Refund logic shown
See withholding compared with tax, Medicare and selected HELP obligations.
2025–26 ratesATO-based logicPrivate on your device
Free Australia Tax Refund Calculator
Estimate your ATO refund or amount owing with deductions, LITO, Medicare levy and optional HELP repayment shown separately.
Your 2025–26 estimate
Enter your Australian tax details
Private: calculations stay in this browser and are not saved.
Estimated filing result
Enter income and withholding to see an estimate.
Your breakdown
Total income entered$0
Total deductions$0
Taxable income$0
Income tax after LITO$0
Low income tax offset$0
Medicare levy$0
HELP repayment$0
Total estimated liability$0
Estimated after-tax income$0
After-tax income$0 (0%)
Income tax$0 (0%)
Medicare levy$0 (0%)
HELP repayment$0 (0%)
Average liability rate
0.00%
Tax year
2025–26
Explore Australia
One federal income-tax system across every state
Select a state or territory. Australian individual income-tax brackets are federal, so your state does not change the resident rates shown here.
2025–26 resident rates
Federal tax applies nationally
$18,200 tax-free16%–45% rates
How to read this map: it lets you select your location, but the resident income-tax brackets are the same nationwide. Residency, deductions, Medicare and student-loan obligations can still change your estimate.
Also estimating Canadian tax?
Keep the returns separate: Canada uses different tax years, residency rules, deductions and payroll contributions.
Built for clarity
More transparent than a headline refund number
Deductions separated
Work expenses, donations and other deductions remain visible instead of being hidden in one total.
Australia-wide map
Explore every state without incorrectly suggesting that state income-tax rates differ.
No sales funnel
No account, email, insurance quote or tax-agent referral is required.
How the Australian refund estimate works
For Australian residents, the calculator applies the 2025–26 tax-free threshold and progressive rates, then reduces income tax by the low income tax offset where eligible. It estimates the ordinary Medicare levy using the low-income phase-in and can add an optional compulsory HELP repayment. The estimated filing balance is PAYG tax already withheld minus these calculated liabilities.
Learn before you lodge
Australian tax guides and examples
Understand what each calculator input means, which records to collect and why the final ATO result can differ.
Estimate your tax refund
Learn how an Australian tax refund is calculated from taxable income, PAYG withholding, deductions, Medicare levy and HELP repayments, with a worked example.
Read guide →
PAYG withholding vs final tax
Understand why PAYG tax withheld from Australian payslips can differ from your final tax bill and what commonly creates a refund or amount owing.
Read guide →
Work-related deductions
A practical guide to Australian work-related deductions, the three basic ATO rules, private-use apportionment, records and realistic examples.
Read guide →
HELP repayment and tax
See how compulsory HELP repayments can affect an Australian tax refund, why repayment income differs from taxable income and why payroll withholding may not be enough.
Read guide →
Medicare levy explained
Understand the ordinary Medicare levy, low-income reduction, exemptions and how the levy can change an Australian tax refund estimate.
Read guide →
Tax residency and rates
Compare Australian resident, foreign resident and working holiday maker tax treatment and learn why visa status, citizenship and tax residency are not identical.
Read guide →
Worked examples
Example: estimated ATO refund
If $22,000 was withheld and the calculator estimates $19,300 of income tax, Medicare levy and selected repayments, the estimated refund is $2,700.
Example: estimated amount owing
If withholding is $15,000 but estimated liabilities total $17,400, the result is $2,400 owing to the ATO.
Example: work deduction
A $1,000 eligible deduction reduces taxable income by $1,000. It does not automatically create a $1,000 refund; the tax effect depends on your marginal rate.
Example: HELP repayment
Selecting HELP adds an estimated compulsory repayment when income exceeds the applicable threshold. Actual repayment income can include adjustments not collected by this quick tool.
What is included—and what is not
IncludedNot included
- Resident, foreign-resident and working-holiday rates
- LITO for eligible residents
- Ordinary Medicare levy and low-income reduction
- Optional HELP repayment estimate
- Entered deductions and PAYG withholding
- Medicare levy surcharge
- SAPTO and family-specific thresholds
- Franking credits and capital-gains schedules
- Private health insurance adjustments
- Complex foreign, trust or rental situations
ATO resident tax rates ↗
Official individual income-tax brackets and rates.
Low income tax offset ↗
Official LITO eligibility and calculation guidance.
Medicare levy ↗
Official levy, reduction and exemption guidance.
Important: This is an educational estimate, not tax advice or tax-return software. Confirm your filing result in ATO myTax or with a registered tax agent.
Frequently asked questions
Is this Australia tax refund calculator free?+
Yes. It is free, requires no account and calculates locally in your browser.
Does Australia have state income tax?+
No. Individual income tax is federal, so the same federal schedule applies across Australian states and territories.
What creates a tax refund?+
A refund may arise when PAYG tax withheld and instalments exceed estimated income tax, Medicare levy and other included repayment obligations.
Does this include the Medicare levy surcharge?+
No. The surcharge depends on income for surcharge purposes, family status and appropriate private hospital cover. This quick estimate includes the ordinary Medicare levy only.
Why could the ATO result differ?+
Your return may include capital gains, franking credits, rental schedules, private health adjustments, spouse details, offsets, foreign income, exemptions or other items not collected here.