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Income tax estimator

Work out your tax refund or debt estimate for the 2015–16 to 2022–23 income years.

Last updated 29 June 2023

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Income tax estimator

Our calculator will take between 15 and 25 minutes to use.

What you can do with the calculator

For the 2019–20 to 2022–23 income years the calculator will estimate your tax payable and calculate your:

  • Medicare levy surcharge
  • Income Contingent Loan (ICL) repayments – study and training loan repayments, including Higher Education Loan Program (HELP), Student Start-up Loan (SSL), Student Financial Supplement Scheme (SFSS) and Trade Support Loan (TSL)
  • any tax offsets that may apply.

For income years before 2019–20 the calculator will estimate your tax payable and calculate your:

  • Medicare levy surcharge
  • HELP, SSL or TSL repayment
  • SFSS repayment
  • any tax offsets that may apply.

It will take these, along with other tax credits, into account when estimating your tax refund or debt.

Your estimate is based on the information you provide at the time of the calculation. It doesn't include any outstanding balance or debts (including debts on hold) you have with us. Use the result for guidance purposes only.

The exact amount of your tax payable or refund can only be calculated upon lodgment of your income tax return.

What's new for 2022–23

Find out what's new for 2022–23.

LMITO has ended

Low and middle income tax offset (LMITO) ended on 30 June 2022.

Your tax return outcome may be different this income year. You may have a lower refund (less than when LMITO was available) or you may receive a tax bill. See Why your tax return outcome may change in 2023.

If you still need to lodge a tax return for income years 2018–19 to 2021–22, you may receive the Low and middle income tax offset if eligible.

Credit for interest on early payments

From 2022–23 the calculator will not include calculations for interest on early payment credit amounts. We have automated the calculation and payment of IEP entitlements for eligible early payments.

What you will need

  • Total gross income payments you received.
  • Total amount of tax that was withheld.
  • Total amount of deductions to claim.
  • Your residency status for taxation purposes.
  • Details of your tax credits and any tax offsets you are entitled to claim.

You may need additional information, depending on your circumstances and what you choose to calculate.


You will not be able to use this calculator if you:

  • had a spouse for only part of the year
  • had an employment termination payment
  • had a lump sum payment in arrears
  • had a lump sum payment because you retired or finished working in a job
  • were under 18 years and had unearned income such as interest, dividends or other investment income
  • received credit for any tax paid by a trustee
  • had exempt foreign employment income
  • had an amount released under the First home super saver scheme
  • had income that was subject to averaging
  • had superannuation concessional contributions more than your concessional contributions cap.

What else you can do

You can also use the Simple tax calculator to work out just the tax you owe on your taxable income for the full income year.