Income Tax and PAYG Hub
Salary tax breakdowns, PAYG withholding, pay frequency conversions, bonus tax, and second-job rules.
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Articles in this hub · 31
Time Off in Lieu (TOIL) in Australia: How It Works and When It's Taxed
TOIL lets you take paid time off instead of overtime pay under some awards and agreements. How the written-agreement rule works, the two accrual models, and what happens to unused TOIL at termination.
Voluntary Redundancy Tax Australia: Genuine or ETP
Accepting a redundancy offer can still get genuine-redundancy tax treatment. The 2026-27 tax-free limit, what counts as an ETP, and what to weigh first.
HELP / HECS 1 June 2026 Indexation: Rate, Calculation & Last-Minute Repayment Decision
When ATO indexes your HELP/HECS debt on 1 June 2026, how to know if a voluntary lump-sum repayment beats keeping the money in your offset.
Sharing Economy Reporting Regime 2025-26: How Uber, Airbnb & Hipages Now Report Your Income to the ATO
SERR forces platforms to report your gross income to the ATO twice a year — how it pre-fills your tax return, what to do if it doesn't match your records, and the deduction trap that catches new sharing-economy earners.
Medicare Levy Low-Income Thresholds Raised 2.9% — Retroactive to 1 July 2025
Budget 2026 lifted Medicare levy low-income thresholds by 2.9%, retroactive to 1 July 2025 (the start of the 2025-26 income year). Singles threshold $27,222→$28,011; family $45,907→$47,238; seniors single $43,020→$44,268; seniors family $59,886→$61,623; per dependant $4,216→$4,338.
Starting a New Job in Australia — TFN, HELP, Super and Pay Setup Checklist (2025-26)
The first 30 days at a new Australian employer set your tax for the next 12 months. TFN declaration, HELP loan continuity, choosing your super fund (or letting MyGov auto-choose), consolidating multiple accounts, and how to spot wrong PAYG withholding before it costs you.
PAYG Instalments: How to Vary Before EOFY 2025-26 If Your Income Dropped (ATO)
Sole traders, investors and business owners can vary or suspend PAYG Instalments mid-year if circumstances change. Deadlines, the variation process, how the ATO calculates GIC if you under-estimate, and a worked example.
Childcare Subsidy and Family Tax Benefit: How They Interact with Your Tax Return
How CCS and FTB are calculated, how they reconcile against your tax return, and the key deadlines and traps to avoid in 2026-27.
HECS-HELP Repayment: How the Marginal System Works
How the marginal HELP repayment system works — HECS thresholds, tiers, monthly impact, and salary sacrifice interaction.
Pay Comparison Methodology: What the Scenario Engine Includes
Review the assumptions, inclusions, and boundaries behind the AusTaxTools Pay compare engine for Australian salary, bonus, HELP, sacrifice, and contractor scenarios.
Salary Sacrifice Explained: How Concessional Contributions Affect Your Pay
Guide to concessional contributions, the $30k cap, Division 293, HELP repayment income, and Medicare levy surcharge.
27 Fortnights in a Year: Why PAYG Can Look Short in Australia (2025-26)
A practical guide to why a 27th fortnightly pay can leave too little tax withheld, when the ATO extra withholding table matters, and what to check next.
Can You Salary Sacrifice a Bonus in Australia? (2025-26)
If you are about to receive a bonus, this guide explains when you can salary sacrifice it into super, when it is too late, and which calculator to use before payday.
How Unused Leave Is Taxed on Redundancy in Australia (2025-26)
See why unused annual leave and long service leave are not part of the tax-free redundancy amount, how they are reported, and which calculator to use next.
Will You Get Bonus Tax Back in Australia? (2025-26)
If your bonus looked taxed too high on the payslip, this guide explains when the extra withholding can come back as a refund and when it does not.
How to Check Tax on a Fortnightly Payslip in Australia (2025-26)
Use this practical checklist to compare PAYG tax on a fortnightly payslip with the ATO tax table, and understand when a difference is normal.
Tax on $300,000 Salary in Australia (2025-26): What Changes at This Income?
A practical guide to tax on a $300,000 salary in Australia for 2025-26, including top-bracket exposure, Medicare levy, and which calculator to use next.
Genuine Redundancy vs ETP: What Stays Tax-Free? (Australia 2025-26)
Verified guide to what counts as a genuine redundancy payment, what is excluded, and how the excess is taxed as an employment termination payment.
Medicare Levy Low-Income Reduction Explained (Australia 2025-26)
Verified guide to when low-income earners pay less or no Medicare levy, how the shade-in range works, and why the MLS is a separate test.
What Private Health Cover Avoids Medicare Levy Surcharge? (Australia 2025-26)
Verified guide to what counts as appropriate private hospital cover for Medicare Levy Surcharge, when extras-only cover fails, and how the 2025-26 MLS thresholds work.
Fortnightly Pay to Annual Salary (Australia): 26-Pay Conversion Guide
How to convert fortnightly pay into annual salary and estimate tax correctly for Australian payslips and budgeting.
Hourly Rate to Annual Salary (Australia): Full-Time and Part-Time Method
Convert hourly wages to annual salary using realistic weekly hours, then estimate tax and take-home pay in Australia.
Monthly Pay to Annual Salary (Australia): 12-Month Tax Estimation
Convert monthly pay to annual salary, then estimate tax and take-home pay with Australian resident tax rates.
Why Overtime Seems Taxed More in Australia (It Is Usually Withholding)
Overtime often appears taxed at a higher rate due to PAYG withholding calculations. Learn how final annual tax is actually assessed.
Second Job Tax in Australia: Why Extra Income Is Withheld Higher
Understand why second jobs often withhold more PAYG tax, and how final tax is calculated across all income sources.
Tax on $120,000 Salary in Australia (2025-26): Net Pay and Marginal Rate
How much tax you may pay on a $120,000 salary in 2025-26, including Medicare levy and common factors that change take-home pay.
Tax on $150,000 Salary in Australia (2025-26): How Much Do You Keep?
Estimate tax on a $150,000 salary in 2025-26 and see how super contributions, deductions, and HELP can change your net pay.
Tax on $90,000 Salary in Australia (2025-26): Take-Home Pay Guide
A practical breakdown of income tax, Medicare levy, and estimated take-home pay on a $90,000 salary in 2025-26.
Weekly Pay to Annual Salary (Australia): Correct Conversion and Tax Check
Convert weekly pay to annual salary correctly, then estimate tax and take-home pay using Australian resident tax settings.
2025-26 HELP Repayment Rates Explained
See the 2025-26 HELP repayment thresholds and how the new marginal system charges you only on income above each threshold — no more cliff effect.
PAYG vs Estimated Tax: Why They Don't Match
Your PAYG summary rarely equals the tax calculated at lodgement. Learn how withholding tables work, what adjustments the ATO adds, and how to forecast the gap.