YTD Income Calculator

A payslip dated 30 September 2026 showing $20,000 year to date covers 92 of the 365 days in 2026-27, which projects to $79,348 for the year. At that pace $4,050 withheld so far becomes $16,068, about $477 more than the tax on it, a likely refund. Enter the year-to-date gross and tax from your latest payslip and its pay date. The calculator scales both to a full year at the pace so far, works out the tax on the projected income, and shows whether the withholding is on track for a refund or a bill.

Your details

Gross pay year to date

The YTD gross on your latest payslip, before tax.

Tax withheld year to date

The YTD tax, or PAYG, line on the same payslip.

Pay date on that payslip

The income year runs 1 July to 30 June.

Project the year by

Counting pays is closer when your pay is regular and the first pay of the year covered June work.

I have a HELP, HECS or other study loanI hold private hospital cover

Projected income for 2026-27

$79,348

Gross year to date: $20,000.00
Covered so far: 92 of 365 days, 25.2%
Projected income for 2026-27: $79,348
Standard deduction, applied by the ATO: - $1,000
Income tax after the low income tax offset: $14,024.35
Medicare levy: $1,566.96
Tax on the projected year: $15,591.30
Withheld so far: $4,050.00
Tax owed on the year so far, at that rate: $3,929.86
Withheld over the year at this pace: $16,067.93
Likely refund at tax time: $477
Average rate on the projected year: 19.6%

The projection assumes the rest of 2026-27 pays at the same rate as the year so far, with no other income or second job and no deductions claimed, so the ATO's $1,000 standard deduction applies in full, and taxes it on the resident scale with the low income tax offset. A bonus, overtime or pay rise already in the YTD figure is carried into every remaining pay.

Worked examples, with the arithmetic.

The same sums the tool runs, on real figures. Every number below is computed by the tested engine from the published rates, so the prose and the tool can never disagree.

What does $20,000 by 30 September project to?

1 July to 30 September          = 92 of 365 days
$20,000 / 25.2%             = $79,348 for the year
tax on $79,348              = $15,591.30
$4,050 withheld, same pace      = $16,068
difference                      = $477 likely refund

$79,348 for 2026-27. At that pace the year's tax, after the low income tax offset and with the Medicare levy, is $15,591.30, against $16,068 withheld over the year: a $477 likely refund when you lodge.

What do 7 fortnightly pays on $80,000 project to?

7 pays of $3,076.92           = $21,538.44 YTD
7 pays of $622 withheld            = $4,354 YTD
x 26 / 7                         = $80,000 for the year
tax on the year                 = $15,799.97
withheld over 26 pays           = $16,172

Counting pays gives the salary back exactly, $80,000, where counting days would drift with the pay calendar. The fortnightly schedule withholds $16,172 over the year against $15,799.97 of tax, a $372 likely refund.

What does a bonus in the YTD figure do to the projection?

YTD gross with a $10,000 bonus      = $31,538.44
x 26 / 7                         = $117,143 for the year
without the bonus               = $80,000

It overstates the year by $37,143, because the projection repeats the bonus in every remaining pay. Take a one-off payment out of the YTD gross and its tax out of the YTD tax, project the rest, then add the bonus back once. The Tax on Bonus Calculator shows what the bonus itself adds.

Is this accurate, and how does it work?

The method is published rather than described. Nothing here is a black box, and the limits are listed as plainly as the workings.

1Find how much of the year the payslip covers. The income year runs from 1 July to 30 June. By default the share is the days from 1 July to the pay date, both counted, over the days in that year. With a regular pay, counting the pays received so far against 52, 26 or 12 is closer, because a pay date can fall days after the period it pays for.
2Scale the year to date up to a year. The YTD gross and the YTD tax are each divided by that share. The projection assumes every remaining pay matches the average so far, so a bonus, back pay or overtime already in the YTD figure is carried into the rest of the year.
3Tax the projected year. The projected income is taxed on the resident brackets, less the Low Income Tax Offset, plus the Medicare levy, the surcharge if you hold no hospital cover, and the compulsory study loan repayment if you have a loan. That is the same assessment the Tax Return Calculator runs.
4Compare it with the withholding. The tax on the projected year less the withholding projected at the same pace is the likely refund or bill. Scaled back to the pay date, the same tax shows what the year so far has cost against what has been withheld.

