Monthly Tax Table Lookup — Check Your Withholding Instantly
Enter your gross monthly salary to see the PAYG amount that should be withheld under the 2026-27 rates, including the study loan (STSL) component if you have a HECS-HELP debt.
Your monthly withholding
Annual equivalent: $78,000 gross. See the full annual breakdown
Monthly Tax Table 2026-27
The table below lists PAYG withholding for common monthly salaries under the 2026-27 resident rates — claiming the tax-free threshold, claiming it with a study loan, and not claiming it. Monthly pay cycles (12 pays a year) are most common in salaried professional roles.
| Monthly Gross | Withheld (Tax-Free Threshold) | Withheld (TFT + STSL) | Withheld (No TFT) | Take-Home (TFT) |
|---|---|---|---|---|
| $1,500 | $0 | $0 | $225 | $1,500 |
| $2,000 | $14 | $14 | $300 | $1,986 |
| $2,500 | $112 | $112 | $438 | $2,388 |
| $3,000 | $224 | $224 | $625 | $2,776 |
| $3,500 | $328 | $328 | $785 | $3,172 |
| $4,000 | $467 | $467 | $945 | $3,533 |
| $4,500 | $634 | $634 | $1,105 | $3,866 |
| $5,000 | $802 | $802 | $1,265 | $4,198 |
| $5,500 | $969 | $969 | $1,425 | $4,531 |
| $6,000 | $1,130 | $1,193 | $1,585 | $4,870 |
| $6,500 | $1,290 | $1,428 | $1,745 | $5,210 |
| $7,000 | $1,450 | $1,663 | $1,905 | $5,550 |
| $7,500 | $1,610 | $1,898 | $2,065 | $5,890 |
| $8,000 | $1,770 | $2,133 | $2,225 | $6,230 |
| $8,500 | $1,930 | $2,368 | $2,385 | $6,570 |
| $9,000 | $2,090 | $2,603 | $2,545 | $6,910 |
| $10,000 | $2,410 | $3,073 | $2,884 | $7,590 |
| $11,000 | $2,730 | $3,554 | $3,274 | $8,270 |
| $12,000 | $3,103 | $4,097 | $3,664 | $8,897 |
| $13,000 | $3,493 | $4,657 | $4,054 | $9,507 |
| $15,000 | $4,273 | $5,773 | $4,888 | $10,727 |
*Derived from the annualised ATO formulas; the printed ATO table may differ by a few dollars due to coefficient rounding. Calculate your exact monthly pay here.
How to Read the Monthly Tax Table
Match your gross monthly salary to the nearest row, then choose the column that matches your TFN declaration. The ATO converts monthly earnings to weekly equivalents behind the scenes (monthly × 12 ÷ 52), which is why monthly amounts are not exactly weekly figures multiplied by four:
- Tax-free threshold claimed — the standard column for your main job.
- STSL column — adds the compulsory study loan repayment; at $8,000 a month it adds about $363 per pay.
- No tax-free threshold — for a second job, withholding applies from the first dollar.
Salary sacrifice reduces the gross amount the table is applied to — if you sacrifice into super or a novated lease, your withholding is calculated on the post-sacrifice figure. See the salary sacrifice calculator for the combined effect.
Paid weekly or fortnightly instead?
Each pay cycle has its own ATO table with different withholding amounts.
Weekly tax table Fortnightly tax tableHow Much Tax Is Withheld From Your Monthly Salary?
Under the 2026-27 monthly tax table, withholding at $6,500 a month (a $78,000 salary) is about $1,290 — roughly 20% of gross. At $8,000 a month ($96,000 a year) it rises to about $1,770 (22%), because every dollar above the annualised $45,000 threshold is withheld at 30% plus the Medicare levy. Model your own salary in the income tax calculator or see the full marginal scale in the tax brackets guide.
What Changed in the Monthly Tax Table for 2026-27?
From 1 July 2026 the marginal rate on income between $18,201 and $45,000 fell from 16% to 15%, so the reissued monthly table (NAT 1007) withholds up to about $22 less per month than 2025-26 for anyone earning $45,000 a year or more. A further cut to 14% is legislated for 1 July 2027 — see our 2026-27 tax changes guide.
Frequently Asked Questions
How this calculator works▼
Withholding amounts are derived by annualising monthly earnings (× 12) and applying the FY2026-27 resident tax scale (15% rate on $18,201–$45,000 from 1 July 2026), the Low Income Tax Offset, and the Medicare levy with low-income shading, then dividing back to a monthly amount — the same architecture as the ATO Statement of Formulas (NAT 1004). Printed ATO tables may differ by small rounding amounts. Always verify payroll-critical figures against the current ATO publication.
Sources & References
- 1Monthly tax table (NAT 1007)— Australian Taxation Office
- 2Tax tables overview— Australian Taxation Office
- 3Statement of formulas (NAT 1004)— Australian Taxation Office
Last verified: 14 March 2026. Our content is based on the latest information from official Australian government sources.
James Harrington
Verified AuthorSenior Tax & Payroll Analyst
CPA, Registered Tax Agent (25787011)
James is a CPA-qualified tax professional with over 14 years of experience in Australian taxation and payroll systems. He spent six years at the Australian Taxation Office working on PAYG withholding and individual tax return processing before moving into financial publishing. He now leads the tax content at Pay Calculator Australia, translating complex ATO legislation into clear, actionable guidance.
Areas of Expertise