Resident, no HELP
$77,480
Baseline take-home
🇦🇺 Australia2026–27ATO≈ $8,333/mo turnover
Sole trader tax on $100,000 Australia turnover
This page estimates Australian sole-trader tax on $100,000 annual turnover with A$0 expenses (2026–27). As a resident with no HELP: taxable profit $100,000, income tax about $20,520, Medicare levy about $2,000, take-home about $77,480. That turnover is about $8,333/month before tax. Use the calculator below to add expenses, HELP, private health, or concessional super.
By Sammy S. · Founder · AuthorUpdated for 2026
$77,480
Resident take-home
$20,520
Income tax
$2,000
Medicare levy
Likely
GST flag
Australian resident (A$0 expenses)
$77,480
Tax $20,520 · Medicare $2,000 · 22.5% effective
Foreign resident (A$0 expenses)
$70,000
Tax $30,000 · Medicare $0 · 30.0% effective
Adjust expenses, HELP, or super
Pre-filled with $100,000 turnover and A$0 expenses. Toggle residency, HELP, or concessional super below.
Sole trader inputs (AUD)
Enter turnover and expenses — we estimate income tax, Medicare, GST likelihood, and PAYG instalments
A$
GST-exclusive tax base. GST registration flag uses turnover vs $75,000.
A$
Allowable business costs — capped at turnover in this model.
Turns MLS off when cover applies
A$
Personal concessional contributions reduce taxable income in this model.
Comparing a job offer? See Sole Trader vs Employee or the Australia paycheck calculator.
Take-home (AUD)
$77,480
from $100,000 taxable profit
Total tax
$22,520
22.5% of profit
Employer SG
$0
sole trader
Effective rate
22.5%
tax ÷ profit
Tax breakdown
Taxable profit$100,000
Income tax$20,520
Medicare levy$2,000
GST registration likelyYes
PAYG instalment / quarter≈ $5,630
Take-home$77,480
- • GST turnover $100,000 is at or above the ATO registration threshold ($75,000). This tool flags likelihood only — it does not model GST collected or remitted.
- • PAYG instalments may apply — educational estimate ≈ $5,630 per quarter (ATO entry rules; confirm with the ATO).
- • Employer Super Guarantee is A$0 for sole traders — fund your own super separately.
How to use
1
Enter turnover (A$)
Gross business income for the year — GST-exclusive tax base in this model.
2
Add deductible expenses
Allowable business costs reduce taxable profit (capped at turnover).
3
Choose residency & options
Australian resident, foreign resident, or WHM — plus HELP, PHI, and concessional super.
4
Review take-home & flags
Income tax, Medicare, GST registration likelihood, and PAYG instalment estimate.
Compare paths
On equal A$50k, cash take-home can tie with employees — the package gap is Super Guarantee.
Sole Trader vs EmployeeSole trader hubWhat we model
Taxable profit
Turnover − deductible expenses
Tax-free threshold (resident)
$18,200
Medicare levy
2% (with low-income shade-in)
MLS (no private hospital cover)
1%–1.5% above $105,000 (single)
HELP / HECS
Marginal repayments from $69,528
The take-home and tax figures above come from the turnover, expenses, residency, and options you enter—not a third-party feed. We treat taxable profit as turnover minus deductible expenses, then apply the same Australian income-tax and Medicare engine used for employment PAYG. GST registration likelihood and PAYG instalment estimates use published ATO thresholds. Below are the formulas, steps, and a worked example from the same engine as the live calculator.
Worked example
$100,000 turnover, $0 expenses, Australian resident, 2026–27
| Annual turnover | $100,000 |
| Expenses | $0 |
| Residency | Australian resident |
| Taxable profit | $100,000 |
| Income tax | $20,520 |
| Medicare levy | $2,000 |
| Take-home | $77,480 |
| Employer Super Guarantee | $0 |
| Effective tax rate | 22.5% |
- Turnover $100,000 − expenses $0 = taxable profit $100,000
- $20,520 income tax + $2,000 Medicare levy = $22,520 total tax (22.5% of profit)
- $100,000 − $22,520 tax = take-home $77,480
- Employer Super Guarantee $0 (sole traders self-fund)
Formulas
- Taxable profit: Turnover − deductible business expenses (expenses capped at turnover)
- Income tax: Resident / foreign / WHM brackets on taxable income after optional concessional super (resident tax-free threshold $18,200; LITO up to $700)
- Medicare levy: 2% for residents with shade-in between $28,011 and $35,013
- MLS / HELP (optional): MLS when no private hospital cover above single tiers; HELP marginal repayments from $69,528
- Take-home: Taxable profit − concessional super − income tax − Medicare levy − MLS − HELP (super is A$0 when unused)
- Employer Super Guarantee: Always A$0 for sole traders — self-fund separately
- GST registration flag: Likely when turnover ≥ $75,000 (ATO). Standard GST rate 10% shown for education; collected/remitted GST not modelled.
- PAYG instalment estimate: Educational quarterly estimate when profit and tax payable meet ATO entry factors — confirm with the ATO
Calculation steps
- Compute taxable profitTurnover − expenses
Expenses cannot exceed turnover. Profit is the base for income tax and Medicare.
- Apply residency and optionsResidency · HELP · private hospital cover · concessional super
Same option set as the Australia paycheck engine for residents, foreign residents, and working holiday makers.
- Run income tax + MedicareBrackets, LITO, Medicare levy, optional MLS/HELP
Uses published ATO rates for financial year 2026–27.
