Free Tax Refund Estimator for Australia
Use this free calculator to estimate your Australian tax refund or tax bill for the 2025–26 or 2026–27 financial year. Answer a few quick questions about your income, tax withheld, deductions, private health cover and any HELP or study loan debt. The estimator applies the ATO resident tax rates, the low income tax offset, the Medicare levy and Medicare levy surcharge, and compulsory study loan repayments, then shows a breakdown and tips based on your answers. It takes about two minutes. When you see your results, your contact details and a summary are sent to our team so we can follow up. The result is a general estimate only and is not tax advice. Your actual outcome is worked out by the ATO when you lodge your tax return.
Free tool
Tax Refund Estimator
Answer a few quick questions and get an estimate of your refund or tax bill, with a breakdown and tips tailored to you.
Which best describes you?
This helps us tailor your tips. The estimate itself is for your personal tax return.
Which income year?
Choose the year you want to estimate.
What is your total income before tax?
Salary and wages plus any other income (interest, dividends, etc.) for the year.
How much tax was withheld?
Find “Total tax withheld” on your income statement in myGov (or add up your PAYG payment summaries).
What deductions will you claim?
A rough figure is fine. Only include amounts you have records for.
Do you have a HELP or other study loan?
Includes HELP (HECS), VET Student Loans and Australian Apprenticeship Support Loans.
Did you have private hospital cover all year?
We use this only to flag whether the Medicare levy surcharge might apply to you.
Do you have any investments?
Select all that apply. We will point out what to keep an eye on.
How do you approach super?
There is no wrong answer. This helps us suggest opportunities.
Unlock your results
Add your details to see your results.