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Payslips · 2026-27 tax

YTD income calculator

Turn the year-to-date pay on your payslip into a full year, and see where the tax is heading.

FY 2026-27 rates · verified

Rates verified against the official sources — how we check.

The YTD figure before tax, from your latest payslip.

Any date in the 2026-27 income year, 1 July 2026 to 30 June 2027.

Paid each

Leave it blank to skip the tax-time estimate.

Your pay for the year, annualised

$78,000

From $21,000 over 7 of 26 pays. Counting days instead gives $83,315.22: 7 pays are 26.9% of the year’s, but 92 days are 25.2% of its days.

After tax, at this rate

Week
$1,208.46
Fortnight
$2,416.92
Month
$5,236.67
Year
$62,840

How it’s made up

Year to date$21,000
By pays, 7 of 26$78,000
By days, 92 of 365$83,315.22
Income tax, after the offset−$13,620
Medicare levy−$1,540
Take-home, a year$62,840
Tax withheld, on course for$15,548
The year’s income tax and Medicare$15,160
At tax timeabout $388 back
Two ways to annualise, after tax

Enter your details above to see this.

A single resident, 2026-27 rates, the rest of the year paid at the same rate and no other income. Annualising is arithmetic; a lender or agency may use its own method.

The pay calculator works forward from a salary; this works back from what you have actually been paid. If your pay is steady, the annualised figure should be your salary, and if it is not, the difference is worth a look.

Counting pays or counting days

Pay arrives in lumps, so the share of the year’s pays you have had is rarely the share of its days that have passed. On the example this page opens with, 7 fortnightly pays by 30 September 2026 is 26.9% of the year’s 26, while 92 days is 25.2% of 365, so dividing by days puts the year $5,315 higher than the $78,000 it really is. With steady pay, counting pays returns the salary exactly; counting days only does when the payment date happens to line up.

Irregular pay breaks both. Overtime, a bonus or a pay rise part-way through makes the part of the year already paid a poor guide to the rest. No law or ATO rule says how income should be annualised, so a lender or agency that asks for it decides its own method; this page shows both, so you can see how far apart they are.

Is the tax on course?

Your employer withholds pay by pay, from the ATO’s tables; your tax is worked out on the whole year. Scaling the tax withheld so far by the same share as the pay shows where the year is heading. It is a guide, not a forecast: it assumes the rest of the year is paid like the part so far. The PAYG withholding calculator shows what each pay should have withheld.

If you have a study loan, tick the box: the amount withheld for it may sit inside your payslip’s tax line without its own row, as the page on STSL on a payslip explains, so the comparison includes the year’s repayment.

Frequently asked questions

What does YTD mean on a payslip?
Year to date: the running total since 1 July, when the Australian income year starts, up to and including the pay the payslip is for. YTD gross is everything paid before tax in that time, and YTD tax is everything withheld. Fair Work's list of what a payslip must include has no year-to-date totals on it, so not every payslip shows them — but every one must show the date of payment.
How do I work out my yearly income from YTD?
Divide it by the share of the year it covers. Paid monthly, $16,500 after three of twelve pays is $16,500 × 12 ÷ 3 = $66,000. Counted by days instead — the 90 days to 28 September — the same figure comes to $66,916.67.
What is annualised income?
Income for part of a year, scaled up to what a whole year at the same rate would be. It is arithmetic, not a rule: no law or ATO instruction says how to do it, so a lender or government agency that asks for it sets its own method. If a form wants annualised income, check which method it means.
Can my YTD tax tell me if I will get a refund?
Roughly. Scale the tax withheld so far by the same share as the pay and compare it with the year's tax. Withholding is worked out pay by pay and leaves out the $1,000 standard deduction for 2026-27, which is applied at tax time, so a steady salary often heads for a small refund. Other income, deductions you claim and offsets all change it, and none of them is on a payslip.
When does the financial year start and end in Australia?
On 1 July and 30 June. The 2026-27 income year runs from 1 July 2026 to 30 June 2027 and has 365 days. One with a 29 February in it has 366: 2023-24 did, and 2027-28 will.

Where this comes from

The tax is the same engine as every other calculator here, pinned to the ATO’s own figures.