Tax Withheld Calculator
Check how much PAYG tax should come out of your pay each period.
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Enter a pay amount above to see your withholding estimate.
PAYG withholding estimates use ATO published tax rates for FY2025–26. Actual withholding may differ based on your tax file declaration, offsets, and employer payroll software. General information only — not financial advice. Consult a registered tax agent or visit ASIC MoneySmart.
Frequently asked questions
How much tax should be withheld from my pay in Australia?
It depends on your annual income and pay frequency. For a fortnightly gross pay of $3,000 (roughly $78,000/year), expect around $590–$630 withheld per fortnight in FY2025–26. Use this calculator to get an estimate based on your exact pay.
What is PAYG withholding?
Pay As You Go (PAYG) withholding is the system where your employer deducts estimated tax from each pay and sends it to the ATO on your behalf. At tax time, the ATO calculates your actual tax liability. If too much was withheld you get a refund; if not enough you owe the difference.
Why is more tax withheld from my second job?
You can only claim the tax-free threshold ($18,200) with one employer. Income from a second job is taxed from dollar one — typically at 16% or higher. This is why second-job income often feels heavily taxed compared to your primary job.
What happens if my employer withholds the wrong amount of tax?
You settle the difference when you lodge your tax return. If too much was withheld you get a refund; if not enough you have a tax debt payable to the ATO. You can ask your employer to withhold more by submitting a new tax file number declaration.