Tax refund calculator 2025–26
Estimate your 2025–26 tax refund or tax bill in seconds. Based on official ATO rates for residents, part-year residents, foreign residents and working holiday makers.
Enter your income and the tax withheld to see your estimate.
Tax payable by income, 2025–26 (full-year residents)
Income tax plus Medicare levy, after the low income tax offset. No deductions, no HELP debt.
| Taxable income | Total tax | Average rate |
|---|---|---|
| $18,200 | $0 | 0.0% |
| $25,000 | $388 | 1.6% |
| $30,000 | $1,387 | 4.6% |
| $40,000 | $3,713 | 9.3% |
| $50,000 | $6,538 | 13.1% |
| $60,000 | $9,888 | 16.5% |
| $70,000 | $13,188 | 18.8% |
| $80,000 | $16,388 | 20.5% |
| $100,000 | $22,788 | 22.8% |
| $120,000 | $29,188 | 24.3% |
Your refund is the tax withheld by your employers minus the total tax above. Source: ATO resident tax rates (26 October 2026). Medicare levy is 2%, reduced for taxable income below $35,013.
Frequently asked questions
How accurate is this calculator?
It applies the ATO’s 2025–26 tax rates, the low income tax offset and the Medicare levy (including the low-income reduction). It doesn’t include HELP/HECS repayments, the Medicare levy surcharge, other offsets or family thresholds, so treat the result as an estimate. Your final result is calculated by the ATO when you lodge.
Why might I get a refund?
Employers withhold tax each pay as if you earned that amount all year. If you worked part of the year, had deductions or are entitled to offsets, you may have paid too much and get the difference back.
I am a working holiday maker. How am I taxed?
Working holiday makers (subclass 417 and 462) pay 15% on the first $45,000 and then ordinary rates. They don’t get the tax-free threshold. See the ATO WHM rates.
When can I lodge my tax return?
The Australian financial year ends on 30 June. You can lodge from July; if you lodge yourself, the deadline is usually 31 October. Registered tax agents can lodge later under their lodgment program.
Do you prepare tax returns?
No. We help with TFN and ABN applications only. You can lodge for free with myTax on the ATO website, or use a registered tax agent (check the TPB register).
Ready to get your TFN?
Complete our guided form in minutes. We check everything before it reaches the ATO.
Prefer to do it yourself? You can apply for free at ato.gov.au.