Weekly Tax Table 2026-27 (ATO NAT 1005)

Weekly Tax Table 2026-27: ATO Coefficients at a Glance

From 1 July 2026 the ATO weekly tax table (ATO NAT 1005) is built from the two coefficient tables below, one for payees who claim the tax-free threshold and one for those who do not. Use them to check a payroll system, or jump to the full weekly table further down, the ATO PDF and spreadsheet download links, or the 2025-26 table for pay dates before 1 July 2026.

Full Weekly Tax Table 2026-27 — With and Without the Tax-Free Threshold

The table lists the amount to withhold from weekly earnings in $50 steps, in the two NAT 1005 columns every employer uses — tax-free threshold claimed (column 2 of the ATO table) and not claimed (column 3, typical for a second job) — plus the total with a study loan. Switch to 2025-26 to check an older pay run, or download every dollar as a CSV.

Every figure is computed from the ATO Schedule 1 coefficients and reproduces the ATO's published sample amounts exactly. To skip the lookup, the weekly tax calculator works out your exact weekly pay.

How to Read the Weekly Tax Table

The ATO's printed table has three numbered columns. Column 1 is weekly earnings, column 2 is the amount to withhold with the tax-free threshold, and column 3 is the amount to withhold without it. The ATO's process for a single pay run is:

1. Add allowances and any irregular payments to normal weekly earnings, then ignore the cents.
2. Find that whole-dollar amount in column 1. If the exact figure is not listed, use the next lower one.
3. Read across to column 2 or column 3, depending on the payee's Tax file number declaration.
4. Subtract any tax offset the payee has claimed on a Withholding declaration, converted to a weekly value.
5. Subtract any Medicare levy adjustment the payee is entitled to.
6. Add the study and training support loan component if the payee has one.

The ATO's own worked example: a payee earns $563.60 in a week. Ignore the cents and look up $563. Claiming the tax-free threshold, withhold $33; not claiming it, withhold $108. The calculator above returns exactly those two figures, because it runs the same Schedule 1 formulas.

"Gross earnings" means your ordinary weekly pay before tax, including taxable allowances, casual loading and overtime paid in that run — but excluding employer superannuation, which is paid on top of your wage and never withheld from it. If your payslip shows a different figure from this table, our guide to understanding your payslip walks through the usual causes.

"With Tax-Free Threshold" vs "Without" — What the Columns Mean

The first $18,200 you earn in a financial year is tax-free, but only one employer can apply that threshold to your pay. Claiming it spreads roughly $350 a week of tax-free income across your pays, which is why column 2 is so much lower than column 3.

• Column 2 — tax-free threshold claimed. Use this for your main job. Withholding does not start until your weekly earnings pass about $362, and it builds in the Medicare levy with low-income shading.
• Column 3 — no tax-free threshold. Use this for a second or subsequent job, or where the payee has not claimed the threshold. Withholding starts at the very first dollar. At $800 a week, column 2 withholds $83 while column 3 withholds $184 — a difference of $101 a week.

Claiming the threshold on two jobs at once is the classic way to end up with a tax bill: each employer withholds as though the other did not exist, so between them they under-withhold by thousands across the year. Our second job tax calculator shows the size of the gap. Note also that when you use column 3, the ATO says to allow no tax offsets and make no Medicare levy adjustment.

What the STSL Column Adds

STSL means "study and training support loans" and covers HELP, VET Student Loan, Financial Supplement, Student Start-up Loan and Australian Apprenticeship Support Loan debts. If you ticked the study loan box on your Tax file number declaration, your employer adds a repayment component on top of the ordinary withholding.

That component is not the annual HECS repayment divided by 52. It comes from NAT 3539 (Schedule 8), which has its own coefficients applied to the same weekly earnings figure. At $1,500 a week with the threshold claimed, the income tax component is $299 and the loan component is $25, for $324 total and $1,176 in hand. See the HECS-HELP calculator for how withholding relates to your actual annual repayment obligation.

Weekly Tax Table for Foreign Residents

Foreign residents for tax purposes use ATO Scale 3. There is no tax-free threshold and no Medicare levy, so withholding begins at 30 cents in the dollar from the first dollar earned. The ATO publishes these bands, and the table beneath them shows the resulting weekly amounts:

At $1,000 a week a foreign resident has $300 withheld against a resident's $138. Foreign residents cannot claim tax offsets to reduce withholding — if one is claimed on a Withholding declaration, the employer ignores it. A foreign resident who has not provided a valid TFN is withheld at a flat 45% instead. Workers on a working holiday maker visa are a separate case again and use Schedule 15 (NAT 75531) for every payment, including lump sums.

What to Do If the Employee Has No TFN

A payee who has not quoted a tax file number, has not claimed an exemption from quoting one, and has not told you they have applied for one must be withheld at the penalty rates: 47% for a resident and 45% for a foreign resident, ignoring cents. There is no threshold and no graduated scale — it is a flat rate on every dollar.

If the payee states on their Tax file number declaration that they have applied for a TFN or made an enquiry with the ATO, they have 28 days to supply it before those rates begin. Separately, if you have not received a valid declaration within 14 days of the employment starting, you must report that to the ATO through STP Phase 2 using a tax treatment code beginning with "N". While a no-TFN rate applies, allow no tax offsets, make no Medicare levy adjustment, and withhold no study loan component.

