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PAYG Withholding Calculator

Calculate the correct PAYG withholding amount for your employees based on current ATO tax tables.

Data stays on your deviceATO sourced data

Calculate the correct PAYG withholding amount for your employees. Use this to verify the tax your employer withholds from each pay.

  • Employers must withhold tax based on ATO tax tables
  • PAYG applies to salary, wages, commissions, bonuses and allowances
  • Employees should submit a Tax File Number Declaration (TFN) to their employer
  • If claiming the tax-free threshold, the first $18,200 has $0 withheld

Disclaimer

This calculator provides estimates for general information purposes only. Results should not be relied upon as professional financial, tax, or legal advice. Tax rates and thresholds are based on publicly available ATO data and may change. Always consult a qualified tax agent or financial adviser for advice specific to your circumstances.

Frequently Asked Questions

What happens if too much tax is withheld?
If your employer withholds more tax than your actual liability, you'll receive a tax refund when you lodge your annual return. This commonly happens if you have deductions, earn less than expected during the year, or have multiple tax-free threshold claims that were corrected.
Do I need to claim the tax-free threshold?
You should claim the tax-free threshold at only one job (usually your highest-paying one). If you have multiple jobs and claim it at all of them, you may end up with a tax debt at the end of the year because too little tax was withheld overall.

What is PAYG Withholding?

PAYG (Pay As You Go) withholding is the system where employers deduct tax from employee wages each pay period and send it to the ATO on their behalf. The amount withheld depends on the employee's income and tax file number declaration.

How this calculator works

This calculator applies ATO tax tables to determine the correct withholding amount for each pay period. Employers use these tables to calculate how much tax to deduct from salary, wages, commissions, bonuses, and allowances. If an employee has claimed the tax-free threshold on their TFN declaration, the first $18,200 equivalent per period has no tax withheld. The withholding amount is an estimate — the actual tax liability is reconciled when the employee lodges their annual tax return.

All calculations are performed in your browser — your data never leaves your device. Results are for general guidance only and should not be considered professional financial advice.

Built and maintained by Konstantin Iakovlev. Data sourced from the ATO and official Australian government sources.

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