Salary Calculator Australia
Last updated: August 2026Instantly estimate your Australian take-home pay after tax, Medicare, super and HELP.
Salary Calculator
Calculation assumptions
Estimate only, based on standard assumptions and the selected financial year’s published rates. This tool does not replace professional tax advice — confirm your exact position with the ATO or a registered tax agent.
How to Use This Salary Calculator
The calculator above works for most ways Australians are paid. Follow these steps to get an accurate take-home figure in under a minute.
- Choose how your pay is quoted. Pick per year, month, fortnight, week, day or hour so the amount matches your payslip or job ad.
- Select the financial year. 2026–27 is selected by default. Earlier years use the tax rates that applied at the time, which is useful for checking an old payslip.
- Pick your work type. Use Standard Salary for employees, Contractor if you invoice for your work, or Side Hustle for income on top of a main job.
- Enter your salary and weekly hours. Hours are used to work out your hourly and daily figures.
- Tick anything that applies to you. Options include salary that already includes super, a HECS/HELP debt, private hospital cover, bonuses, overtime, part-time hours, salary sacrifice, shift work and casual loading.
- Read your results. The bar at the top of the page shows your take-home pay at a glance, and the full breakdown shows tax, Medicare, super and HELP for every pay period. You can download the results as a text file.
If you work for a charity, hospital or public ambulance service, you may be able to pay everyday bills from pre-tax salary. Our salary packaging calculator shows how much extra that puts in your pocket.
How Our Salary Calculator Works
Every result above comes from the same set of rules, taken from the ATO’s published rates for the financial year you select. This section explains each step, the figures used for 2026–27, what the calculator assumes and what it leaves out, so you can judge how far to rely on your result.
Step by step
- Income is converted to an annual equivalent based on the pay frequency selected.
- Eligible pre-tax deductions (salary sacrifice, novated lease) are applied.
- Taxable income is calculated for the result.
- Resident income-tax brackets for the selected financial year are applied progressively.
- The Low Income Tax Offset is applied where the calculator’s income thresholds are met.
- The Medicare Levy is estimated using the selected financial year’s thresholds.
- The Medicare Levy Surcharge is estimated where applicable, using the selected year’s income tiers.
- HELP repayment is estimated using the selected financial year’s rules — the average-rate system for 2023–24 and 2024–25, or the marginal system from 2025–26.
- Superannuation is calculated separately at the selected year’s Superannuation Guarantee rate and is not deducted from take-home pay.
- Remaining income is converted into annual, monthly, fortnightly, weekly, daily and hourly take-home figures.
Rates and thresholds used for 2026–27
| Item | 2026–27 figure used |
|---|---|
| Resident income tax | Nil to $18,200; 15% to $45,000; 30% to $135,000; 37% to $190,000; 45% above $190,000 |
| Medicare levy | 2% of taxable income, reduced for low incomes |
| Medicare levy surcharge | 1% to 1.5% for singles earning over $105,000 without appropriate private hospital cover |
| Low income tax offset | Up to $700, phasing out completely at $66,667 |
| HELP and study loans | Marginal repayments starting at $69,528 of repayment income |
| Super guarantee | 12%, paid by your employer on top of salary |
| Concessional contributions cap | $32,500 a year |
Choose an earlier financial year at the top of the calculator and the matching rates for that year are used instead.
What the calculator assumes
- You are an Australian resident for tax purposes for the whole year.
- The tax-free threshold is claimed with one employer.
- A year has 52 weeks, 26 fortnights or 12 months, and a standard full-time week is 38 hours unless you change it.
- Your pay is the same in every pay period, so per-pay figures spread the yearly tax evenly. Your employer’s ATO withholding tables may differ by a few dollars.
- The Medicare levy low-income reduction uses the latest single-person thresholds the ATO has published.
What it leaves out
The calculator does not model family Medicare levy thresholds, the seniors and pensioners tax offset, Division 293 tax, capital gains, investment income or losses, work-related deductions or foreign income. If any of these apply to you, treat the result as a starting point.