The 53-Pay Year Problem

NAT 1005 is built on 52 pays a year. Depending on which day of the week you are paid, a financial year occasionally contains 53 weekly pay days. The table has no way of knowing, so the extra pay is withheld exactly like an ordinary week — and across the year slightly too little tax is collected. The shortfall does not disappear; it appears as a smaller refund or an unexpected bill on the tax assessment.

Employers should tell payees when a 53-pay year is coming. A payee who would rather not be caught out can ask payroll to withhold an additional amount from every pay, using the ATO's published table:

This is voluntary and requested by the payee — the employer cannot impose it. Fortnightly payroll has the same issue in a 27-pay year; monthly payroll never does, because twelve calendar months always means twelve pays.

When to Use the Weekly Tax Table

Use NAT 1005 for anything you pay an individual on a weekly basis: salary and wages, allowances and leave loading, paid parental leave, directors' fees, payments to labour-hire workers and religious practitioners, government education or training payments, and periodical compensation or accident payments made because someone cannot work.

Use a different schedule when:

• The pay cycle differs — use the fortnightly table (NAT 1006) or the monthly table (NAT 1007).
• You are paying a bonus, commission or back payment spanning more than one pay period — use Schedule 5 (NAT 3348).
• The worker holds a working holiday maker visa — use Schedule 15 (NAT 75531) for every payment.
• You are paying out unused leave or a redundancy on termination — use Schedule 7 or Schedule 11, and see our final pay calculator.
• The payee is a senior or pensioner claiming SAPTO — use Schedule 9 (NAT 4466).

How Much Tax Is Withheld From Your Weekly Pay?

Weekly PAYG withholding for 2026-27 works out to roughly 14% of gross pay at $1,000 a week, rising to about 20% at $1,500 a week as more income falls into the 30% bracket. Three worked examples using the 2026-27 rates:

• $1,000/week, tax-free threshold, no loan — $138 withheld, $862 take-home.
• $1,500/week with a HECS-HELP debt — $299 PAYG plus $25 STSL, leaving $1,176.
• $800/week second job (no threshold) — $184 withheld from the first dollar.

Withholding already includes the 2% Medicare levy and assumes you earn the same amount for all 52 weeks. Compare these with the annual view in our income tax calculator, or check the marginal rates in the tax brackets guide.

What Changed in the Weekly 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% under the legislated cost-of-living tax cuts. The ATO reissued all 15 withholding schedules and 12 tax tables to match, and also lifted the Medicare levy low-income thresholds and re-indexed the study and training loan repayment thresholds. The 2026-27 weekly table therefore withholds slightly less than the 2025-26 version — up to about $5 a week ($268 a year) for anyone earning $45,000 or more. A further cut to 14% is legislated for 1 July 2027. See the full timeline in our 2026-27 tax changes guide.

If you are still using a 2025-26 printed table or an old payroll setting, your employees are being over-withheld. Employers must apply the current-year table from the first pay run on or after 1 July.

Weekly Tax Table 2025-26: Pay Dates Before 1 July 2026

The 2025-26 weekly tax table applies to payments made from 1 July 2024 to 30 June 2026, so use it for a pay run dated up to 30 June 2026 and the 2026-27 table for a pay dated from 1 July 2026. What counts is the date the payment is made, not the period the work covers. Both years are in the full table above: switch the year toggle to 2025-26. Paid on a different cycle? Use the fortnightly tax table or monthly tax table.

Official ATO Weekly Tax Table PDF and Spreadsheet

The ATO publishes NAT 1005 both as a printable PDF look-up table and as a spreadsheet look-up tool where you type in weekly earnings and read off both columns. Most people searching for the PDF only need one or two amounts — the calculator at the top of this page gives the same answer instantly — but the source documents are linked directly below.

Weekly Tax Table by Financial Year

The ATO picks the table from the date a payment is made, not the period the work covers. Open the year-locked page for the pay date you are checking: 2026-27 (1 July 2026 to 30 June 2027); 2024-25 and 2025-26 (1 July 2024 to 30 June 2026). The ATO did not reissue the tables on 1 July 2025, so 2024-25 and 2025-26 share one table and one page.

• Weekly tax table 2026-27 — NAT 1005, pay dates 1 July 2026 to 30 June 2027.
• Weekly tax table 2024-25 and 2025-26 — NAT 1005, pay dates 1 July 2024 to 30 June 2026.

Related Tax Tables and Calculators

• PAYG withholding tables hub — how the whole schedule system works, including no-TFN and working holiday rates.
• Fortnightly tax table (NAT 1006) — withholding amounts for 26-pay cycles.
• Monthly tax table (NAT 1007) — withholding amounts for 12-pay cycles.
• Schedule 5 tax table (NAT 3348) — bonuses, commissions, and back payments.
• Weekly pay calculator — your full weekly take-home breakdown from an annual salary.
• HECS-HELP calculator — how the STSL column affects your repayments.

Weekly Tax Table — Frequently Asked Questions