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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 2020–21 income years.

    For the 2020–21 and 2019–20 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.

    On this page:

    Before you use the calculator

    The calculated results are based on the information you provided 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 2020–21

    Low and middle income tax offset

    The low and middle income tax offset is available for the 2018–19, 2019–20 and 2020–21 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.

    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.

    Travel expenses for residential investment property

    From 1 July 2017, travel expenses relating to a residential investment property are not deductible. For more information, see Rental properties – travel expenses.

    COVID-19 Measures and support

    Specific measures and support are available for individuals impacted by COVID-19. For more information, see COVID-19 general information.

    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 in excess of your concessional contributions cap.

    Access the calculator

    Simple tax calculator

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

    Last modified: 01 Jul 2021QC 16693