Pay Calculator Australia : Your Take-Home Pay After Tax
Work out your net pay after income tax, the Medicare levy, superannuation and HECS/HELP — free, instant, and built on current ATO rates.
Estimates only — figures are a guide, not tax advice.
What Is a Pay Calculator Australia Tool?
A Pay Calculator Australia is a wage calculator that turns a gross salary or hourly rate into annual take-home pay by applying the current income tax brackets, the Medicare levy, study debt repayments, tax offsets and the superannuation guarantee. Enter your income, choose a pay cycle, adjust the additional settings, and the tool returns a Pay Summary splitting every dollar into tax, super and net pay.
3 main benefits
- Speed — calculates take-home pay in under a minute.
- Accuracy — uses the same 2026-27 ATO rates your employer applies through PAYG Withholding.
- Comparison — test a pay rise, a second job or salary packaging before you commit.
5 main uses
- Checking a payslip
- Comparing job offers
- Budgeting a mortgage application
- Converting an annual salary to an hourly rate
- Estimating a refund or bill at tax time
5 main parts
- An income input
- Additional settings for study debt and super
- A Pay Summary showing annual take-home pay
- A Where Your Money Goes breakdown
- A How Your Tax Was Calculated panel listing each bracket line by line
How to Use This Pay Calculator
To use this pay calculator, follow 6 steps:
Enter your income. Type your gross pay before tax.
Select the period. Choose annual, monthly, fortnightly, weekly, daily or hourly. Hourly entries need your weekly hours, which is 38 for a full-time award employee.
Set the financial year. Select 2026-27, or 2025-26 to compare.
Open additional settings. Tick a study debt for HECS, HELP, VET Student Loan, SFSS, SSL or TSL. Add salary packaging, private health cover, residency and any overtime.
Choose the super setting. Select “plus super” for a salary quoted on top, or “inclusive of super” for a total package.
Read the results. The Pay Summary shows annual take-home pay and weekly take-home pay.
Two entries move results the most. A $80k salary quoted inclusive of super is worth $8,571 less in cash than the same figure quoted plus super.
Your Results Explained
Results appear in 3 sections. Pay Summary lists gross pay, tax, net pay and superannuation across every pay cycle. Where Your Money Goes splits gross pay into take-home pay, income tax, Medicare levy, study debt and offsets. How Your Tax Was Calculated shows the arithmetic for each bracket.
Gross pay vs net pay
Gross pay is income before deductions. Net pay, called take-home pay, is what reaches your bank account.
On a $80,000 salary in 2026-27, gross pay is $80,000 and net pay is $63,880. The $16,120 gap is $14,520 of income tax plus $1,600 of Medicare levy. Employer superannuation sits outside both figures.
Is superannuation included in your salary?
No, superannuation is not included in your salary under most Australian contracts. The standard arrangement quotes a base salary and pays the superannuation guarantee of 12% on top.
Salary plus super
A $80,000 salary attracts $9,600 of super, giving a $89,600 package. Tax is calculated on $80,000.
Total remuneration package
A $80,000 package inclusive of super contains $71,428.57 of salary and $8,571.43 of super.
Public service, nursing and teaching roles usually quote salary plus super. Executive and sales roles more often quote a total package.
How Your Pay Is Calculated in Australia
Your pay is calculated in 5 steps: apply the income tax brackets to taxable income, add the 2% Medicare levy, add any Medicare levy surcharge, add any study debt repayment, then subtract tax offsets.
Income tax brackets
Income tax uses 5 marginal brackets. Each rate applies only to the slice of income inside that bracket.
| Taxable income | Tax on this income |
|---|---|
| $0 – $18,200 | Nil |
| $18,201 – $45,000 | 15c for each $1 over $18,200 |
| $45,001 – $135,000 | $4,020 plus 30c for each $1 over $45,000 |
| $135,001 – $190,000 | $31,020 plus 37c for each $1 over $135,000 |
| $190,001 and over | $51,370 plus 45c for each $1 over $190,000 |
Rates exclude the Medicare levy of 2%. A worker on $100,000 pays $20,520 of income tax: nil on the first $18,200, $4,020 on the next $26,800 at 15%, then $16,500 at 30%.
