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  • Income tax estimator

    This calculator will help you work out your tax refund or debt estimate. It can be used for the 2015–16 to 2021–22 income years.

    On this page

    Before you use the calculator

    For the 2019–20 to 2021–22 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.

    The calculated results are based on the information you provide at the time of the calculation. You should use these results as an estimate and 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 2021–22

    Low and middle income tax offset

    The low and middle income tax offset is available for the 2018–19, 2019–20,2020–21 and 2021–22 income years and is in addition to the low income tax offset if:

    • you are an Australian resident for tax purposes, and
    • your taxable income is in the appropriate income range.

    As announced in the 2022–23 federal Budget, the low and middle income tax offset has been increased by $420 for the 2021–22 income year. The base amount for the 2021–22 income year has increased to $675 and the full amount is $1500. If your taxable income is less than $126,000, you will get some or all of the low and middle income tax offset.

    The offset does not reduce your Medicare levy, but it reduces the income tax you pay, even down to zero.

    You do not need to claim this offset; we will work it out for you.

    For more information, see Low and middle income earners.

    Working holiday makers and non-discrimination article (NDA) country

    Eligible working holiday makers (WHMs) may be taxed on the same basis as a resident Australian national if you satisfy all the following – you are:

    > the holder of a visa subclass 417 Working Holiday or 462 Work and Holiday

    > a resident of Australia for tax purposes for the whole or part of the income year

    > from one of the following non-discrimination article (NDA) countries

    • Chile
    • Finland
    • Germany (for 2017–18 and later income years)
    • Israel (for 2020–21 and later income years)
    • Japan
    • Norway
    • Turkey
    • United Kingdom.

    You are a WHM if you have a visa subclass of:

    • 417 Working Holiday
    • 462 Work and Holiday (backpackers)
    • 408 (Pandemic eventExternal Link), where it was granted on or from 1 July 2019 to allow you to remain in Australia following the expiry of a 417 or 462 or certain bridging visas.

    The income tax estimator will ask you specific questions relating to your residency status including if you are a WHM and if you are from non-discrimination article (NDA) country.

    Information you need for this calculator

    • 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.

    When you can't use this calculator

    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.

    Access the calculator

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

    Simple tax calculator

    Use the Simple tax calculator to work out just the tax you owe on your taxable income for the full income year.

    Last modified: 01 Jul 2022QC 16693