Tax Return Calculator Australia
Find out if you'll get money back or owe the ATO when you lodge your tax return. Enter your income, the tax already withheld, and your deductions to estimate your refund.
Uses 2025–26 Australian tax rates. This is an estimate only — your actual refund may differ.
Your total income for the financial year
From your PAYG payment summary or income statement
Work expenses, donations, self-education, etc.
Enter your income and tax withheld to estimate your refund
Throughout the year, your employer withholds tax from your pay based on how much they expect you'll owe. When you lodge your tax return, the ATO calculates your actual tax liability and compares it to what was withheld:
Deductions: Work-related expenses, working from home (70c/hr), self-education, donations, income protection insurance. Up to $300 without receipts (must have spent it). Over $300 requires records.
Multiple income sources: Each payer withholds as if they're your only income source, which can lead to under-withholding.
Tax offsets (private health insurance rebate etc.) reduce your tax payable directly — your actual refund may be higher if eligible.
Common reasons for a tax bill: multiple jobs, investment income with no tax withheld, capital gains, incorrect TFN declaration, HELP debt repayments not withheld.
How is a tax refund calculated?
What deductions can I claim?
Why do I owe tax instead of getting a refund?
When will I get my refund?
What if I can't pay my tax bill?
Tax Accuracy & Sources
Estimates refund or amount owing from income, withholding, and deductions entered. It does not cover all offsets, private rulings, or full return complexity.