Australian pay and tax · 2026–27
Pay Calculator Australia 2026–27
Your take-home pay after tax for any salary or wage, 2026–27.
- Current ATO rates
- Free, no sign-up
- Private: runs in your browser
Your take-home pay
Take-home pay per fortnight
$2,469.23
$64,200.00 a year · plus $9,600.00 super paid on top
- Gross pay
- $3,076.92
- Income tax
- −$546.92
- Medicare levy
- −$60.77
- Take-home pay
- $2,469.23
- Super (paid on top)
- $369.23
On the same pay you take home $588.00 more a year in 2026–27 than in 2025–26. Compare every year.
See the full breakdown of $80,000 after tax, with tax by bracket, HECS-HELP and super.
Plan where your $2,469.23 a fortnight goes with the budget planner.
| Pay cycle | Gross | Tax | Medicare | Take-home | Super |
|---|---|---|---|---|---|
| Annual | $80,000.00 | $14,220.00 | $1,580.00 | $64,200.00 | $9,600.00 |
| Monthly | $6,666.67 | $1,185.00 | $131.67 | $5,350.00 | $800.00 |
| Fortnightly | $3,076.92 | $546.92 | $60.77 | $2,469.23 | $369.23 |
| Weekly | $1,538.46 | $273.46 | $30.38 | $1,234.62 | $184.62 |
| Daily | $307.69 | $54.69 | $6.08 | $246.92 | $36.92 |
| Hourly | $40.49 | $7.20 | $0.80 | $32.49 | $4.86 |
Rates checked 12 October 2026 against the ATO · How we calculate · Calculated in your browser; nothing you enter is sent anywhere.
How your pay is worked out
Updates as you change your pay. Hover over or tab to a bar for the figures.
Out of every $100 you earn
- Take-home pay $80.25 $64,200 a year
- Income tax $17.78 $14,220 a year
- Medicare levy $1.98 $1,580 a year
How your income tax is worked out
Each tax rate applies only to the part of your income inside its bracket.
- Left after income tax
- Income tax
- $0 – $18,200 · tax-free$18,200 → $0 tax
- $18,201 – $45,000 · 15% rate$26,800 → $4,020 tax
- $45,001 – $135,000 · 30% rate$34,000 → $10,200 tax
- $135,001 – $190,000 · 37% rateNot reached
- $190,001 and over · 45% rateNot reached
Taxable income $79,000 (pay of $80,000 less $1,000 of deductions) → tax by bracket $14,220.
Show as a table
| Taxable income | Rate | Your income in it | Tax |
|---|---|---|---|
| $0 – $18,200 | 0% | $18,200 | $0 |
| $18,201 – $45,000 | 15% | $26,800 | $4,020 |
| $45,001 – $135,000 | 30% | $34,000 | $10,200 |
| $135,001 – $190,000 | 37% | $0 | $0 |
| $190,001 and over | 45% | $0 | $0 |
Your pay as a payslip
Your employer collects tax as you go. Each pay, they withhold an amount set by the ATO’s withholding formulas, which already include the Medicare levy. Those formulas round to the dollar and assume a typical year, so what is withheld rarely matches your tax for the year exactly. The difference is settled when you lodge your tax return.
To check a payslip in detail, use the tax withheld calculator.
| Gross pay | $3,076.92 |
|---|---|
| PAYG tax withheld (includes Medicare levy) | −$622.00 |
| Net pay | $2,454.92 |
| Employer super | $369.23 |
Over 26 pays, about $16,172.00 is withheld against estimated tax of $15,800.00, so you could expect roughly $372.00 back when you lodge your tax return.
How your pay was calculated
Income tax is charged in brackets. Each rate applies only to the part of your income inside its band, so a pay rise that crosses into a higher bracket is taxed at the higher rate only on the dollars above the threshold.
