Free tool · Year ended 30 June 2026

What's my tax refund — or bill — for 2025–26?

Most calculators assume you're a resident on a salary. This one asks who you actually are first — resident, foreign resident or working holiday maker — then works through your return the way we would: income, deductions, Medicare, HELP, and what's already been withheld.

1. Your tax status for 2025–26 Australian resident for tax purposesMost people living and working here, including many visa holders Working holiday maker (visa 417 or 462)Taxed at WHM rates on that income, whatever your residency Foreign residentNo tax-free threshold, no Medicare levy

2. Income for the year Gross salary & wages (before tax, from your income statement) Tax already withheld (the PAYG amount on your income statement) Other taxable income (interest, dividends, business, rent, capital gains — optional) Franking credits on dividends (optional — these are refundable)

3. Deductions Work-related deductions (car, travel, tools, self-education, home office…) Other deductions (donations, income protection, last year's tax agent fee, personal super contributions…)

Not sure what you can claim? That's exactly the conversation a return with an agent starts with — most people under-claim rather than over-claim.

4. Family situation, health cover & study loans

Your situation at 30 June 2026 — this decides which Medicare levy surcharge threshold applies to you.

No spouse and no dependantsSingle threshold applies, tested on your income I had a spouse (married or de facto)Family threshold applies, tested on your combined income No spouse, but I had dependent childrenFamily threshold applies, tested on your income

Private hospital cover

I had private hospital cover for the full year I didn't — or not for the whole year

Extras-only (dental, optical) cover does not count — it must be hospital cover, with an excess of $750 or less for singles.

Study loans

I have a HECS-HELP or other study loan debt