Income tax calculator
Enter a salary and see income tax, levies and take-home pay for the current income year, band by band.
Take-home pay
Estimate$74,080
$6,173 per month
- Tax and levy
- $20,920
- Marginal rate
- 32%
- Average rate
- 22.02%
| Taxable income | $95,000 |
|---|---|
| Income tax | -$19,020 |
| Medicare levy | -$1,900.00 |
| Take-home pay | $74,080 |
Pick your country to see real figures. Everywhere shown here taxes income in bands, so a 30% marginal rate never applies to all of your income.
How this is calculated
How this is calculated
Tax is charged band by band
Each band is taxed at its own rate, so a higher marginal rate applies only to the income above that threshold, never to the whole amount. That is why an average rate of 22% and a marginal rate of 30% describe the same salary.
tax = Σ max(0, min(income, ceiling) − floor) × rateLevies sit alongside the bands
Most systems charge something beyond income tax — a 2% health levy in Australia, national insurance in the UK, FICA in the US. Each country version adds the ones charged there, because leaving them out understates the real rate by several points.
Rates are dated, not eternal
Every country version shows the income year it covers and the date its rates were last verified against the revenue authority — the Australian page covers 2026–27, which began on 1 July 2026. A calculator without those two dates is one you cannot check.
Worked example: The same $95,000 salary, taxed in three places
| Gross salary | $95,000 |
|---|---|
| Country | Choose above |
| Australia | roughly 22% average rate |
|---|---|
| Other markets | Different bands and levies |
The same salary produces materially different take-home pay in each country, because the bands, the levies and the tax year all differ. Only the country version is worth quoting.
What this assumes
- Full-year residency in the selected country.
- Employment income only, no investments.
- No dependants or family offsets claimed.
- Employer pension contributions excluded.
Where this commonly goes wrong
- A marginal rate applies to the next dollar, not to every dollar already earned — the average rate is always lower.
- Employer pension or super contributions usually sit outside the quoted salary, so a package figure and a salary figure are not comparable.
- Tax years do not align: Australia runs 1 July to 30 June, the UK 6 April to 5 April, and most of the rest on the calendar year.
Questions
What is the difference between a marginal and an average rate?
The marginal rate is what your next dollar is taxed at. The average rate is total tax divided by total income, and it is always lower, because the earlier bands were taxed at lower rates. A 30% marginal rate often means an average nearer 22%.
Which country should I pick?
The one you are a tax resident of for the income year, which is not always where you are paid or where your employer is registered. Residency rules differ, and several countries can treat you as resident from part-way through a year.
Does this include social security or health levies?
Each country version includes the charges collected alongside income tax there — the Medicare levy in Australia, national insurance in the UK, FICA in the US. Employer-side contributions paid on top of your salary are excluded.
Why do the tax years not line up?
Because they were set by different legislatures. Australia runs 1 July to 30 June, the UK 6 April to 5 April, and most other countries use the calendar year. Comparing a part-year figure across two systems is rarely meaningful.
How current are these rates?
Every country version shows the income year it covers and the date the figures were last checked against the revenue authority, with links to the source pages. Rates are updated when the authority publishes them, not on a schedule.
Related tools
Sources
General estimate based on published ATO rates for the the current period. Not tax advice, and it does not consider your objectives, financial situation or needs. Confirm your position with the ATO or a registered tax agent.
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