Estimate your Australian tax refund or tax bill. Enter your income, deductions, and offsets to see what to expect at tax time.
Updated October 2026Built and checked by MaverickHow it's calculatedReport an error
Expected refund
+$2,972
Tax owed $17,028, tax withheld $20,000
Taxable income
$82,000
From $85,000 gross
Income tax
$15,388
Deductions saved you
$900
at your marginal rate, 2025-26
Refunds grow as work-related claims grow: each $1 deducted saves your marginal rate × $1.
Wondering whether you'll get a tax refund or owe the ATO? The answer depends on how much tax your employer withheld vs how much you actually owe after deductions and offsets. This estimator works it out for 2025-26 (the return lodged from July 2026) or 2026-27, including the low income tax offset and, from 2026-27, the $1,000 standard deduction for work-related expenses.
Half of the Australians who paid tax in 2023–24 had a taxable income under about $71,000, and the top 10% earned more than about $157,000, from the ATO's statistics.
Lisa earned $78,000 in 2025-26, had $17,500 tax withheld, and has $4,200 in deductions (home office, car and subscriptions).
Taxable income: $73,800. Tax on $73,800 at 2025-26 rates: $12,928. Medicare: $1,476. Total tax: $14,404. Tax withheld: $17,500. Estimated refund: $3,096. Lisa's deductions saved her $1,260 of income tax at 30%.
Ryan earned $65,000 salary (tax withheld: $13,000) in 2025-26, plus $8,000 in freelance income (no tax withheld) and $1,500 in bank interest.
Total income: $74,500. Tax at 2025-26 rates: $13,138 + Medicare $1,490 = $14,628. Only $13,000 withheld, so Ryan owes the ATO $1,628. Income with nothing withheld, like freelance work and interest, often leads to a bill.