- Flag GST and PAYG instalmentsGST if turnover ≥ $75,000; PAYG instalment estimate when ATO entry factors apply
Flags are educational likelihoods — not GST ledgers or ATO instalment notices.
- Return take-home and notesTake-home, tax lines, SG A$0, GST/PAYG notes
Rounded to cents where the engine returns cents; display uses AUD formatting.
We model sole-trader trading profit under standard individual rates—not company structures, trusts, partnership splits, or GST collected/remitted ledgers. Family MLS thresholds, spouse income, and complex HELP repayment-income adjustments can differ from this single-filer model. PAYG instalment amounts are educational estimates from ATO entry factors, not your ATO notice. Results are planning estimates, not ATO advice.
Key takeaways — $100,000 sole trader turnover
- $100,000 turnover, A$0 expenses → about $77,480 take-home (resident, no HELP).
- Income tax ≈ $20,520; Medicare levy ≈ $2,000; employer SG A$0.
- With HELP repayments, take-home falls to about $72,909 (HELP ≈ $4,571).
- With $10,000 expenses, taxable profit is $90,000 and total tax about $19,320.
- GST registration is likely at $100,000 turnover (ATO threshold $75,000). This page flags likelihood only — it does not model GST collected or remitted.
Sole trader tax on $100,000 turnover (2026–27)
This page estimates Australian sole-trader tax on $100,000 annual turnover with A$0 expenses (2026–27). As a resident with no HELP: taxable profit $100,000, income tax about $20,520, Medicare levy about $2,000, take-home about $77,480. That turnover is about $8,333/month before tax. Use the calculator below to add expenses, HELP, private health, or concessional super.
Breakdown at $100,000 (expenses = A$0)
Baseline solves from the same engine as the live calculator.
| Line | Resident | Foreign resident |
|---|---|---|
| Taxable profit | $100,000 | $100,000 |
| Income tax | $20,520 | $30,000 |
| Medicare levy | $2,000 | $0 |
| Total tax | $22,520 | $30,000 |
| Take-home | $77,480 | $70,000 |
| Effective rate | 22.5% | 30.0% |
GST registration is likely at $100,000 turnover (ATO threshold $75,000). This page flags likelihood only — it does not model GST collected or remitted.
PAYG instalments may apply — educational estimate ≈ $5,630 per quarter (confirm with the ATO).
Same $100,000 turnover — other scenarios
Resident + HELP
$72,909
HELP ≈ $4,571
+$10,000 expenses
$70,680
Profit $90,000
How to read this $100,000 page
What $100,000 turnover means
$100,000 a year is about $8,333 per month of business income before expenses and tax.
On the resident expenses=0 baseline, income tax is about $20,520 and Medicare levy about $2,000, leaving roughly $77,480 take-home.
Employer Super Guarantee remains A$0 — self-fund super separately if you want retirement contributions.
GST and PAYG instalments at this turnover
GST registration is likely at $100,000 turnover (ATO threshold $75,000). This page flags likelihood only — it does not model GST collected or remitted.
PAYG instalments may apply — educational estimate ≈ $5,630 per quarter (confirm with the ATO).
Confirm registration and instalment notices on ato.gov.au — this tool does not replace ATO systems.
Expenses and HELP at this turnover
Claiming $10,000 deductible expenses reduces taxable profit to $90,000 and total tax to about $19,320 (take-home from that profit ≈ $70,680).
Enabling HELP on the resident solve reduces take-home to about $72,909 with about $4,571 modelled repayment.
Foreign resident modelling (no tax-free threshold, no Medicare levy in this engine): take-home about $70,000.
Compare with employment
On equal figures, Sole Trader vs Employee Australia shows why cash take-home can tie while the employee package is higher via Super Guarantee.
For employment PAYG from a known salary, use the Australia paycheck calculator. For salary needed to hit a take-home target, use Net to Gross Australia.
Checklist for $100,000 turnover
- 1Confirm $100,000 annual ($8,333/month) matches your expected turnover.
- 2Enter real allowable expenses — do not leave A$0 if you have deductible costs.
- 3Pick Australian resident, foreign resident, or working holiday maker.
- 4Toggle HELP/HECS if compulsory repayments apply.
- 5GST registration is likely at $100,000 turnover (ATO threshold $75,000). This page flags likelihood only — it does not model GST collected or remitted.
- 6PAYG instalments may apply — educational estimate ≈ $5,630 per quarter (confirm with the ATO).
- 7Compare with Sole Trader vs Employee if weighing a job offer.
- 8Confirm rates on ato.gov.au before relying on a figure.
Related turnovers & tools
FAQ — $100,000 sole trader turnover
With A$0 expenses as a resident and no HELP: income tax about $20,520 plus Medicare levy about $2,000 (total ≈ $22,520), leaving about $77,480 take-home (2026–27 estimate).
About $77,480 resident with no expenses or HELP. Foreign resident: about $70,000. Add expenses in the calculator for a closer estimate.
Yes in this model — $100,000 is at or above the $75,000 ATO GST registration threshold. Collected/remitted GST is not modelled.
They may — educational estimate ≈ $5,630 per quarter. Confirm entry and amounts with the ATO.
Take-home falls to about $72,909 with about $4,571 HELP repayment modelled (resident, A$0 expenses).
Taxable profit becomes $90,000; total tax about $19,320; take-home from that profit about $70,680 (resident, no HELP).
No. Employer Super Guarantee is always A$0 for sole traders in this tool.
Use the sole trader Australia hub for any amount, open another turnover page (A$20k–A$100k), or compare employment on Sole Trader vs Employee.
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