Estimate the refund or bill before you lodge

Bring salary, withholding, deductions and offsets together to estimate the assessment outcome on the 2026–27 resident rules.

Tax Return

AU-2026.27-v1

Salary and wages

PAYG tax withheld

Other income

Work-related deductions

Gifts and donations

Household

Dependent children

Private hospital cover

Held all year

HELP or student loan

Debt held at 1 July

Estimated amount owing

—

Taxable income

$150,200

Total tax assessed

—

Effective rate

—

Gross tax

—

LITO

—

Medicare

—

HELP

—

Withheld

$41,500

Assessable income$153,800

Deductions claimed−$3,600

Taxable income$150,200

Tax on taxable income—

Low income tax offsetNot eligible

Medicare levyExempt, below threshold

Medicare levy surchargeNot payable, cover held

HELP repaymentNo debt

Total assessed—

PAYG withheld−$41,500

Resident 2026–27 rules: brackets 0 / 15 / 30 / 37 / 45%, LITO up to $700 tapering to nil at $66,667, Medicare levy nil below $28,011 and shaded in to $35,014, surcharge tiers from $105,000 single and $210,000 family plus $1,500 per extra child. Not modelled: SAPTO, foreign income, capital gains, franking credits, Division 293 and PAYG instalments.

Estimates only, on published Australian rules for the selected tax year — not tax, legal or financial advice.

Home / Calculate / Tax Return

This section answers one question: what actually lands in your account. Enter a salary, an hourly rate or a payslip figure and PayLens applies the 2026–27 resident rules, the Medicare levy, HELP and employer super, then shows every assumption it used so you can check the working line by line.

Tools in this section

Pay CalculatorGross to net with residency, HELP, super and packaging controls.
Take-Home PayOne salary field, one answer, for a quick sanity check.
Net to GrossWork back from the take-home you need to the salary that delivers it.
Payslip CheckerCompare a real payslip against the rules for your pay period.

How Tax Return works

Bring salary, withholding, deductions and offsets together to estimate the assessment outcome on the 2026–27 resident rules.

What you enter

✓Income and withholding

✓Deductions

✓Offsets and HELP

What you get

✓Estimated refund or bill

✓Effective tax rate

✓Line-by-line workings

Applied Rule Set AU-2026.27-v1

Tax year2026–27

ResidencyAustralian resident

Medicare levyApplied, 2%

HELP treatmentNo debt held

Employer super12% on top of base

Rules verified21 Aug 2026

Sources: ATO individual income tax rates, Medicare levy and study and training loan thresholds; Federal Register of Legislation. Not modelled: offsets, deductions, Division 293, the Medicare levy surcharge or part-year employment.

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Related guides

Australian income tax, explainedThe brackets, your effective rate and where your salary sits.
Why your payslip tax rarely matches your final taxHow PAYG withholding is estimated each pay run.
The Medicare levy, the surcharge, and the exemptionsWho pays, when it is reduced and how the surcharge differs.