Are AgoTax calculations accurate for the ATO?

AgoTax uses the current ATO marginal-rate tax tables, the published Medicare levy and LITO rules, the FY 2024-25 HELP repayment thresholds, the MLS single and family income thresholds, and SAPTO single eligibility. Results match the ATO's own income tax estimator within rounding for standard cases.

What is the Australian tax-free threshold?

Australian residents pay no income tax on the first $18,200 of taxable income for FY 2024-25 and FY 2025-26. The 'No Tax-Free Threshold' option removes this — typically used when you have a second job and have already claimed the threshold elsewhere.

How is HELP / HECS calculated in AgoTax?

Repayment income is multiplied by the rate of the bracket it falls in. AgoTax uses taxable income as repayment income and applies the FY 2024-25 step thresholds from $54,435 (1%) up to $156,517+ (10%). FY 2025-26 uses the new marginal-style system.

When does the Medicare Levy Surcharge apply?

MLS adds 1%, 1.25%, or 1.5% to your tax for residents above $97k (single) or $194k (family) without an appropriate level of private hospital cover. AgoTax switches to family thresholds automatically when you tick 'I have a spouse' or set dependant children, and bumps the family threshold by $1,500 per child after the first.

Does AgoTax handle salary sacrifice super?

Yes. Enter the annual sacrifice amount in Advanced options. The amount reduces your taxable income, adds to your super, and is checked against the FY 2024-25 / 2025-26 concessional cap of $30,000. Anything over the cap is added back to taxable income at your marginal rate.

Is my salary information sent anywhere?

No. Every calculation happens client-side in your browser. AgoTax has no backend, no analytics that track individuals, and no telemetry on your salary numbers.

AgoTax — Australian pay & income-tax calculator

AgoTax is a free in-browser pay calculator and income-tax estimator for Australia. Enter your salary at the top of the page and instantly see your take-home pay broken down weekly, fortnightly, monthly, and annually.

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What it covers

FY 2024-25 and FY 2025-26 marginal-rate income tax
Australian Resident, No Tax-Free Threshold, Non-Resident, and Working Holiday Maker
Compulsory superannuation at the year's SG rate, with custom rate override
Medicare levy with low-income reduction
Medicare Levy Surcharge (MLS) with single and family thresholds
Low Income Tax Offset (LITO) and Senior & Pensioner Tax Offset (SAPTO)
HELP / HECS / VET / SSL / TSL student-loan repayment
Salary sacrifice super, voluntary super, bonus, and capital gains
Spouse and dependant children for family income thresholds
Pro-rata FTE multiplier for part-time work
Income percentile, tax distribution by Federal Budget category, and an inflation calculator