Medicare levy and surcharge
The Medicare levy is 2% of taxable income. On $80,000 the levy is $1,600, or $30.77 per week.
Full exemption applies to singles earning up to $28,011, with a shade-in zone to $35,014 charged at 10c for each $1 above $28,011. The family threshold is $47,238 and the seniors single threshold is $44,268.
The Medicare levy surcharge (MLS) is a separate 1% to 1.5% charge for higher earners without private patient hospital cover.
| Tier | Singles | Families | Rate |
|---|---|---|---|
| Base | $105,000 or less | $210,000 or less | 0% |
| Tier 1 | $105,001 – $123,000 | $210,001 – $246,000 | 1% |
| Tier 2 | $123,001 – $164,000 | $246,001 – $328,000 | 1.25% |
| Tier 3 | $164,001 and over | $328,001 and over | 1.5% |
The family threshold rises by $1,500 for each dependent child after the first. A single on $120,000 without cover pays $1,200 of surcharge. Hospital cover must run the full year with an excess of $750 or less for singles. Extras-only policies do not remove the surcharge.
HELP repayments
HECS and HELP repayments are calculated marginally, so you repay only on income above each threshold.
| Repayment income | Repayment |
|---|---|
| $0 – $69,528 | Nil |
| $69,529 – $129,717 | 15c for each $1 over $69,528 |
| $129,718 – $186,050 | $9,028 plus 17c for each $1 over $129,717 |
| $186,051 and over | 10% of total repayment income |
A graduate on $100,000 repays $4,570.80. A graduate on $80,000 repays $1,570.80. Repayment income adds reportable fringe benefits, reportable super contributions and net investment losses to taxable income. Study debts carry no interest and are indexed each 1 June by the lower of the Consumer Price Index (CPI) or Wage Price Index (WPI).
Superannuation and salary sacrifice
The superannuation guarantee (SG) rate is 12% of ordinary time earnings. On $70,000 that is $8,400. On $100,000 it is $12,000.
Salary sacrifice moves pre-tax salary into super, cutting taxable income. Contributions are taxed at 15% inside the fund. The concessional contributions cap is $32,500 for 2026-27, covering SG and salary sacrifice combined, so an employee on $100,000 has $20,500 of room.
Salary packaging works the same way. Public hospital and charity employees can package $9,010 or $15,900 of expenses per year.
Tax offsets and rebates
Tax offsets reduce tax dollar for dollar after tax has been calculated. There are 3 offsets affecting most wage earners.
LITO
Low Income Tax Offset. Up to $700 for taxable income of $37,500 or less, reducing by 5c per dollar to $45,000, then 1.5c per dollar to nil at $66,667.
SAPTO
Seniors and Pensioners Tax Offset. Lifts the effective tax-free threshold for eligible retirees.
Health rebate
Private health insurance rebate. Returns part of your premium, income tested on the surcharge tiers.
An employee on $60,000 receives $100 of LITO. An employee on $40,000 receives $575.
Changes for 2026-27
Six figures changed on 1 July 2026.
- The second bracket rate fell from 16% to 15%, saving every resident above $45,000 $268 a year.
- The study debt threshold rose from $67,000 to $69,528.
- The MLS single threshold rose from $101,000 to $105,000, families from $202,000 to $210,000.
- Medicare levy low-income thresholds rose 2.9%.
- The concessional contributions cap rose from $30,000 to $32,500.
- The superannuation guarantee stayed at 12%.
What’s next: the 15% rate falls to 14% on 1 July 2027, alongside a Working Australians Tax Offset of up to $250.
