Monthly Tax Table 2024-25 and 2025-26: Amount to Withhold by Earnings
Amounts to withhold from monthly earnings for a payment made from 1 July 2024 to 30 June 2026, with the tax-free threshold claimed (ATO column 2) and not claimed (column 3, typical for a second job). The 2% Medicare levy is included. Download the full table as a CSV, or use the lookup further down for an exact amount.
2024-25 and 2025-26: applies to payments made from 1 July 2024 to 30 June 2026. Rows every $250 from $1,500 to $17,500; use the lookup above for an exact amount.
| Monthly earnings | With tax-free threshold | No tax-free threshold | Take-home (threshold) |
|---|---|---|---|
| $1,500 | $0 | $286 | $1,500 |
| $1,750 | $30 | $334 | $1,720 |
| $2,000 | $69 | $381 | $1,931 |
| $2,250 | $117 | $433 | $2,133 |
| $2,500 | $182 | $511 | $2,318 |
| $2,750 | $243 | $594 | $2,507 |
| $3,000 | $290 | $672 | $2,710 |
| $3,250 | $338 | $754 | $2,912 |
| $3,500 | $381 | $836 | $3,119 |
| $3,750 | $429 | $914 | $3,321 |
| $4,000 | $511 | $997 | $3,489 |
| $4,250 | $594 | $1,075 | $3,656 |
| $4,500 | $672 | $1,157 | $3,828 |
| $4,750 | $754 | $1,235 | $3,996 |
| $5,000 | $832 | $1,317 | $4,168 |
| $5,250 | $914 | $1,395 | $4,336 |
| $5,500 | $997 | $1,478 | $4,503 |
| $5,750 | $1,075 | $1,556 | $4,675 |
| $6,000 | $1,157 | $1,634 | $4,843 |
| $6,250 | $1,235 | $1,716 | $5,015 |
| $6,500 | $1,317 | $1,798 | $5,183 |
| $6,750 | $1,395 | $1,876 | $5,355 |
| $7,000 | $1,478 | $1,954 | $5,522 |
| $7,250 | $1,556 | $2,037 | $5,694 |
| $7,500 | $1,634 | $2,115 | $5,866 |
| $7,750 | $1,716 | $2,197 | $6,034 |
| $8,000 | $1,794 | $2,275 | $6,206 |
| $8,250 | $1,876 | $2,357 | $6,374 |
| $8,500 | $1,954 | $2,435 | $6,546 |
| $8,750 | $2,037 | $2,518 | $6,713 |
| $9,000 | $2,115 | $2,596 | $6,885 |
| $9,250 | $2,197 | $2,674 | $7,053 |
| $9,500 | $2,275 | $2,756 | $7,225 |
| $9,750 | $2,357 | $2,838 | $7,393 |
| $10,000 | $2,435 | $2,934 | $7,565 |
| $10,250 | $2,518 | $3,033 | $7,732 |
| $10,500 | $2,596 | $3,129 | $7,904 |
| $10,750 | $2,674 | $3,228 | $8,076 |
| $11,000 | $2,756 | $3,324 | $8,244 |
| $11,250 | $2,838 | $3,423 | $8,412 |
| $11,500 | $2,934 | $3,519 | $8,566 |
| $11,750 | $3,029 | $3,618 | $8,721 |
| $12,000 | $3,129 | $3,714 | $8,871 |
| $12,250 | $3,224 | $3,813 | $9,026 |
| $12,500 | $3,324 | $3,909 | $9,176 |
| $12,750 | $3,419 | $4,008 | $9,331 |
| $13,000 | $3,519 | $4,104 | $9,481 |
| $13,250 | $3,614 | $4,203 | $9,636 |
| $13,500 | $3,714 | $4,299 | $9,786 |
| $13,750 | $3,813 | $4,398 | $9,937 |
| $14,000 | $3,909 | $4,494 | $10,091 |
| $14,250 | $4,004 | $4,593 | $10,246 |
| $14,500 | $4,104 | $4,706 | $10,396 |
| $14,750 | $4,199 | $4,823 | $10,551 |
| $15,000 | $4,299 | $4,940 | $10,701 |
| $15,250 | $4,394 | $5,057 | $10,856 |
| $15,500 | $4,494 | $5,174 | $11,006 |
| $15,750 | $4,589 | $5,291 | $11,161 |
| $16,000 | $4,702 | $5,408 | $11,298 |
| $16,250 | $4,819 | $5,529 | $11,431 |
| $16,500 | $4,936 | $5,642 | $11,564 |
| $16,750 | $5,053 | $5,763 | $11,697 |
| $17,000 | $5,174 | $5,880 | $11,826 |
| $17,250 | $5,287 | $5,997 | $11,963 |
| $17,500 | $5,408 | $6,114 | $12,092 |
This table shows income tax only. Study and training support loan amounts come from a separate ATO schedule (NAT 3539), which had three editions across 2024-25 and 2025-26 (from 1 July 2024, 1 July 2025 and 24 September 2025), so a single study-loan column would be wrong for most pay dates.
