Built for working holiday makers, casual workers and first-time lodgers

Work out your Australian tax refund in plain English.

Add your income, tax already taken out, and work expenses. Get a simple estimate and a guide for what to check in myTax.

What you get

  • A refund or amount-to-pay estimate
  • Working holiday maker tax rates
  • Plain work expense categories
  • A checklist for myGov and myTax

Start with your myGov income statement.

You only need a few numbers: income, tax already taken out, and any work costs you paid yourself.

Your income

This changes the tax rate. Working holiday makers are usually taxed from the first dollar they earn.

$

Use the total income from your payslips or myGov.

$

This is the tax your employer already took out during the year.

Quick work expenses

Do you already know your total work expenses?

Student loan and Medicare

Do you have a HELP, HECS or other study loan?

Did you have a spouse or children?

This can affect extra Medicare charges for higher income earners.

Did you not have to pay Medicare?

I could not use Medicare for part of the year

If you have a Medicare Entitlement Statement, enter the number of days it says you were not covered. Leave as zero if unsure.

Add extra ATO income items

Most people can leave these as zero. Add them if myGov shows them, because they can change study loan and Medicare estimates.

$
$
$
$

Example calculations

See how different tax situations can change the result

These are simple examples only. Use your own myGov income statement for your real estimate.

Working holiday maker

Earned $45,000, tax taken out $6,750, no work expenses.

Amount to pay
$0.00
Total tax estimate
$6,750.00

Casual worker

Earned $50,000, tax taken out $9,000, no work expenses.

Refund estimate
$2,462.00
Total tax estimate
$6,538.00

Farm worker with expenses

Earned $38,000, tax taken out $6,500, claimed $1,200 work costs.

Refund estimate
$980.00
Total tax estimate
$5,520.00

Employee with study loan

Earned $80,000, tax taken out $19,000, has a HELP or HECS debt.

Refund estimate
$662.00
Total tax estimate
$18,338.00
Try your own numbers

How this tax refund calculator works

  1. 1. Add incomeEnter what you earned and tax already taken out.
  2. 2. Add work costsUse a total or the guided expense questions.
  3. 3. Check myTaxUse the guide to compare against myGov.

Helpful guides

What work expenses can you include?

  • Work clothes and safety gear
  • Tools and equipment
  • Phone and internet
  • Training and licences
  • Work travel
  • Subscriptions and memberships
  • Donations to charity
  • Tax agent fees

Helpful official links

Want to check the official rules? These ATO pages may help.

Rates last checked: 14 May 2026

Tax rates, working holiday maker rates, Medicare guidance, study loan rates and car kilometre rates were checked against public ATO pages.

Frequently asked questions