# TaxPayCalculator

> Free Australian take-home pay calculator for 2024–25, 2025–26 and 2026–27. Estimate income tax, Medicare, HELP/HECS, super and net pay from hourly through to annual using published ATO rates.

TaxPayCalculator is a static, browser-only estimator. Nothing is saved to an account; last inputs stay in this browser and can be shared with a URL. Figures are estimates only and are not personal tax advice. Default scenario: 2026–27, $95,000 yearly, Australian resident, tax-free threshold claimed, private hospital cover, 12% Super Guarantee on top of ordinary time earnings, no HELP debt. Overtime is taxable but excluded from ordinary time earnings for employer super.

## Pages

- [Take-home pay calculator](https://taxpaycalculator.com.au/): Interactive PAYG calculator with weekly through annual views
- [Australian tax brackets 2026–27](https://taxpaycalculator.com.au/tax-info): Current resident rates, which bracket you are in, tax-free threshold and LITO
- [HELP / HECS repayments](https://taxpaycalculator.com.au/help-hecs): Compulsory student loan repayment rates
- [Medicare levy surcharge thresholds](https://taxpaycalculator.com.au/medicare): MLS calculator, singles thresholds and the 2% levy
- [Privacy Policy](https://taxpaycalculator.com.au/privacy): How the site handles data
- [Terms and Conditions](https://taxpaycalculator.com.au/terms): Use of the calculator

## Optional

- [Fair Work awards](https://www.fairwork.gov.au/employment-conditions/awards/list-of-awards): Confirm overtime loadings in the relevant award
- [Sitemap](https://taxpaycalculator.com.au/sitemap.xml): Indexable HTML pages