Worked Example: $6,500 a Month in 2024-25 or 2025-26
The ATO tables are produced by one formula. Here it is applied to $6,500 a month for a payment made in 2024-25 or 2025-26:
- Weekly equivalent (x): $6,500 × 3 ÷ 13 = 1500.00, cents ignored, plus 99c. That gives x = 1500.99.
- Tax-free threshold claimed (Scale 2): x falls in the band with a = 0.3200 and b = 176.5769. y = a × x − b = 303.74, rounded to the nearest dollar = $304 a week.
- Back to the month: $304 × 13 ÷ 3, rounded = $1,317 withheld, so take-home is $5,183.
- No tax-free threshold (Scale 1): a = 0.3200, b = 65.7202, so y = 414.60 → $415 a week → $1,798 for the month.
The gap of $481 a month is what claiming the tax-free threshold is worth in each pay. Claim it at one job only.
Check Your Own Monthly Pay in 2024-25 or 2025-26
Enter your monthly earnings to get the amount the 2024-25 and 2025-26 table says to withhold. Cents are ignored, as in the ATO table.
Tax withheld from $6,500 a month (2025-26, NAT 1007)
$1,317
Same result as the ATO look-up table: cents are ignored and the Schedule 1 formula is applied exactly. Excludes tax offsets and Medicare levy adjustments claimed on a withholding declaration. Full annual breakdown
For take-home pay including super and a full annual picture, use the monthly pay calculator or the take-home pay calculator.
What Changed From 2023-24, and Why 1 July 2025 Changed Nothing
This edition took effect on 1 July 2024. It replaced the monthly table the ATO had used since 13 October 2020 (ATO tax tables for 2023-24), and it carries the Stage 3 resident rates. The main changes were the first rate falling from 19% to 16% and the 32.5% rate becoming 30%, with that band stretched from $120,000 to $135,000:
| 2023-24 | 2024-25 and 2025-26 |
|---|---|
| $0 – $18,200: Nil | $0 – $18,200: Nil (unchanged) |
| $18,201 – $45,000: 19% | $18,201 – $45,000: 16% |
| $45,001 – $120,000: 32.5% | $45,001 – $135,000: 30% |
| $120,001 – $180,000: 37% | $135,001 – $190,000: 37% |
| $180,001 and over: 45% | $190,001 and over: 45% |
On 1 July 2025 the table did not change. The ATO's list of tax tables for 2025-26 links the same 1 July 2024 to 30 June 2026 monthly table and Schedule 1 as its 2024-25 list, which is why this single page covers both years. Its Medicare levy settings stayed put for the whole period: Scale 2 withholds no levy on weekly earnings up to $500 (a $26,000 taxable income), shades it in at 10c in the dollar above that, and withholds the full 2% from $625 a week ($32,500 a year). The one withholding change during 2025-26 was outside this table: the study and training support loan schedule was replaced on 1 July 2025 and again from 24 September 2025.
A pay dated on or after 1 July 2026 belongs on the monthly tax table for 2026-27, even if it covers work done in June. This table sets what an employer withholds, not your final tax, which is worked out on your tax return; see the tax bracket history for the rates by year.
| Monthly earnings | 2024-25 and 2025-26 | 2026-27 |
|---|---|---|
| $3,000 | $290 | $273 |
| $4,500 | $672 | $650 |
| $6,500 | $1,317 | $1,296 |
| $9,000 | $2,115 | $2,093 |
| $13,000 | $3,519 | $3,497 |
Monthly 2024-25 and 2025-26 Coefficients (ATO Schedule 1)
The table above is built from these coefficients. Payroll teams can use them to check a system: work out the weekly equivalent x, find the band, and apply y = a × x − b.
Monthly tax table 2024-25 and 2025-26: ATO Schedule 1 coefficients
Weekly equivalent x is worked out from your pay, then tax withheld = a × x − b, rounded to the dollar (applies to payments made from 1 July 2024 to 30 June 2026). Official ATO Schedule 1.
| Earnings per month | a | b |
|---|---|---|
| Less than $1,564.33 | nil | nil |
| $1,564.33 to less than $2,166.67 | 0.1600 | 57.8462 |
| $2,166.67 to less than $2,708.33 | 0.2600 | 107.8462 |
| $2,708.33 to less than $3,124.33 | 0.1800 | 57.8462 |
| $3,124.33 to less than $3,748.33 | 0.1890 | 64.3365 |
| $3,748.33 to less than $5,555.33 | 0.3227 | 180.0385 |
| $5,555.33 to less than $11,249.33 | 0.3200 | 176.5769 |
| $11,249.33 to less than $15,829.67 | 0.3900 | 358.3077 |
| $15,829.67 and above | 0.4700 | 650.6154 |
| Earnings per month | a | b |
|---|---|---|
| Less than $650.00 | 0.1600 | 0.1600 |
| $650.00 to less than $1,607.67 | 0.2117 | 7.7550 |
| $1,607.67 to less than $2,231.67 | 0.1890 | -0.6702 |
| $2,231.67 to less than $4,038.67 | 0.3227 | 68.2367 |
| $4,038.67 to less than $9,732.67 | 0.3200 | 65.7202 |
| $9,732.67 to less than $14,313.00 | 0.3900 | 222.9510 |
| $14,313.00 and above | 0.4700 | 487.2587 |
Other Monthly Tax Tables and Pay Cycles
- Monthly tax table (NAT 1007): the main page for this pay cycle, with the year toggle and ATO downloads.
