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See where your income actually goes.

Estimate the tax and Medicare levy on your income and what lands in your pocket. A useful starting point before exploring salary sacrifice, deductible contributions and other tax-effective strategies.

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02 — Tax

Income Tax

— Estimated Income Tax
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— Medicare Levy
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— Take-Home Pay
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Based on 2025–26 Australian resident tax brackets. Does not include HELP/HECS debt, private health surcharges, or tax offsets. Personal advice requires a Statement of Advice. AFSL 562647.

This calculator provides estimates only, based on simplified assumptions and the figures you enter. It does not take into account your personal objectives, financial situation or needs, and is not financial advice. Results are illustrative and actual outcomes will differ. Consider seeking personal advice before acting. Wealth Designers Advisory Pty Ltd (ABN 26 650 483 300, AFSL 562647).

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Troy Gudgeon established Wealth Designers Advisory under its own Australian Financial Services Licence specifically to remove the conflicts that come with bank or institutionally-owned advisory groups. No dealer group, no product quotas — the only agenda at the table is yours.

  • 20+ years of financial planning experience across every market cycle
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Troy Gudgeon, Founding Director and Principal Adviser
Troy Gudgeon
Founding Director & Principal Adviser
MFinPlan · SSA™ · FAAA Member
Wealth Designers Advisory Pty Ltd
ABN 26 650 483 300 · AFSL 562647
Accredited SMSF Association Specialist
Common Questions

Answers about the income tax calculator.

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  • Which tax rates does this calculator use?
    It applies the Australian resident individual tax rates and the standard Medicare levy current at the time the calculator was last updated. It excludes offsets (such as LITO), HELP repayments, and the Medicare levy surcharge, so your actual position may differ.
  • How can I legally reduce the tax I pay?
    For most pre-retirees the biggest levers are concessional super contributions, salary sacrifice, deductible expenses and the timing of capital gains. Which combination suits you depends on your income, age and goals — that's personal advice territory.
  • Does it include superannuation contributions?
    No — it estimates tax on your taxable income as entered. If you salary sacrifice into super, your taxable income falls and contributions are taxed at 15% inside the fund instead of your marginal rate; our Super Projection calculator and an advice conversation can show the combined effect.
  • Is this my exact tax bill?
    No. It's an estimate for orientation only — your actual assessment depends on deductions, offsets, levies and your full circumstances. Always confirm with your accountant or the ATO.
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Wealth Designers Advisory Pty Ltd · AFSL 562647 · Advice prepared under the Corporations Act 2001