Tax Return Estimator

How much tax will you get back?

Estimate your 2025–26 Australian tax refund or bill. Enter your income, deductions, and personal details to get an instant ATO-based estimate.

Gross annual income

Before tax — what's on your contract or payslip

$85,000

$20k$300k

Tax withheld by employer

Auto-calculated from your income — edit if your payslip differs

Work from home

ATO fixed rate: $0.67/hr × 8hrs/day

2 days/week ≈ $558/yr

0 days5 days (full WFH)

Work-related deductions

Receipts required for claims. These reduce your taxable income.

Vehicle & travel Work-related km, not commute

Self-education Courses, books, conferences

Uniform & clothing Compulsory, protective, or logo'd

Tools & equipment Under $300: instant deduct. Over: depreciate

Donations (DGR) Gifts to registered charities

Personal circumstances

Private health insurance (hospital cover) Avoids Medicare Levy Surcharge if earning over $93k

HELP / HECS debt Adds compulsory repayment based on income

Estimated refund

$—

ATO should send this back after you lodge your return

Effective tax rate

—

Calculating...

Income waterfall

Gross income → deductions → taxable income → tax → Medicare → HELP → net take-home

Full tax breakdown

Gross income

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Work from home deduction

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Vehicle & travel deduction

—

Self-education deduction

—

Uniform & clothing deduction

—

Tools & equipment deduction

—

Donations deduction

—

Total deductions

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Taxable income

—

Income tax (ATO 2025–26)

—

Low income tax offset (LITO)

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Medicare levy (2%)

—

Medicare Levy Surcharge

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HELP / HECS repayment

—

Total tax payable

—

Tax withheld by employer

—

Refund (+) / Owe (−)

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Deductions breakdown

Add deductions to see breakdown

Your refund buys you...

☕

—

Flat whites @ $5.50

🐔

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Woolies chooks @ $14

⛽

—

Tank of petrol @ $100

🍺

—

Pub schooners @ $11

🚗

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Uber rides @ $25

🛒

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Weeks of groceries @ $220

Tips to maximise your deductions

🏠

Track every WFH day The ATO fixed rate is $0.67/hr. Even 2 days/week adds up to $558/yr — no receipts needed, just a diary.

📱

Claim your phone & internet If you use your personal phone or internet for work, you can claim a percentage. Typical claim: 25–50% of your plan cost.

📚

Self-education = big claims Courses, textbooks, and professional development directly related to your current job are fully deductible.

❤️

Donate to DGR charities Gifts of $2 or more to Deductible Gift Recipients are fully tax-deductible. Every dollar donated saves you your marginal rate.

🏥

Earning over $93k? Get hospital cover Without private health insurance hospital cover, you'll pay 1–1.5% Medicare Levy Surcharge. Basic cover starts around $30/month.

🗂️

Keep receipts all year The ATO can audit claims up to 5 years back. Use a free app like the ATO's myDeductions to snap receipts on the go.

Disclaimer: This tool provides estimates only based on 2025–26 ATO tax brackets. It does not constitute tax advice. Your actual refund may differ based on your personal circumstances, offsets, and other deductions. Always lodge through myTax or a registered tax agent.