Australia Tax and Pay Guides 2026-27
Plain-English guides to Australian tax and pay, with accurate figures for the 2026-27 financial year.
HECS/HELP Repayments 2026-27 Explained
How the new marginal HELP repayment system works: thresholds, rates, the 10% cap and how salary sacrifice affects your repayment income.
Australian Tax Brackets 2026-27 Explained
The 2026-27 brackets with the new 15% rate, LITO, Medicare levy and the legislated 2027-28 cut, with worked examples.
Superannuation in 2026-27: The 12% Basics
How Australian super works: the 12% guarantee, Payday Super from July 2026, salary sacrifice vs after-tax contributions, and the caps that matter.
Tax-Free Threshold Explained 2026-27
Australia's $18,200 tax-free threshold: who should claim it, what happens on a second job and why the annual tax is the same anyway.
Working Holiday Maker Tax 2026/27
The 15% flat rate on the first $45,000, Medicare exemption, super and how to claim DASP when you leave.
Medicare Levy 2026-27: Rate, Thresholds and Surcharge
The 2% Medicare levy, the $28,011 low-income threshold, shade-in rate and the 1-1.5% surcharge for high earners without private hospital cover.
Low Income Tax Offset Australia 2026-27
LITO 2026-27: up to $700 for incomes under $37,500, phasing out to zero at $66,667. How it combines with the tax-free threshold to protect low earners.
Salary Sacrifice Australia 2026-27: Super and Benefits
Salary sacrifice to super cuts your taxable income and attracts only 15% contributions tax. The $30,000 concessional cap, Division 293, and novated leases.