Income Tax Calculator — Value Lending

Your Income

Gross Income

Pay Frequency

Income includes super Check this if your stated amount is a total package inclusive of super

Your Situation

Claim the tax-free threshold Uncheck if this is a second job where you don't claim it I have a HELP / HECS debt Includes HELP, VSL, SFSS, SSL, TSL and AASL loans I have private hospital cover Uncheck to include the Medicare Levy Surcharge if eligible

Additional (Optional)

Annual Bonus

Salary Sacrifice

Super Rate

Note: Uses 2025–26 ATO rates for Australian residents. Figures are estimates only — other offsets, deductions or tax circumstances may apply. Speak with your accountant for advice specific to you.

Income Tax Calculator — Value Lending

Where Your Pay Goes

Breakdown of your gross package per year

Take-Home

0% of gross

Income Tax by Bracket

How much tax you pay at each marginal rate

Pay Period Breakdown

Figures shown per period

Item	Annually	Monthly	Fortnightly	Weekly	Hourly

Save your results

Print or save as PDF — formatted to A4 with your inputs included.

Planning your next move?

Understanding your borrowing capacity starts with your net income. For a full assessment of how much you can borrow based on your current situation, speak with Value Lending.

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This calculator provides indicative estimates for Australian tax residents only, based on 2025–26 ATO tax rates. Calculations include income tax, Medicare levy, Low Income Tax Offset (LITO), Medicare Levy Surcharge where applicable, HELP/HECS repayments, and superannuation guarantee. The calculator assumes a single person with no dependants and doesn't account for all tax offsets, deductions, fringe benefits, or complex tax situations. This tool does not constitute financial, taxation or credit advice. For advice specific to your circumstances, consult a registered tax agent or financial adviser. Value Lending Pty Ltd is a Corporate Credit Representative (515167) of Connective Credit Services Pty Ltd (ACL 389328).