Tax Tools 2026–27 — Unique Accountants

Your income

Annual taxable income — gross pay after deductions.

$ / year

$0$150k$300k+

Residency for tax

Medicare levy2% · single, no dependants

HELP / HECS repaymentCompulsory study-loan repayment

Estimated take-home pay

$—

$— / month · $— / week

Income tax

$—

Medicare levy

$—

Total withheld

$—

Average rate

—

Marginal rate

—

How your income is taxed, dollar by dollar

Each slice is taxed only at its own bracket's rate — that's the marginal system. Hover a band to trace it.

Income band	Rate	Your income here	Tax from band

Where your income goes

Your gross income, split three ways.

Your 2026–27 tax cut

The second bracket dropped from 16% to 15% on 1 July 2026.

$—

less income tax than the 2025–26 rates, at this income.

2025–26 rates

$—

2026–27 rates

$—

What you're claiming

Estimate common work-related deductions. We'll show the tax they hand back.

$ income

Taxable income before deductions — sets your rate

Car for work Cents-per-km · 91¢, max 5,000 km

Working from home Fixed rate · 70¢ per hour

hrs/wk

Self-education & courses

Tools, equipment & devices Items over $300 may need depreciating

Union fees, subscriptions & licences

Donations to charities Registered DGRs only

Other work-related expenses

Estimated tax back

$—

from $— in deductions · about — of every dollar claimed

Taxable income after claims

$—

Tax saved on last dollar

—

Keep the records. The ATO can ask you to substantiate every claim — receipts, a car logbook or diary, and a work-use percentage. Items over $300 usually depreciate rather than deduct in full, and private portions don't count. This is an estimate; bring your figures to us and we'll make sure nothing eligible is left on the table.

Salary sacrifice into super

Contributions are taxed at 15% inside super instead of your marginal rate — often a real saving.

$ salary

Employer super (12%) already uses part of your $32,500 cap

Extra you salary-sacrifice each year

$0cap headroom: $—

You're better off by

$—

a year, versus taking the same money as taxed salary

Lands in your super

$—

Personal tax saved

$—

Contributions tax (15%)

$—

Same cash, after tax

$—

Mind the cap. Concessional contributions (employer super + salary sacrifice + deductible personal contributions) are capped at $32,500 for 2026–27. Go over and the excess is taxed differently. Very high earners may also pay Division 293 tax. Money in super is preserved until retirement. Talk to us before you set this up.

Tax-free threshold

$18,200

Resident income taxed at 0% up to here.

New second bracket

15%

Down from 16% · falls to 14% in 2027–28.

Top marginal rate

45%

On income above $190,000, plus Medicare.

Super Guarantee

12%

Employer contribution on ordinary earnings.

Concessional cap

$32,500

Combined pre-tax super contributions.

Cents per km

91¢

Car method · up to 5,000 work km ($4,550).