Monthly Tax Table 2026-27: Amount to Withhold by Earnings
Amounts to withhold from monthly earnings for a payment made from 1 July 2026 to 30 June 2027, 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.
2026-27: applies to payments made from 1 July 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 | Threshold + study loan | Take-home (threshold) |
|---|---|---|---|---|
| $1,500 | $0 | $264 | $0 | $1,500 |
| $1,750 | $26 | $312 | $26 | $1,724 |
| $2,000 | $65 | $360 | $65 | $1,935 |
| $2,250 | $104 | $407 | $104 | $2,146 |
| $2,500 | $156 | $485 | $156 | $2,344 |
| $2,750 | $221 | $568 | $221 | $2,529 |
| $3,000 | $273 | $646 | $273 | $2,727 |
| $3,250 | $321 | $728 | $321 | $2,929 |
| $3,500 | $364 | $810 | $364 | $3,136 |
| $3,750 | $407 | $888 | $407 | $3,343 |
| $4,000 | $490 | $971 | $490 | $3,510 |
| $4,250 | $568 | $1,049 | $568 | $3,682 |
| $4,500 | $650 | $1,131 | $650 | $3,850 |
| $4,750 | $732 | $1,209 | $732 | $4,018 |
| $5,000 | $810 | $1,291 | $810 | $4,190 |
| $5,250 | $893 | $1,369 | $893 | $4,357 |
| $5,500 | $975 | $1,452 | $975 | $4,525 |
| $5,750 | $1,053 | $1,530 | $1,053 | $4,697 |
| $6,000 | $1,131 | $1,612 | $1,161 | $4,869 |
| $6,250 | $1,213 | $1,690 | $1,282 | $5,037 |
| $6,500 | $1,296 | $1,772 | $1,404 | $5,204 |
| $6,750 | $1,374 | $1,850 | $1,517 | $5,376 |
| $7,000 | $1,452 | $1,928 | $1,634 | $5,548 |
| $7,250 | $1,534 | $2,011 | $1,755 | $5,716 |
| $7,500 | $1,612 | $2,089 | $1,868 | $5,888 |
| $7,750 | $1,694 | $2,171 | $1,989 | $6,056 |
| $8,000 | $1,772 | $2,249 | $2,101 | $6,228 |
| $8,250 | $1,855 | $2,331 | $2,223 | $6,395 |
| $8,500 | $1,933 | $2,409 | $2,340 | $6,567 |
| $8,750 | $2,015 | $2,492 | $2,457 | $6,735 |
| $9,000 | $2,093 | $2,570 | $2,574 | $6,907 |
| $9,250 | $2,171 | $2,652 | $2,691 | $7,079 |
| $9,500 | $2,253 | $2,730 | $2,808 | $7,247 |
| $9,750 | $2,336 | $2,812 | $2,930 | $7,414 |
| $10,000 | $2,414 | $2,908 | $3,047 | $7,586 |
| $10,250 | $2,492 | $3,007 | $3,159 | $7,758 |
| $10,500 | $2,574 | $3,103 | $3,280 | $7,926 |
| $10,750 | $2,652 | $3,202 | $3,397 | $8,098 |
| $11,000 | $2,734 | $3,298 | $3,518 | $8,266 |
| $11,250 | $2,812 | $3,397 | $3,640 | $8,438 |
| $11,500 | $2,912 | $3,493 | $3,783 | $8,588 |
| $11,750 | $3,007 | $3,592 | $3,921 | $8,743 |
| $12,000 | $3,107 | $3,688 | $4,060 | $8,893 |
| $12,250 | $3,202 | $3,787 | $4,199 | $9,048 |
| $12,500 | $3,302 | $3,883 | $4,342 | $9,198 |
| $12,750 | $3,397 | $3,982 | $4,480 | $9,353 |
| $13,000 | $3,497 | $4,082 | $4,624 | $9,503 |
| $13,250 | $3,592 | $4,177 | $4,758 | $9,658 |
| $13,500 | $3,692 | $4,273 | $4,901 | $9,808 |
| $13,750 | $3,787 | $4,372 | $5,039 | $9,963 |
| $14,000 | $3,887 | $4,468 | $5,183 | $10,113 |
| $14,250 | $3,982 | $4,567 | $5,321 | $10,268 |
| $14,500 | $4,082 | $4,680 | $5,464 | $10,418 |
| $14,750 | $4,177 | $4,797 | $5,598 | $10,573 |
| $15,000 | $4,277 | $4,914 | $5,742 | $10,723 |
| $15,250 | $4,372 | $5,031 | $5,880 | $10,878 |
| $15,500 | $4,472 | $5,148 | $6,023 | $11,028 |
| $15,750 | $4,567 | $5,265 | $6,140 | $11,183 |
| $16,000 | $4,680 | $5,386 | $6,279 | $11,320 |
| $16,250 | $4,797 | $5,503 | $6,422 | $11,453 |
| $16,500 | $4,914 | $5,620 | $6,565 | $11,586 |
| $16,750 | $5,031 | $5,737 | $6,708 | $11,719 |
| $17,000 | $5,152 | $5,854 | $6,851 | $11,848 |
| $17,250 | $5,265 | $5,971 | $6,990 | $11,985 |
| $17,500 | $5,386 | $6,088 | $7,137 | $12,114 |
Worked Example: $6,500 a Month in 2026-27
The ATO tables are produced by one formula. Here it is applied to $6,500 a month for a payment made in 2026-27:
- 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 = 181.7319. y = a × x − b = 298.58, rounded to the nearest dollar = $299 a week.
- Back to the month: $299 × 13 ÷ 3, rounded = $1,296 withheld, so take-home is $5,204.