How we check the numbers
Before each update goes live, a set of test salaries is run through the calculator and compared with the ATO’s published rates and worked examples. For example, an $80,000 salary in 2026–27 should return $14,520 of income tax, a $1,600 Medicare levy and $63,880 of take-home pay.
When figures are updated
Rates are reviewed before 1 July each year and whenever a tax change becomes law. If you spot a figure that looks out of date, please let us know through the contact page.
How Australian Salary Tax Works
Income tax and the tax-free threshold
There’s no single rate — Australia uses a progressive system where different portions of income are taxed at different rates, from 0% up to 45% depending on the financial year’s brackets. The actual amount depends on taxable income, offsets, and personal circumstances.If you’re a foreign resident, your tax rates are different, learn more about non-resident tax rates in Australia.
Gross pay vs take-home pay
Take-home pay is what reaches your bank account after income tax, the Medicare Levy, and any compulsory HELP repayment are deducted from gross pay. Superannuation is paid separately by your employer on top of salary — it’s not part of take-home pay.
Super: included in salary or on top
It depends how the salary was advertised. A “plus super” figure is the base pay with super added on top; a figure “including super” is a total package, meaning actual base pay is lower because super is carved out of that total rather than added to it.
The 12% super guarantee
The Superannuation Guarantee rate depends on the financial year — it has risen from 11% in 2023–24 to 12% from 2025–26 onward. This calculator applies the correct rate automatically for the financial year you select.
HECS/HELP repayments
Once repayment income crosses the compulsory threshold for the selected year, an additional amount is withheld. From 2025–26 this is calculated on a marginal basis on the portion above the threshold; for 2023–24 and 2024–25 an average rate applied to total repayment income instead.
Overtime and penalty rates
Overtime is not taxed at a higher rate. It is added to income for the pay cycle it lands in, which can temporarily increase the tax withheld that cycle, but it’s reconciled correctly across the financial year. To check the tax taken from one particular pay, use the PAYG withholding calculator.
Bonuses and tax withheld
A bonus is generally withheld as though that amount were paid every cycle, which can over-withhold in the short term. The correct amount is reconciled at tax time based on total annual income.
Salary sacrifice and taxable income
Salary sacrifice redirects part of pre-tax pay into another benefit, such as extra super, before income tax is calculated — this lowers taxable income and, in turn, income tax payable. To see what a regular amount into super would cost you each pay, and how much tax it saves, try our salary sacrifice calculator.
Contractor income vs salary
Contractor income is typically GST-exclusive business revenue rather than PAYG salary, with no automatic superannuation, leave entitlements, or tax withholding — a contractor generally needs to set aside their own tax and super.
Did you know?
Take-Home Pay Examples for 2026–27
Most people search for one number: what a given salary actually pays into the bank. The table below runs ten common salaries through the 2026–27 resident tax rates, the low income tax offset and the 2% Medicare levy. It assumes you claim the tax-free threshold, have no HELP debt and that super is paid on top of the salary.
| Salary | Income tax | Medicare levy | Take-home (year) | Monthly | Fortnightly | Weekly | Hourly |
|---|---|---|---|---|---|---|---|
| $40,000 | $2,695 | $800 | $36,505 | $3,042 | $1,404 | $702 | $18.47 |
| $50,000 | $5,270 | $1,000 | $43,730 | $3,644 | $1,682 | $841 | $22.13 |
| $60,000 | $8,420 | $1,200 | $50,380 | $4,198 | $1,938 | $969 | $25.50 |
| $70,000 | $11,520 | $1,400 | $57,080 | $4,757 | $2,195 | $1,098 | $28.89 |
| $80,000 | $14,520 | $1,600 | $63,880 | $5,323 | $2,457 | $1,228 | $32.33 |
| $90,000 | $17,520 | $1,800 | $70,680 | $5,890 | $2,718 | $1,359 | $35.77 |
| $100,000 | $20,520 | $2,000 | $77,480 | $6,457 | $2,980 | $1,490 | $39.21 |
| $120,000 | $26,520 | $2,400 | $91,080 | $7,590 | $3,503 | $1,752 | $46.09 |
| $150,000 | $36,570 | $3,000 | $110,430 | $9,202 | $4,247 | $2,124 | $55.89 |
| $200,000 | $55,870 | $4,000 | $140,130 | $11,678 | $5,390 | $2,695 | $70.92 |
Reading the table: salary to weekly, fortnightly and hourly pay
Monthly pay is the yearly take-home divided by 12, fortnightly by 26 and weekly by 52. The hourly figure divides weekly take-home by 38 hours, the standard full-time week under the National Employment Standards. Someone on $80,000 therefore takes home about $1,228 a week, or roughly $32 for each hour worked after tax.
