A simple estimate of your Australian tax refund or bill, from your income, total deductions and the tax already withheld by your employer.
Uses ATO resident tax rates for 2025–26 and 2026–27 · last reviewed October 2026
⚠ This is not tax advice. The information on this page is general in nature and doesn't take your personal circumstances into account. It's a plain-English summary of ATO guidance as at October 2026, and rates and rules change each income year. Before you rely on it, check the linked ATO page or speak to a registered tax agent. Lodgya is a record-keeping tool and is not a registered tax agent.
Your taxable income is your income minus deductions. Income tax is worked out from the ATO resident tax rates, then the low income tax offset is subtracted and the Medicare levy is added. The result is compared with the tax already withheld: if more was withheld than you owe, the difference is your estimated refund.
ATO: Tax rates – Australian residents · Low income tax offset
It assumes you were an Australian resident for the full year and entitled to the full tax-free threshold. It doesn't include:
For 2026–27, the Medicare levy uses the 2025–26 low-income thresholds until the ATO publishes new ones. For an official estimate, use the ATO's own Income tax estimator.
A deduction reduces your taxable income, not your tax directly. Its value is roughly the deduction multiplied by your marginal tax rate plus the 2% Medicare levy. For example, at the 30% rate a $1,000 deduction reduces tax by about $320. The calculator shows your marginal rate above.
ATO: Claiming deductions
Lodgya tracks your income, deductions, receipts, work-from-home hours and car trips all year, then gives you a clean report at tax time.
General information only, not tax advice. See our full note and disclaimer.