Salary After Tax Examples (2026-27)
Figures use 2026-27 resident rates with LITO applied, no study debt and no surcharge.
| Gross salary | Income tax | Medicare levy | Total tax | Annual take-home | Super at 12% |
|---|---|---|---|---|---|
| $30,000 | $1,070 | $199 | $1,269 | $28,731 | $3,600 |
| $45,000 | $3,695 | $900 | $4,595 | $40,405 | $5,400 |
| $60,000 | $8,420 | $1,200 | $9,620 | $50,380 | $7,200 |
| $70,000 | $11,520 | $1,400 | $12,920 | $57,080 | $8,400 |
| $80,000 | $14,520 | $1,600 | $16,120 | $63,880 | $9,600 |
| $100,000 | $20,520 | $2,000 | $22,520 | $77,480 | $12,000 |
| $120,000 | $26,520 | $2,400 | $28,920 | $91,080 | $14,400 |
| $150,000 | $36,570 | $3,000 | $39,570 | $110,430 | $18,000 |
| $200,000 | $55,870 | $4,000 | $59,870 | $140,130 | $24,000 |
$40 an hour? At 38 hours a week that is $79,040 a year, $63,227 of take-home pay and $9,485 of super.
$70,000 a year, hourly? That is $35.43 gross and $28.89 net per hour.
Weekly, Fortnightly, Monthly and Annual Pay
| Salary | Weekly net | Fortnightly net | Monthly net | Annual net |
|---|---|---|---|---|
| $60,000 | $968.85 | $1,937.69 | $4,198.33 | $50,380 |
| $70,000 | $1,097.69 | $2,195.38 | $4,756.67 | $57,080 |
| $80,000 | $1,228.46 | $2,456.92 | $5,323.33 | $63,880 |
| $100,000 | $1,490.00 | $2,980.00 | $6,456.67 | $77,480 |
Two quirks catch people out. Some years contain 27 fortnightly or 53 weekly pays, spreading the same annual tax across an extra pay. Monthly pay is not four weekly pays, since a month averages 4.33 weeks.
Mistakes and Situations That Change Your Numbers
Common mistakes
There are 6 mistakes that produce a wrong take-home figure.
- Mixing salary plus super with a total package.
- Forgetting a study debt, worth $4,570.80 at $100,000.
- Claiming the tax-free threshold from two employers.
- Entering gross pay after salary packaging.
- Using 40 hours instead of the award standard 38.
- Ignoring the Medicare levy surcharge.
Casual workers
Casual workers receive a casual loading of 25% in place of paid leave, so a $30 base rate pays $37.50 an hour. Tax works identically to permanent employment, though withholding varies week to week and the tax return settles the difference. Enter average weekly hours for a realistic annual figure. Casual employees receive the 12% superannuation guarantee, including on the loading.
Multiple jobs
Claim the tax-free threshold from one employer only, usually the highest paying. Two jobs paying $40,000 each produce $80,000 of income and $16,120 of tax, and split withholding often falls short, creating a bill. Ask the second employer to withhold an extra amount, and add both incomes together in the calculator.
Contractors
Contractors receive gross payments and pay tax through quarterly PAYG instalments. Four costs sit on a contract rate that a salary does not carry: income tax, the Medicare levy, superannuation and Goods and Services Tax (GST) registration above $75,000 of turnover. A contractor on $85 an hour bills $167,960 over 1,976 hours and funds super and unpaid leave from that figure.
Overtime & penalty rates
Overtime, allowances and penalty rates are taxed at your marginal rate. Six payment types change your numbers: overtime at time-and-a-half or double time, weekend and public holiday penalty rates, shift allowances, annual leave loading of 17.5%, expense and remote area allowances, and bonuses withheld under a separate ATO schedule. Overtime is excluded from ordinary time earnings, so no super is paid on it. Penalty rates, shift loadings and leave loading do attract the 12% superannuation guarantee.
Non-residents
Foreign residents pay tax from the first dollar with no tax-free threshold and no Medicare levy.
| Taxable income | Tax on this income |
|---|---|
| $0 – $135,000 | 30c for each $1 |
| $135,001 – $190,000 | $40,500 plus 37c for each $1 over $135,000 |
| $190,001 and over | $60,850 plus 45c for each $1 over $190,000 |
Working holiday makers on 417 and 462 visas pay 15% on the first $45,000. A non-resident on $80,000 pays $24,000 against a resident’s $16,120.