- Monthly tax table 2026-27
- Weekly tax table 2024-25 and 2025-26 (NAT 1005)
- Fortnightly tax table 2024-25 and 2025-26 (NAT 1006)
- PAYG withholding tables: every ATO schedule explained.
- Schedule 5 tax table: bonuses, commissions and back pay.
- Tax withheld calculator: your own pay run, any frequency.
Pay dated later than 30 June 2026: 2026-27 table.
Monthly Tax Table 2024-25 and 2025-26: Frequently Asked Questions
Monthly tax table 2024-25 and 2025-26 questions and answers
Which monthly tax table applies to a payment made in 2024-25 or 2025-26?
The ATO looks at the date the payment is made, not the period the work covers. A monthly payment made from 1 July 2024 to 30 June 2026 uses the 2024-25 and 2025-26 table on this page (NAT 1007, built from Schedule 1, NAT 1004). The ATO issued one edition for payments made from 1 July 2024 to 30 June 2026 and did not reissue it on 1 July 2025, so 2024-25 and 2025-26 use the same amounts.
How much tax is withheld from $6,500 a month in 2024-25 or 2025-26?
Under the 2024-25 and 2025-26 monthly table, $6,500 a month with the tax-free threshold claimed and no study loan has $1,317 withheld, leaving $5,183. Without the threshold (a typical second job) $1,798 is withheld. Both include the 2% Medicare levy.
Did the monthly tax table change between 2024-25 and 2025-26?
No. The ATO's lists of tax tables for 2024-25 and for 2025-26 both point to the same monthly table (NAT 1007) for payments made from 1 July 2024 to 30 June 2026, so $6,500 a month has $1,317 withheld in either year. The table next changed on 1 July 2026, when the 16% rate on $18,201 to $45,000 fell to 15%: the same $6,500 now has $1,296 withheld.
Is a study loan (HELP) amount included in the 2024-25 and 2025-26 table?
No. The columns here are income tax only (including the Medicare levy). Study and training support loan amounts come from a separate ATO schedule (Schedule 8), which had three editions across these two years: from 1 July 2024, from 1 July 2025 and from 24 September 2025. For a payee with a HELP or similar debt, check the Schedule 8 edition in force on the pay date.
Does the 2024-25 and 2025-26 table still matter once those years have ended?
Yes, for payroll corrections, back-pay runs and audits of a pay dated in 2024-25 or 2025-26: the amount to withhold is fixed by the table in force on the pay date. It does not set your actual tax, which is worked out on your tax return for the year. Pay dates from 1 July 2026 use the 2026-27 table instead.
What is the ATO's own monthly worked example?
The ATO's example for NAT 1007: monthly earnings of $4,311.68 are looked up as $4,311.68, giving $589 with the tax-free threshold and $1,070 without. Those two figures come from the current (2026-27) edition; for 2024-25 or 2025-26 the same earnings give $611 and $1,096.
How this calculator works▼
Every amount is computed at render time from the ATO Schedule 1 (NAT 1004) coefficient method for the edition that applied to payments made from 1 July 2024 to 30 June 2026: earnings become a weekly equivalent, y = a × x − b is applied, the weekly result is rounded to the nearest dollar, and it is converted back to the pay period. The engine reproduces all 144 rows of the ATO's published sample data for this edition (48 each for weekly, fortnightly and monthly, Scales 1, 2 and 3) in automated tests. Figures assume no tax offset claimed on a withholding declaration and no Medicare levy adjustment. Coefficients last checked 9 October 2026.
Sources & References
- 1ATO Schedule 1 – Statement of formulas (NAT 1004), edition for 1 July 2024 to 30 June 2026— Australian Taxation Office
- 2ATO monthly tax table (NAT 1007)— Australian Taxation Office
- 3ATO Schedule 1 sample data (2024-25 and 2025-26 edition)— Australian Taxation Office
- 4ATO tax tables for 2025–26 (same regular tables as 2024–25)— Australian Taxation Office
- 5ATO tax rates – Australian residents— Australian Taxation Office
Last verified: 9 October 2026. Our content is based on the latest information from official Australian government sources.
Anita Bell
AuthorFounder & Senior Bookkeeper
Accountancy degree (2015); certified in Xero, QuickBooks Online, MYOB, Saasu, Zoho and Reckon One
Anita Bell earned her accountancy degree in 2015 and has worked as a senior bookkeeper with Prime Bookkeeping for over 5 years. This built her skills in Australian and New Zealand tax legislation and industry regulations. She is certified in Xero, QuickBooks Online, MYOB, Saasu, Zoho and Reckon One, and works with payroll and rostering software including Gusto, Deputy, Tsheets and KeyPay. She has strong experience in hospitality, building and construction, financial services, real estate, ecommerce, and medical and health services.
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