- Taxable income: $79,000.00 (pay of $80,000.00 less the $1,000.00 standard deduction for work-related expenses)
- Marginal tax rate: 30%
- Average rate (all tax and repayments ÷ gross): 19.75%
| Taxable income band | Rate | Your income in band | Tax |
|---|---|---|---|
| $0 – $18,200 | 0% | $18,200.00 | $0.00 |
| $18,201 – $45,000 | 15% | $26,800.00 | $4,020.00 |
| $45,001 – $135,000 | 30% | $34,000.00 | $10,200.00 |
| $135,001 – $190,000 | 37% | $0.00 | $0.00 |
| $190,001 and over | 45% | $0.00 | $0.00 |
| Income tax before offsets | $14,220.00 | ||
| Income tax | $14,220.00 | ||
| Medicare levy | $1,580.00 | ||
| Total tax and repayments | $15,800.00 | ||
| Take-home pay | $64,200.00 | ||
See the full tax rates for 2026–27. Every rate, formula and source is listed in our methodology.
Weekly, fortnightly and monthly pay
Your annual pay is divided by the number of paydays: 52 for weekly pay, 26 for fortnightly and 12 for monthly. On a $80,000 salary in 2026–27, that is $1,234.62 a week, $2,469.23 a fortnight or $5,350.00 a month after tax.
Two fortnightly pays ($4,938.46) come to $411.54 less than one monthly pay. Nothing is missing: a month averages about 4.33 weeks, so it covers more days than two fortnights. Over a full year every cycle adds up to the same total.
27-pay years
In a year with 27 fortnightly paydays, an employer that divides your salary by 27 pays $2,962.96 each fortnight before tax instead of $3,076.92. Because the ATO’s withholding formulas assume 26 pays, you can ask for extra tax to be withheld each fortnight; at this pay level the ATO’s suggested amount is $12. Tick “27 fortnightly pays” under More options to see your figures. The 27 fortnights guide shows which paydays give 27 pays in each year.
Paid by the hour? Work out your weekly pay from an hourly rate and hours.
Super: on top or included?
Your employer must pay super guarantee of 12% of your earnings into your super fund. Most salaries are quoted without super, so the calculator adds it on top by default. Some offers quote a package or total remuneration that already includes super; tick “Pay includes super” and the calculator works backwards: base salary equals the package divided by 1.12.
For example, a $90,000 package including super is a base salary of $80,357.14 plus $9,642.86 super, for take-home pay of $64,442.90 a year. If $90,000 were the base salary instead, take-home pay would be $71,000.00 with $10,800.00 super on top, so it is worth checking which one an offer means.
In 2026–27 employers do not have to pay super guarantee on earnings above $270,830 a year. Contributions are taxed inside your super fund, so they do not change your take-home pay.
Income tax rates 2026–27
Income tax uses 5 marginal brackets. Each rate applies only to the slice of your taxable income inside that bracket. The rates below do not include the 2% Medicare levy.
| 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 |
On $100,000 you pay $20,220 of income tax and $1,980 of Medicare levy, after the standard deduction lowers your taxable income to $99,000.
Medicare levy and surcharge
The Medicare levy is 2% of taxable income. Singles earning $28,011 or less pay none, and it phases in up to $35,013. The Medicare levy surcharge is extra, and applies only if you earn above the base tier and do not have private hospital cover. On $120,000 without cover it adds $1,190.
| Tier | Singles | Families | Rate |
|---|---|---|---|
| Base tier | $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 or more | $328,001 or more | 1.5% |
The family threshold rises by $1,500 for each dependent child after the first. Your hospital cover has to be held all year to avoid the surcharge, and extras-only cover does not count. See the Medicare levy surcharge calculator.
HECS-HELP repayments
Study loan repayments are worked out on repayment income above each threshold, so you repay only on the part of your income over it.
| 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 your total repayment income |
On $100,000 the repayment is $4,420.80. The HECS calculator shows how long your debt will take to clear.