- No tax-free threshold (Scale 1): a = 0.3200, b = 71.6508, so y = 408.67 → $409 a week → $1,772 for the month.
The gap of $476 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 2026-27
Enter your monthly earnings to get the amount the 2026-27 table says to withhold. Cents are ignored, as in the ATO table.
Tax withheld from $6,500 a month (2026-27, NAT 1007)
$1,296
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 the 2025-26 Table
The ATO published this edition on 17 June 2026 for payments made from 1 July 2026. It reflects the Treasury Laws Amendment (More Cost of Living Relief) Act 2025, which led the ATO to update all 15 withholding schedules and 12 tax tables (ATO July 2026 updates). Against the 2024-25 and 2025-26 table, three things moved for a monthly pay:
- Rate cut: the rate on taxable income from $18,201 to $45,000 fell from 16% to 15%. The higher brackets kept their rates and thresholds, but the tax on the first $45,000 is $268 lower ($4,288 down to $4,020).
- Medicare levy thresholds: the same Act raised the low-income thresholds, so Scale 2 now starts withholding the levy above $538 a week (was $500) and withholds the full 2% from $673 a week (was $625). The family threshold used for a Medicare levy adjustment rose from $43,846 to $47,238, plus $4,338 a child (was $4,027).
- Nil-withholding point: with the threshold claimed, the ATO's nil band now covers a weekly equivalent under $362 (was $361). After rounding, withholding starts at $1,582 a month (was $1,578).
Study loan withholding (Schedule 8) was also reissued with indexed repayment thresholds. This page carries that one 2026-27 edition, so its lookup can add a study-loan amount; the 2024-25 and 2025-26 page cannot, because those two years spanned three Schedule 8 editions. A further cut to 14% is legislated for 1 July 2027: see the 2026-27 tax changes guide. For the monthly table with the year toggle and ATO downloads, use the monthly tax table.
| Monthly earnings | 2026-27 | 2024-25 and 2025-26 |
|---|---|---|
| $3,000 | $273 | $290 |
| $4,500 | $650 | $672 |
| $6,500 | $1,296 | $1,317 |
| $9,000 | $2,093 | $2,115 |
| $13,000 | $3,497 | $3,519 |
Monthly 2026-27 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 2026-27: 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 2026). Official ATO Schedule 1.
| Earnings per month | a | b |
|---|---|---|
| Less than $1,568.67 | nil | nil |
| $1,568.67 to less than $2,331.33 | 0.1500 | 54.3462 |
| $2,331.33 to less than $2,916.33 | 0.2500 | 108.2135 |
| $2,916.33 to less than $3,124.33 | 0.1700 | 54.3473 |
| $3,124.33 to less than $3,748.33 | 0.1790 | 60.8377 |
| $3,748.33 to less than $5,555.33 | 0.3227 | 185.1935 |
| $5,555.33 to less than $11,249.33 | 0.3200 | 181.7319 |
| $11,249.33 to less than $15,829.67 | 0.3900 | 363.4627 |
| $15,829.67 and above | 0.4700 | 655.7704 |
| Earnings per month | a | b |
|---|---|---|
| Less than $814.67 | 0.1500 | 0.1500 |
| $814.67 to less than $1,607.67 | 0.2084 | 11.0185 |
| $1,607.67 to less than $2,231.67 | 0.1790 | 0.1066 |
| $2,231.67 to less than $4,038.67 | 0.3227 | 74.1674 |
| $4,038.67 to less than $9,732.67 | 0.3200 | 71.6508 |
| $9,732.67 to less than $14,313.00 | 0.3900 | 228.8816 |
| $14,313.00 and above | 0.4700 | 493.1893 |
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 2024-25 and 2025-26
- Weekly tax table 2026-27 (NAT 1005)
- Fortnightly tax table 2026-27 (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 before 1 July 2026: 2024-25 and 2025-26 table.
Monthly Tax Table 2026-27: Frequently Asked Questions
Monthly tax table 2026-27 questions and answers
Which monthly tax table applies to a payment made in 2026-27?
The ATO looks at the date the payment is made, not the period the work covers. A monthly payment made from 1 July 2026 to 30 June 2027 uses the 2026-27 table on this page (NAT 1007, built from Schedule 1, NAT 1004). It replaced the edition that applied from 1 July 2024 to 30 June 2026.
How much tax is withheld from $6,500 a month in 2026-27?
Under the 2026-27 monthly table, $6,500 a month with the tax-free threshold claimed and no study loan has $1,296 withheld, leaving $5,204. Without the threshold (a typical second job) $1,772 is withheld. Both include the 2% Medicare levy.
Is the 2026-27 monthly tax table different from 2025-26?
Yes. From 1 July 2026 the 16% rate on $18,201 to $45,000 fell to 15% and the Medicare levy low-income thresholds built into the table rose. The same $6,500 a month had $1,317 withheld under the 2024-25 and 2025-26 table and has $1,296 withheld under this one.
Is a study loan (HELP) amount included in the 2026-27 table?
The standard columns are income tax only. The study and training support loan component comes from Schedule 8 (NAT 3539) and is added on top; the lookup on this page includes it when you tick the study loan box.
Does the 2026-27 table still matter once the year has ended?
Yes, for payroll corrections, back-pay runs and audits of a pay dated in 2026-27: 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 2027 will need the next edition the ATO publishes.
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.
How this calculator works▼
Every amount is computed at render time from the ATO Schedule 1 (NAT 1004) coefficient method for the edition that applies from 1 July 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), from 1 July 2026— Australian Taxation Office
- 2ATO monthly tax table (NAT 1007)— Australian Taxation Office
- 3ATO Schedule 1 sample data (2026-27 edition)— Australian Taxation Office
- 4ATO tax tables: Important Information – July 2026 updates— 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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