Australia Tax & Super Calc

About Australia Tax & Super Calc

Estimate your Australian take-home pay in seconds — then dig into super, HECS/HELP, Medicare, GST and more. Australia Tax & Super bundles the calculators most Aussies need into one fast, private, offline app.

⚠️ Independent app — NOT affiliated with, or endorsed by, the Australian Taxation Office (ATO) or the Australian Government. General estimates only; not tax or financial advice.

WHAT YOU CAN WORK OUT

💵 Take-home pay
• Income tax on resident and foreign-resident brackets
• Medicare levy and the Medicare Levy Surcharge
• Low Income Tax Offset (LITO)
• Weekly, fortnightly, monthly and annual pay
• "Package includes super" vs "super paid on top"
• Pay-rise / bonus impact view

🏦 Superannuation
• Super guarantee amount
• Government super co-contribution and LISTO
• Salary packaging and novated-lease basics

🎓 HECS / HELP
• Compulsory repayment estimate by income
• Indexation and balance projection
• Full repayment-threshold table

🧾 Tools
• GST calculator (add or remove 10%) and ABN sole-trader income
• Work-from-home fixed-rate deduction
• Capital gains estimate with the 50% discount
• PAYG instalment estimate
• Negative-gearing quick view

CHOOSE YOUR FINANCIAL YEAR
Switch between the 2024–25 and 2025–26 financial years, with the super guarantee rate updated for each.

FREE VS PRO
Free includes every calculator, up to 3 saved scenarios and one profile, and shows ads. Pro is a one-time purchase (no subscription) that adds unlimited saved scenarios, scenario comparison, PDF and CSV export, multiple profiles, and removes ads.

PRIVATE & OFFLINE
Works completely offline — no bank linking, no myGov, no sign-in. All inputs stay on your device. Backup and restore to a file, optional payday home-screen widget, light/dark themes and Material You colours.

IMPORTANT — PLEASE READ
This app is an independent tool that provides general estimates only. It is NOT tax or financial advice and is NOT affiliated with, or endorsed by, the Australian Taxation Office (ATO) or the Australian Government. Figures use simplified assumptions (for example a single taxpayer with no other deductions or offsets) and may not match your circumstances. Always verify with the ATO or a registered tax agent.

DATA SOURCES
All figures are based on publicly available ATO schedules. Official sources:
• Income tax rates: https://www.ato.gov.au/tax-rates-and-codes/tax-rates-australian-residents
• Medicare levy & surcharge: https://www.ato.gov.au/individuals-and-families/medicare-and-private-health-insurance/medicare-levy
• Low Income Tax Offset: https://www.ato.gov.au/individuals-and-families/income-deductions-offsets-and-records/tax-offsets/low-and-middle-income-earner-tax-offsets
• Super guarantee: https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/super-guarantee
• Super co-contribution & LISTO: https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/how-to-save-more-in-your-super/government-super-contributions
• HECS/HELP thresholds: https://www.ato.gov.au/tax-rates-and-codes/study-and-training-support-loans-rates-and-repayment-thresholds
• GST: https://www.ato.gov.au/businesses-and-organisations/gst-excise-and-indirect-taxes/gst
• Capital gains tax: https://www.ato.gov.au/individuals-and-families/investments-and-assets/capital-gains-tax
• PAYG instalments: https://www.ato.gov.au/businesses-and-organisations/income-deductions-and-concessions/payg-instalments
• Working from home: https://www.ato.gov.au/individuals-and-families/income-deductions-offsets-and-records/deductions-you-can-claim/working-from-home-expenses
• Rental & negative gearing: https://www.ato.gov.au/individuals-and-families/investments-and-assets/residential-rental-properties

Questions or feedback? Email [email protected]