Salary after tax examples 2026–27
Resident rates with the standard deduction and the low income tax offset applied, no study loan and no surcharge. Super is paid on top.
| Salary | Income tax | Medicare levy | Take-home a year | A fortnight | Super at 12% |
|---|---|---|---|---|---|
| $30,000 | $920.00 | $98.90 | $28,981.10 | $1,114.66 | $3,600.00 |
| $45,000 | $3,495.00 | $880.00 | $40,625.00 | $1,562.50 | $5,400.00 |
| $60,000 | $8,105.00 | $1,180.00 | $50,715.00 | $1,950.58 | $7,200.00 |
| $70,000 | $11,220.00 | $1,380.00 | $57,400.00 | $2,207.69 | $8,400.00 |
| $80,000 | $14,220.00 | $1,580.00 | $64,200.00 | $2,469.23 | $9,600.00 |
| $100,000 | $20,220.00 | $1,980.00 | $77,800.00 | $2,992.31 | $12,000.00 |
| $120,000 | $26,220.00 | $2,380.00 | $91,400.00 | $3,515.38 | $14,400.00 |
| $150,000 | $36,200.00 | $2,980.00 | $110,820.00 | $4,262.31 | $18,000.00 |
| $200,000 | $55,420.00 | $3,980.00 | $140,600.00 | $5,407.69 | $24,000.00 |
On $40 an hour for 38 hours a week, you earn $79,040 a year, take home $63,547.20 and get $9,484.80 of super.
What changed on 1 July 2026
- A new standard deduction of up to $1,000 for work-related expenses is taken off your income automatically, with no receipts needed. The calculator applies it for you.
- The rate on $18,201 – $45,000 fell from 16% to 15%, a change of up to $268 a year.
- HECS-HELP repayments now start above $69,528, up from $67,000.
- The Medicare levy surcharge now starts above $105,000 for singles (was $101,000) and $210,000 for families (was $202,000).
- The concessional super contributions cap rose from $30,000 to $32,500.
- The super guarantee stays at 12%.
Coming next
- From 1 July 2027: The 15% rate on taxable income between $18,201 and $45,000 falls to 14%.
- From 1 July 2027: A new non-refundable Working Australians tax offset of up to $250 for residents whose net labour income is above the tax-free threshold.
Common mistakes
- Mixing up a salary plus super with a package that includes super.
- Forgetting a study loan, which costs $4,420.80 a year on $100,000.
- Claiming the tax-free threshold from two employers.
- Using 40 hours a week instead of the standard 38 for a full-time award employee.
- Ignoring the Medicare levy surcharge when you earn over $105,000 without hospital cover.
- Expecting overtime and bonuses to show here: the calculator covers your ordinary salary.
Casual work, second jobs and contracting
Casual workers
Casuals usually get a 25% loading instead of paid leave, so a $30 base rate pays $37.50 an hour. Tax works the same as for permanent staff. Enter your average weekly hours for a realistic yearly figure. Super guarantee of 12% is paid on casual earnings, including the loading.
Two or more jobs
Claim the tax-free threshold from one employer only, usually the one that pays most. If two jobs paying $40,000 each both claim it, each is taxed as if it were your only income, and together they fall about $9,250 short of the tax on $80,000. You then owe that at tax time. The second job tax calculator works out the right amount.
Contractors
Contractors are paid gross and cover their own tax, usually through PAYG instalments. A contract rate also has to fund your own super, unpaid leave and, above $75,000 of turnover, GST registration. Use the contractor pay calculator.
Overtime, penalty rates and allowances
Overtime, penalty rates, shift loadings, allowances and bonuses are all taxed as ordinary income. Overtime is not ordinary time earnings, so super guarantee is not paid on it. Penalty rates, shift loadings and leave loading usually are. See the overtime and penalty rates calculator.
How to check your pay is right
- Find your award and classification with the Fair Work Ombudsman.
- Check your base rate against the award and the minimum wage.
