Skilled Independent Visa (Subclass 189) Tax Calculator
Subclass 189 visa holders are Australian Permanent Residents with full access to Medicare, the $18,200 tax-free threshold, and Stage 3 individual tax cuts.
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Gross Annual Salary (AUD)
Base salary before tax & superannuation
Visa Subclass & Nationality
Determines tax residency brackets and Medicare eligibility
Additional Residency & Insurance Toggles
Applying for PR with work rights gives you interim Medicare access, removing the MES exemption.
Avoids 1.0% – 1.5% Medicare Levy Surcharge for taxable incomes above $101,000.
Take-Home Income
Levy: $2,700/yr (Australian Citizens and Permanent Residents are eligible for full Medicare and must pay the Medicare Levy.)
Paid in addition to gross salary
Total pkg: $151,200
Citizen vs. Visa Holder Comparison
$99,325
Includes 2% Medicare$99,325
Standard RateTake-home pay matches standard Australian citizen tax rates (Medicare Levy applies).
Private Hospital Cover Tax Shield
Income of $135,000 triggers Medicare Levy Surcharge (Tier 2 (1.25%))
-$1,688
Paid 100% to the ATO as a surcharge tax with zero healthcare benefit.
~$1150/yr
Saves you $538 in net cash + full private hospital cover!
Contextual tax, banking, and overseas remittance offers
Worked Take-Home Pay Examples for Subclass 189 (Skilled Independent PR) Holders
Pre-calculated Stage 3 marginal tax withholdings and Medicare exemption net impact
| Gross Annual Salary | Income Tax (Stage 3) | Medicare Levy (2%) | MES Extra Net Cash | Net Take-Home Pay | Super (12%) |
|---|---|---|---|---|---|
| $90,000 AUD | $17,788 AUD | $1,800 AUD | $0 (PR / Citizen) | $70,412 AUD | $10,800 AUD |
| $135,000 AUD | $31,288 AUD | $2,700 AUD | $0 (PR / Citizen) | $101,012 AUD | $16,200 AUD |
| $180,000 AUD | $47,938 AUD | $3,600 AUD | $0 (PR / Citizen) | $128,462 AUD | $21,600 AUD |
Official ATO & Services Australia Rules for Subclass 189 (Skilled Independent PR)
How your visa subclass is treated under Australian tax legislation
Standard resident Stage 3 tax rates ($0 - $18,200: 0%, $18,201 - $45,000: 16%, $45,001 - $135,000: 30%, $135,001 - $190,000: 37%, >$190,000: 45%).
As a Permanent Resident, you are entitled to full Medicare healthcare coverage and are liable to pay the standard 2% Medicare Levy.
Taxation Guide for Subclass 189 Skilled Independent Permanent Residents
The Subclass 189 visa grants Australian Permanent Residency. Your tax affairs are treated identically to Australian citizens.
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1. Stage 3 Tax Rates for PR Holders
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2. Medicare Levy & Medicare Levy Surcharge (MLS)
Tax & Medicare Questions for Subclass 189 (Skilled Independent PR)
Q:Do Subclass 189 visa holders pay the Medicare Levy?
Yes. Subclass 189 holders are Australian Permanent Residents entitled to public Medicare services and pay the standard 2.0% Medicare levy.