ExpatTaxCalcAU — Australia's #1 Visa Tax & Medicare Exemption Engine
ATO FY 2025/26 STAGE 3 ACTIVE•
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ExpatTaxCalcAUAU

Australian Visa Tax & Medicare Engine

Calculate Tax
Permanent Resident (Subclass 190) – Stage 3 Rates FY 2025/26

Skilled Nominated Visa (Subclass 190) Tax Calculator

Subclass 190 visa holders are state-nominated Australian Permanent Residents taxed under standard resident tax rates with full Medicare entitlements.

Stage 3 Marginal Rates100% Medicare Exemption Check12% Superannuation Guarantee
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Gross Annual Salary (AUD)

Base salary before tax & superannuation

FY 2025/26 Stage 3
AUD $
$20k$100k$180k$300k
Quick Presets:

Visa Subclass & Nationality

Determines tax residency brackets and Medicare eligibility

Non-RHCA (MES Eligible)

Additional Residency & Insurance Toggles

Applied for Permanent Residency (PR)?Subclass 186/189/190/820

Applying for PR with work rights gives you interim Medicare access, removing the MES exemption.

Adequate Private Hospital Cover?Avoids MLS Surcharge

Avoids 1.0% – 1.5% Medicare Levy Surcharge for taxable incomes above $101,000.

Estimated Net Pay

Take-Home Income

Net Take-Home (annual)26.2% Effective Rate
$95,987/ annual
Medicare Levy Payable (2%)Standard

Levy: $2,600/yr (Australian Citizens and Permanent Residents are eligible for full Medicare and must pay the Medicare Levy.)

Gross Salary$130,000
Income Tax (Stage 3)-$29,788
Medicare Levy-$2,600
Medicare Levy Surcharge (Tier 2 (1.25%))-$1,625
Total Tax Withheld$34,013
Employer Superannuation12.0%

Paid in addition to gross salary

$15,600

Total pkg: $145,600

Citizen vs. Visa Holder Comparison

AU Citizen / PR

$95,987

Includes 2% Medicare
Visa Holder (You)

$95,987

Standard Rate

Take-home pay matches standard Australian citizen tax rates (Medicare Levy applies).

Private Hospital Cover Tax Shield

Income of $130,000 triggers Medicare Levy Surcharge (Tier 2 (1.25%))

Penalty: -$1,625/yr
Without Hospital Cover (Tax Penalty)

-$1,625

Paid 100% to the ATO as a surcharge tax with zero healthcare benefit.

With Basic Hospital Cover

~$1150/yr

Saves you $475 in net cash + full private hospital cover!

Compare ATO compliant private hospital health funds (Bupa, Medibank, nib).Compare Tax Shield Policies
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Official ATO & Services Australia Rules for Subclass 190 (Skilled Nominated PR)

How your visa subclass is treated under Australian tax legislation

Tax Residency Treatment

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%).

Medicare Levy Exemption (MES) Guidance

Permanent Residents are covered by Medicare and pay the 2% Medicare Levy. Private hospital insurance is recommended for incomes over $101,000 to avoid MLS.

Subclass 190 Skilled Nominated Visa Tax Guide

The Subclass 190 visa is a state-nominated points-tested permanent residency visa.

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1. Full Resident Tax Rights

  • Full $18,200 tax-free threshold.
  • Stage 3 tax brackets starting at 16% and 30%.
  • Employer 12.0% Superannuation Guarantee.

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    2. Healthcare & MLS Avoidance

  • Enrol in Medicare using your grant notice to receive your green Medicare card.
  • High earners ($101k+ for singles) should maintain private hospital cover to eliminate the Medicare Levy Surcharge.
    • Frequently Asked Questions

    Tax & Medicare Questions for Subclass 190 (Skilled Nominated PR)

    Q:Are Subclass 190 holders eligible for Medicare?

    Yes, you receive full Medicare benefits upon grant of your Subclass 190 visa.