Upload your payslips. PayLuma reads the figures, keeps track all year, and shows the refund or bill you're heading for, while there's still time to do something about it.
Founding members lock in $39 a year, for life.
PayLuma's estimate for 30 June
If your income moves with nights, weekends, overtime or a second job, the tax taken out each pay is a guess. PayLuma keeps a running total so the guess doesn't become a surprise.
Tax rates, the Medicare levy surcharge and HELP repayments stack up. Near some thresholds, a little extra income costs far more than you'd expect. Try it.
Of your next $1,000, you keep
Illustration only, for a single Australian resident in 2026–27 with no other adjustments. Uses current resident tax rates, the 2% Medicare levy, the Medicare levy surcharge for singles and compulsory HELP repayments. Your own result depends on your situation. PayLuma works it out from your payslips.
Start with one payslip. Add the rest as the year goes.
A few minutes the first time, then a minute each payday.
PayLuma reads it and sets up your employer for you.
Hospital cover, HELP debt, salary packaging, any rentals or side business.
Your projected refund or bill, updated every time you add a payslip.
Put money aside, check your cover, or see what extra shifts are worth while there's still time.
Start free. Founding members keep their price for as long as they stay.
For keeping an eye on things
Locked in for life, for our first members
Payslips are personal. We treat them that way.
Your records are kept in a Sydney data centre and each account can only ever see its own data.
We don't sell your data or pass it to advertisers. We never ask for your tax file number or bank logins.
One button removes all your records and receipts, permanently.
No. PayLuma gives general information and estimates based on the figures you enter and current Australian tax rates. It doesn't tell you what to claim. For advice about your situation, speak with a registered tax agent.
No. PayLuma works from your payslips, plus anything you choose to add such as receipts or rental statements.
No. You lodge yourself in myTax, or through a registered tax agent. PayLuma's summary lays your figures out in the order myTax asks for them.
Yes, if you're an Australian resident for tax purposes, as most people on skilled work visas are. Many work visa holders aren't entitled to Medicare, and PayLuma can include the Medicare levy exemption if you have a Medicare Entitlement Statement. Working holiday makers and non-residents are taxed differently and aren't covered yet.
It will answer questions about your own figures in plain English, like "why has my estimate changed?" or "what happens if I pick up two extra shifts?". It explains your numbers. It won't tell you what to claim, and it isn't tax advice.
We're testing with a small group now. Join the waitlist and we'll email you when your spot opens, with the founding member price.
Join the waitlist for early access and the $39 founding member price.
We'll only email you about PayLuma. See our privacy note.
Android and iOS apps and an AI assistant are on the way. Waitlist members hear first.