- Recalculate your gross pay from hours, rate, loadings, penalties and allowances.
- Compare the tax withheld with this calculator for your pay cycle.
- Check super is 12% of your ordinary time earnings and has reached your fund.
- Match your year-to-date figures with your income statement in myGov.
Raise any difference with payroll in writing first. Unpaid wages can go to the Fair Work Ombudsman, and unpaid super to the ATO.
Popular salaries after tax
Full breakdowns for common salaries in 2026–27, including tax by bracket, HECS-HELP and super:
| Salary | Take-home a year | A fortnight |
|---|---|---|
| $50,000 after tax | $44,065.00 | $1,694.81 |
| $60,000 after tax | $50,715.00 | $1,950.58 |
| $70,000 after tax | $57,400.00 | $2,207.69 |
| $80,000 after tax | $64,200.00 | $2,469.23 |
| $90,000 after tax | $71,000.00 | $2,730.77 |
| $100,000 after tax | $77,800.00 | $2,992.31 |
| $110,000 after tax | $84,600.00 | $3,253.85 |
| $120,000 after tax | $91,400.00 | $3,515.38 |
| $130,000 after tax | $98,200.00 | $3,776.92 |
| $150,000 after tax | $110,820.00 | $4,262.31 |
| $180,000 after tax | $129,120.00 | $4,966.15 |
| $200,000 after tax | $140,600.00 | $5,407.69 |
Pay calculators by state and territory
- Pay calculator NSW: NSW public holidays, long service leave and local earnings.
- Pay calculator VIC: Victorian public holidays, long service leave and local earnings.
- Pay calculator QLD: Queensland public holidays, long service leave and local earnings.
- Pay calculator WA: WA public holidays, long service leave and local earnings.
- Pay calculator SA: South Australian public holidays, long service leave and local earnings.
- Pay calculator TAS: Tasmanian public holidays, including regional show days, and long service leave.
- Pay calculator ACT: Canberra’s public holidays, long service leave and earnings.
- Pay calculator NT: Territory public holidays and show days, long service leave and earnings.
More calculators
- Weekly pay calculator: Start from an hourly rate and the hours you work.
- Hourly to salary: Convert an hourly rate to a salary, or back again.
- Overtime and penalty rates: Pay for overtime, weekends and public holidays.
- Work hours calculator: Add up timesheet hours, less unpaid breaks.
- Pay rise calculator: What a pay rise adds to your take-home pay.
- Contractor pay: Take-home pay from a contract or day rate.
- Reverse salary calculator: The salary you need for the take-home pay you want.
- Pro rata salary: Part-time pay from a full-time salary, with leave.
- Compare job offers: Two job offers side by side after tax and super.
- Super calculator: Your super balance at retirement, in today’s dollars.
- Salary sacrifice calculator: What salary sacrificing into super does to your pay and super.
- HECS calculator: HECS-HELP repayments and how long your debt will take to clear.
- Annual leave calculator: Annual leave balance and payout, with loading.
- Long service leave calculator: Long service leave under your state’s rules.
- Redundancy pay calculator: Redundancy pay and the tax on your payout.
- Budget planner: Plan a budget from your take-home pay.
- Payslip generator: Make a payslip with the details Fair Work requires.
- GST calculator: Add or remove 10% GST.
- Tax withheld calculator: The tax your employer should withhold from each pay.
- Bonus tax calculator: How much of a bonus you keep after tax.
- Second job tax calculator: Tax on two jobs and the tax-free threshold.
- Working holiday tax calculator: Pay after tax on a working holiday visa or as a foreign resident.
- Tax return calculator: Estimate your refund or bill at tax time.
- Tax cut calculator: Your tax and take-home pay compared year by year.
Frequently asked questions
How is take-home pay calculated in Australia?
