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Australia Tax System Guide

ATO taxes, income brackets, GST, superannuation, and Medicare Levy — everything about paying tax in Australia.

📊 Income Tax Brackets 2025-26

Income (AUD) Rate
$0 — $18,200 0% (tax-free threshold)
$18,201 — $45,000 16%
$45,001 — $135,000 30%
$135,001 — $190,000 37%
$190,001+ 45%

+ 2% Medicare Levy on all taxable income. WHV holders: 15% flat on first $45,000.

💰 Key Tax Features

🏦 Superannuation

• Employer pays 11.5% of salary into super fund
• Your retirement savings (can't access until ~60)
• Choose your fund or get default
• Major funds: AustralianSuper, Sunsuper, REST
• WHV holders can claim super back when leaving

📋 Tax Filing

TFN: Tax File Number (like SSN) — apply free from ATO
Financial year: July 1 - June 30
Due date: October 31 (self) or tax agent gets extension
MyGov/MyTax: Free online filing
Tax agents: H&R Block, TaxFox popular

🛒 GST & Other

GST: 10% on most goods/services
No state income tax (unlike USA/Canada)
Stamp duty: Property purchase tax (state-based)
CGT: 50% discount on assets held 12+ months
HECS-HELP: Student loans repaid through tax