Family Tax Benefit Calculator Australia (2026–27)
Calculate your Australian Family Tax Benefit Part A and Part B fortnightly payment entitlements, annual end-of-year supplements, and income test cut-offs under Services Australia rules for 2026–27.
1. Family Income & Children Details
$16,800 / yr
Approx. $646 per fortnight.
FTB Component Breakdown
FTB Part A (Annual): $12,200
FTB Part B (Annual): $4,600
1. The Australian Family Tax Benefit Framework (2026–27)
Family assistance in Australia is administered by Services Australia under A New Tax System (Family Assistance) Act 1999.
Understanding how FTB Part A and Part B income tests, maintenance income testing, and end-of-year supplements interact ensures eligible families maximize financial assistance while avoiding debt balancing overpayments.
2. Combined Family ATI Income & FTB Payment Benchmarks
| Family ATI Combined Income | Children Profile | FTB Part A (/fn) | FTB Part B (/fn) | Annual Supplement Bonus |
|---|---|---|---|---|
| $55,000 Combined ATI | 2 Children (Ages 4 & 8) | $444.08 / fn Max | $181.30 / fn Max | $2,240 / Year Lump Sum |
| $85,000 Combined ATI | 2 Children (Ages 6 & 14) | $310.50 / fn Tapered | $0.00 (Secondary Inc > Limit) | $1,800 / Year Lump Sum |
| $115,000 Combined ATI | 3 Children (Ages 2, 7 & 11) | $215.20 / fn Base Rate | $0.00 | $2,700 / Year Lump Sum |
| $45,000 (Single Parent) | 1 Child (Age 5) | $222.04 / fn Max | $181.30 / fn Max | $1,340 / Year Lump Sum |
3. The Mathematics of Income Taper Reductions & Supplements
Fortnightly FTB Part A Payment (FTBA_fn) for maximum rate (Max_rate), combined income (ATI), lower threshold (T_low), and taper rate (20c) is:
Example Calculation ($85,000 Combined Family ATI, 2 Children Aged 4 & 8):
- Maximum FTB Part A Base Rate: $222.04 × 2 = $444.08 / fortnight ($11,546 / year).
- Income Taper Reduction ($85,000 vs $65,000 threshold): ($85,000 - $65,000) × 20% = $4,000 reduction / year.
- Payable FTB Part A = $11,546 - $4,000 = $7,546 / year ($290.23 / fortnight).
4. Step-by-Step Guide to Calculating Family Tax Benefit
Estimate Combined Family Adjusted Taxable Income (ATI)
Sum taxable income, reportable fringe benefits, and net rental losses for both partners.
Input Number of Dependent Children & Their Ages
Enter ages of dependent children (0–12, 13–15, 16–19 secondary students).
Input Annual Child Support Received (Maintenance Income)
Declare child support amounts received to apply the Maintenance Income Test.
Calculate FTB Part A, FTB Part B & End-of-Year Supplements
Apply income test tapers (20c and 30c per $) to calculate fortnightly payments.
Lodge Claim via myGov & Confirm Child Immunisation Status
Submit FTB claim in myGov; ensure AIR immunisations match "No Jab, No Pay" rules.
5. Family Tax Benefit Mistakes & Checklist
Underestimating Secondary Earner Income for FTB Part B
Under-estimating the secondary partner’s earning by $10,000, triggering FTB Part B debt recovery at tax balancing time.
Failing to Update Immunisation Records on the AIR Register
Missing an overdue vaccination, causing Centrelink to withhold 100% of end-of-year FTB supplements.
Not Declaring Child Support Received for Maintenance Income Tests
Omitting maintenance income, leading to automatic data-matching debts with Child Support records.
Delaying Annual Tax Return Lodgment Beyond 12 Months
Failing to lodge tax returns within 12 months after 30 June, forfeiting all FTB end-of-year supplement entitlements.
Family Tax Benefit Compliance Checklist
Australian Immunisation Register (AIR) Status Verification
Check Medicare myGov account to verify child immunisations match the AIR schedule.
Family Income Estimate Accuracy Audit
Keep ATI estimates in myGov accurate to prevent end-of-year debt balancing recovery.
Secondary Student Study Activity Confirmation
Confirm full-time secondary study enrollment in myGov for children aged 16–19.
Annual Tax Return Lodgment Timing Compliance
Lodge annual tax returns before 30 June of the following financial year to receive supplements.
6. Annual FTB Claim & Tax Balancing Lifecycle Timeline
Initial FTB Claim Submission via myGov
Lodge combined FTB Part A and Part B claim online in myGov Centrelink portal.
Fortnightly FTB Direct Payment
Receive combined FTB Part A and Part B fortnightly payments directly into bank account.
Income Estimate & School Status Updates
Update family income estimates or secondary student study status when changes occur.
Annual Income Reconciliation & Supplement Payout
Lodge tax returns; Centrelink reconciles actual income and pays lump-sum supplements.
Disclaimer: This Family Tax Benefit calculator and guide are provided for general educational and family assistance planning purposes only. Services Australia FTB Part A and Part B fortnightly payment rates, income thresholds ($65,000 lower limit), Maintenance Income Free Areas, and end-of-year supplement rules reflect 2026–27 statutory guidelines. This page does not constitute formal social security advice.
Charlotte Smith
Senior Personal Finance & Taxation Specialist at AussieSpot
Charlotte Smith is the lead personal finance advisor and workplace specialist at AussieSpot. Charlotte has over 12 years of experience helping Australian households build budgets, plan savings goals, and manage living costs.
Frequently Asked Questions (FAQ)
What is the difference between Family Tax Benefit Part A and Part B in Australia?
FTB Part A is paid per child based on total combined family income to assist with general raising costs. FTB Part B provides extra assistance to single-parent families, non-parent carers, and couple families where one parent is the primary earner.
What are the FTB Part A maximum fortnightly payment rates in 2026–27?
Maximum fortnightly rates include: $222.04 / fn for each child aged 0–12, $288.82 / fn for each child aged 13–19 (in secondary study). Families earning under ~$65,000 receive maximum FTB Part A.
How does the Maintenance Income Test (MIT) affect FTB Part A?
Child support payments received above the Maintenance Income Free Area (~$1,850/yr) reduce your FTB Part A by 50 cents for every dollar of child support received above the threshold.
What are the End-of-Year FTB Supplement payments?
Services Australia pays an annual lump-sum supplement after end-of-year tax balancing (~$900 per child for FTB Part A and ~$440 per family for FTB Part B), provided immunization requirements are met.
What is the "No Jab, No Pay" rule for Family Tax Benefit Part A?
Under Australian law, children must meet National Immunisation Program schedule requirements (or have an approved medical exemption) for families to receive the FTB Part A end-of-year supplement.