Start with your gross pay, not counting employer super. In 2026–27 a standard deduction of up to $1,000 for work-related expenses is taken off automatically to give your taxable income. Income tax is worked out on your taxable income: no tax on the first $18,200, then 15c for each dollar up to $45,000, 30c for each dollar up to $135,000, 37c for each dollar up to $190,000 and 45c for each dollar over $190,000. If you earn under $66,667, the low income tax offset (up to $700) reduces that tax.
Then the Medicare levy of 2% is added, a HECS-HELP repayment if you have a study loan, and the Medicare levy surcharge if you earn over $105,000 without private hospital cover. What is left is your take-home pay.
Does my salary include super?
Usually not. Most job ads and contracts quote a base salary, and your employer pays super guarantee of 12% on top. Some offers quote a package or total remuneration that already includes super; then your base salary is the package divided by 1.12. Your contract or payslip will show which applies, and the “Pay includes super” option shows your pay either way.
Why is fortnightly pay less than half of monthly pay?
Because a month is longer than two weeks. There are 26 fortnights in a year but only 12 months, so one monthly pay covers about 4.33 weeks while two fortnightly pays cover exactly four. On $80,000, two fortnights of take-home pay come to $4,938.46 against $5,350.00 for a month. Over a full year you receive the same total either way.
What is a 27-pay year?
Fortnightly paydays are 14 days apart, so 26 of them cover 364 days. The leftover day builds up, and roughly once every 11 years a financial year holds 27 fortnightly paydays. Some employers divide your salary by 27 that year, so each pay is smaller; others pay the usual amount an extra time. The ATO’s withholding formulas assume 26 pays, so you can ask your employer to withhold a little extra each fortnight to avoid a tax bill.
Why is my payslip different from this calculator?
Employers withhold tax using the ATO’s withholding formulas, which spread tax across the year and round each pay to the dollar, so the amount withheld rarely matches your final tax exactly; the difference is settled when you lodge your tax return. Your payslip may also include things this calculator does not, such as overtime, allowances, salary sacrifice or other deductions. And if you have two jobs, only one should claim the tax-free threshold, so the second withholds more.
Is income tax different in NSW, VIC or QLD?
No. Income tax, the Medicare levy and HECS-HELP repayments are federal, so the same pay gives the same take-home amount in every state and territory. What differs by state are things like public holidays, which affect penalty rates, and long service leave rules. See Pay calculator NSW, Pay calculator VIC, Pay calculator QLD, Pay calculator WA, Pay calculator SA, Pay calculator TAS, Pay calculator ACT, Pay calculator NT.
How are HECS-HELP repayments calculated?
HECS-HELP and other study loans are repaid through the tax system once your repayment income passes $69,528. From 2026–27 the repayment is worked out on the slice of income above that threshold, like a tax bracket, not on your whole income. On $100,000 the repayment is $4,420.80, and on $85,000 it is $2,170.80. Repayment income also counts reportable fringe benefits, reportable super contributions and net investment losses. Study debts charge no interest but are indexed each 1 June.
Do I pay tax on my super?
Yes, but not at your marginal rate. Employer and salary sacrifice contributions are taxed at 15% inside your fund, rising to 30% under Division 293 if your income and contributions are over $250,000. Fund earnings are taxed at up to 15%, and withdrawals from age 60 are generally tax free. None of this comes out of your take-home pay.
Will I get a refund or a bill at tax time?
You get a refund when more tax was withheld than you owe for the year, and a bill when less was withheld. Refunds usually come from work-related deductions or from working only part of the year. Bills usually come from two jobs both claiming the tax-free threshold, investment or rental income, capital gains, the Medicare levy surcharge, or a study loan your employer did not know about. The tax return calculator estimates which way yours will go.
What does this calculator not include?
It covers salary and wages from one job. It does not include award rates, overtime or penalty rates, bonuses, allowances, salary sacrifice, fringe benefits, investment or rental income, deductions you claim at tax time, the seniors and pensioners tax offset, the family-income Medicare levy reduction, or company and trust tax. Results are general estimates, not tax advice.