Australia Income Tax + Medicare + HECS

FY 2025/26 — Stage 3 brackets, 2% Medicare Levy (phased between $26K–$32.5K), and optional HECS-HELP compulsory repayment across the ATO 18-band schedule.

Inputs

Gross annual income

Taxable income before tax / Medicare / HECS.

HECS-HELP debt?

Compulsory repayment based on your repayment income (gross income approximation here).

Result

Total tax + Medicare + HECS

$16,388

Effective rate 20.48%

Take-home pay

$63,612

$5,301 per month

Breakdown

Gross income$80,000

Income tax$14,788

Medicare Levy (2%)$1,600

HECS-HELP repaymentn/a

Bracket-by-bracket (income tax only)

Rate	Income in band	Tax in band
0%	$18,201	$0
16%	$26,800	$4,288
30%	$35,000	$10,500

Excludes Low Income Tax Offset (LITO), Senior Australians and Pensioners Tax Offset (SAPTO), private health insurance rebates, and other offsets. HECS uses gross income as a repayment-income approximation. Verify with ato.gov.au for official figures.

Same deterministic math runs as a Python package, an MCP server for AI agents, and on this page. No API keys, no network — pure stdlib.

$ pip install calcnook $ uvx calcnook-mcp

>>> from calcnook.countries.au.income_tax import calculate
>>> r = calculate(80_000)
>>> round(r.income_tax, 2)
14788.0