Income Tax Calculator — NSW
Calculate your income tax in New South Wales for 2025-26. Australia does not have separate state income tax, so the same federal rates apply in NSW and across the country.
No separate NSW income tax Federal tax rates apply across Australia. This page is NSW-focused for Sydney context, examples, and local cost-of-living framing.
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Income tax rates in NSW (2025-26)
New South Wales uses the same federal income tax rates as the rest of Australia:
- $0-$18,200: $0 (tax-free threshold)
- $18,201-$45,000: 16%
- $45,001-$135,000: 30%
- $135,001-$190,000: 37%
- Over $190,000: 45%
Plus: a 2% Medicare levy generally applies on top of income tax.
Average salaries in NSW (2026)
- Sydney average: about $95,000/year
- Graduate roles: around $55,000-$70,000
- Mid-career: around $80,000-$120,000
- Senior roles: around $120,000-$200,000+
Take-home pay examples (NSW)
- $60,000/year: roughly $50,700 before HELP adjustments
- $80,000/year: roughly $65,400 before HELP adjustments
- $100,000/year: roughly $79,400 before HELP adjustments
- $150,000/year: roughly $111,200 before HELP adjustments
Cost of living context in Sydney
- Median house price: around $1.15M
- Median rent: around $650/week
- Typical electricity spend: around $1,800/year
- Public transport: Opal costs vary by commute and usage
Rule of thumb: Sydney is one of Australia’s most expensive cities, so housing costs matter far more than any state-specific tax setting, because there isn’t one.