How to Check Your Pay Is Correct
To check your pay is correct, compare 4 numbers on your payslip against the calculator: gross pay, tax withheld, net pay and superannuation. Follow 6 steps:
Confirm your award classification through the Fair Work Ombudsman Pay Calculator.
Check the base rate against the award and the minimum wage.
Recalculate gross pay from hours, rate, loading, penalties and allowances.
Compare tax withheld against the calculator for your pay cycle.
Check super at 12% of ordinary time earnings and confirm it reached your fund.
Match year-to-date figures against your income statement in myGov.
Raise a discrepancy with payroll in writing. Unresolved underpayment goes to the Fair Work Ombudsman, and unpaid super goes to the ATO.
Explore related calculators: tax bracket comparisons, salary guides, federal ADF pay, and state and territory public service rates.
Submit Your Salary Anonymously
Submit your salary anonymously through the submission form to add a data point to the market rates dataset. The form collects 6 fields: job title, industry, state, years of experience, employment type, and total package. No name, email, or employer identifier is stored.
Anonymous submissions build the pay benchmarks that sit behind every industry-specific pay benchmark and regional pay difference factor shown on the site.
Help the Salary Community
Help the salary community by adding your figures, since pay transparency in Australia rests on shared data rather than published pay scales. Three groups gain directly:
Graduates pricing a first offer against a trainee wage progression chart.
Workers checking whether a regional pay difference factor explains a gap.
Career changers comparing a base rate hourly breakdown across two industries.
Every submission sharpens the market rates figures other users see when they run the Pay Calculator Australia.
Frequently Asked Questions
Is this calculator accurate, free and up to date?
Yes, this pay calculator is accurate, free and up to date for 2026-27. It applies the resident tax brackets, the 2% Medicare levy with the low-income shade-in, LITO, the marginal HECS and HELP thresholds, the MLS tiers and the 12% superannuation guarantee. Results are full-year estimates, and deductions, part-year work and investment income change the final assessment.
How is income tax calculated in Australia?
Income tax is calculated by applying 5 marginal rates to successive slices of taxable income, then subtracting offsets and adding the Medicare levy. The first $18,200 is tax free, the next $26,800 is taxed at 15%, $45,001 to $135,000 at 30%, $135,001 to $190,000 at 37%, and income above $190,000 at 45%.
Do I pay tax on my superannuation?
Yes, you pay tax on superannuation at 15% on concessional contributions inside the fund rather than at your marginal rate. Division 293 lifts that to 30% for income above $250,000, fund earnings are taxed at 15%, and withdrawals from age 60 are tax free for taxed-source benefits.
Will I get a refund or a bill at tax time?
You get a refund when withholding exceeds your assessed tax, and a bill when it falls short. Refunds come from work deductions, health insurance rebates and bonuses taxed at a high withholding rate. Bills come from a second job claiming the tax-free threshold, investment income, capital gains, the Medicare levy surcharge, and unwithheld study debt.
How are HECS/HELP repayments calculated?
HECS and HELP repayments are calculated marginally on repayment income above $69,528. The first band charges 15c for each $1 to $129,717, the second charges $9,028 plus 17c for each $1 above that, and income over $186,050 is charged at 10% of the total. A worker on $85,000 repays $2,320.80.
Does this work for casual and part-time work?
Yes, this pay calculator works for casual and part-time work. Enter your hourly rate and average weekly hours, and the tool annualises the figure before applying the brackets. Part-time employees are paid pro rata with leave entitlements, casual employees receive a 25% loading instead, and both receive 12% super.
How much tax do I pay on $100,000 in Australia?
You pay $22,520 of tax on $100,000 in Australia for 2026-27, being $20,520 of income tax and $2,000 of Medicare levy. Annual take-home pay is $77,480, or $6,456.67 monthly, $2,980 fortnightly and $1,490 weekly. The average rate is 22.5% and the marginal rate is 30%. A study debt adds $4,570.80, cutting take-home pay to $72,909.20.