay no levy, and a reduced levy applies up to $35,013 a year. The Medicare levy surcharge for higher earners without hospital cover is not included.
How much HELP comes out of weekly pay in 2026–27?
Nothing until repayment income passes $69,528 a year ($1,337.08 a week). Above that, 15 cents per dollar until $129,717, then 17 cents per dollar, capped at 10% of total repayment income. On $1,500 a week, that is $24.44 a week. Employers withhold extra when a HELP debt is declared on the tax file number declaration.
Is super taken out of my weekly pay?
No. The super guarantee (12% in 2026–27) is paid by the employer on top of wages into your super fund, and it is not part of your taxable income. The calculator shows it as a separate weekly amount. If your pay is quoted as a package including super, tick that box and the calculator removes the 12% before calculating tax.
What if I'm paid weekly but my hours change each week?
Enter a typical week's gross pay. The calculator annualises that week, so a high week overstates the yearly tax and a low week understates it. Over a full year the ATO reconciles everything on your tax return: if the weekly withholding across the year was more than the annual tax, the difference comes back as a refund.
Sources and assumptions
- ATO — Tax rates for Australian residents
- ATO — Weekly tax table — employer withholding amounts, which this calculator approximates from the annual rates
- ATO — Tax withheld calculator
- ATO — Medicare levy reduction for low-income earners
- ATO — Study and training loan repayment thresholds and rates
- ATO — Super guarantee percentage
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