What this does not cover.

It assumes the rest of the year pays at the average so far. A pay rise, unpaid leave, a bonus or a change of hours makes the projection wrong by that amount.
It covers one employer. A second job, investment income and deductions are not asked; the Tax Return Calculator takes them. For 2026-27 it applies the ATO's standard deduction of up to $1,000 in full, as for a wage earner who claims no work-related expenses.
Pay dates in the 2025-26 and 2026-27 income years only. The 2026-27 Medicare levy thresholds are the prior year carried forward until the ATO publishes them.
It assumes Australian residency for tax purposes for the full year, and does not model working holiday makers or foreign residents.

Where these figures come from.

ATO, Tax rates for Australian residents, the source gave its own last updated date as 2026-08-13. Retrieved 2026-09-02.
ATO, Low income tax offset, the source gave its own last updated date as 2026-06-08. Retrieved 2026-09-02.
ATO, Medicare levy, the source gave its own last updated date as 2026-08-13. Retrieved 2026-09-02.
ATO, Medicare levy reduction for low-income earners, the source gave its own last updated date as 2026-06-30. Retrieved 2026-09-02. Not yet published for 2026-27: this is the prior year’s figure carried forward and labelled as such, never estimated. It is corrected as soon as the ATO publishes.
ATO, Medicare levy surcharge income, thresholds and rates, the source gave its own last updated date as 2026-06-22. Retrieved 2026-09-11.
ATO, Study and training loan repayment thresholds and rates, the source gave its own last updated date as 2026-06-30. Retrieved 2026-09-11.

Every rate this site uses is listed on the Methodology page.

Common questions.

What does YTD mean on a payslip?

Year to date. The YTD gross and YTD tax on a payslip are the totals since the start of the income year on 1 July, up to and including that pay. On the last pay in June they become the year's figures, which your employer reports to the ATO and which appear on your income statement in myGov.

How do I work out my annual income from year-to-date pay?

Divide the YTD gross by the share of the year it covers. 92 days from 1 July to 30 September is about a quarter of a 365-day year, so a YTD gross of $20,000 projects to about $79,348. Counting pays instead, 7 fortnightly pays of 26 gives a share of 7 divided by 26. The calculator does either.

Can my payslip tell me if I will get a tax refund?

Roughly, if your pay is steady and you have one job. Withholding on the ATO schedules is set to land close to the tax on a full year at that pay, so a steady payslip projects to a small refund or bill. A second job, a bonus withheld under Schedule 5, deductions or a tax-free threshold claimed twice all move the result, and the Tax Return Calculator takes those into account once the year is over. For the year that has already ended, Tax Return Deadline 2026 sets out when a 2025-26 return is due and what a late one can cost.

Why is my year-to-date tax higher than I expected?

The usual causes are a bonus or back pay, which raise the YTD tax in the pay they arrive in, no tax-free threshold claimed from this employer, or a study loan component on top of the tax. Each is a prepayment: the tax on the year is settled when you lodge, and anything withheld above it comes back. The Tax on Bonus Calculator shows what a bonus adds, and the Tax Withheld Calculator shows the amount one regular pay should carry.

Does this work if I changed jobs during the year?

Only for the current job on its own. A payslip's YTD figures cover one employer, so projecting them leaves out what an earlier job paid and withheld. Add the earlier job's income and tax from its last payslip to the YTD figures, or wait for your income statement and use the Tax Return Calculator, which takes every employer's figures together.

Related pages.

Tax Return CalculatorEstimate your 2025-26 tax refund or bill from your myGov income statement, with income tax, the offset, Medicare levy, surcharge and HELP shown line by line.
Tax Withheld CalculatorWork out the PAYG tax withheld from a weekly, fortnightly or monthly pay on the ATO 2026-27 formulas, with the working and the tax owed when you lodge.
Income Tax CalculatorWork out income tax, the Medicare levy and the low income tax offset on any salary for 2026-27, with the bracket-by-bracket working shown.
Pay Rise CalculatorSee what a pay rise is worth after tax, how much of a salary increase you keep at your marginal rate, and the extra super paid on top.

Every calculator on this site is listed on the Wage Calculator page.