Paid by the week with hours that change? The weekly tax calculator works from your hourly rate and this week’s hours. Paid every two weeks, the fortnightly pay calculator also warns you about years with 27 pays. And to compare a job ad’s salary with an hourly offer, use the salary to hourly converter.
Your own figure will move if you have a HELP debt, pay the Medicare levy surcharge, salary sacrifice or work more than one job. Enter your details in the calculator above for an exact estimate.
Average Salary and Minimum Wage in Australia After Tax
Two benchmarks help you judge where your own pay sits. According to the Australian Bureau of Statistics, full-time adults earned average ordinary time earnings of $2,083.70 a week in May 2026, up 3.7% over the year. From 1 July 2026 the national minimum wage rose to $26.44 an hour, or $1,004.90 for a 38-hour week.
| Benchmark | Yearly before tax | Tax and Medicare | Take-home per year | Take-home per fortnight | Employer super (12%) |
|---|---|---|---|---|---|
| National minimum wage | $52,255 | $7,025 | $45,229 | $1,740 | $6,271 |
| Average full-time earnings | $108,352 | $25,193 | $83,160 | $3,198 | $13,002 |
The average is pulled up by high earners, so most full-time workers earn less than this figure. Many awards and agreements also pay more than the minimum wage, especially once penalty rates and allowances are included. If you are paid by the week, the weekly take-home pay calculator shows how a single week’s pay is taxed.
Salary Including Super vs Salary Plus Super
Job ads in Australia quote pay in two different ways, and mixing them up is one of the most common mistakes people make when comparing offers. “$100,000 plus super” means $100,000 is your salary and your employer adds 12% super on top. “$100,000 including super”, often called a package, means the 12% is already inside the $100,000, so your actual salary is lower.
How to work out your salary from a package
Divide the package by 1.12. The answer is your base salary, and the rest is your employer’s super. For a $100,000 package that is $100,000 ÷ 1.12 = $89,286 of salary and $10,714 of super. Tick “Salary includes super” in the calculator above and it does this step for you before working out your tax.
| Advertised amount | Base salary if it includes super | Super inside the package | Take-home if it includes super | Take-home if super is extra |
|---|---|---|---|---|
| $70,000 | $62,500 | $7,500 | $52,042 | $57,080 |
| $80,000 | $71,429 | $8,571 | $58,051 | $63,880 |
| $100,000 | $89,286 | $10,714 | $70,194 | $77,480 |
| $120,000 | $107,143 | $12,857 | $82,337 | $91,080 |
| $150,000 | $133,929 | $16,071 | $100,551 | $110,430 |
Comparing two job offers
Always convert both offers to the same basis before you compare them. A $95,000 “plus super” role pays more salary than a $105,000 “including super” role, because the second one is only about $93,750 once the super is taken out. If the ad does not say, ask whether the figure is base salary or total remuneration.
Super is still your money, but you cannot spend it until retirement, so the base salary is the number that matters for your budget. To compare an offer quoted by the hour instead, use the salary to hourly converter, which also handles packages that include super.
What Changed for Your Pay in 2026–27
Several changes from 1 July 2026 affect how much you take home. The calculator already includes all of them when the 2026–27 financial year is selected.
- Lower tax on the second bracket. The rate on income between $18,201 and $45,000 fell from 16% to 15%. Anyone earning over $45,000 saves $268 a year compared with 2025–26.
- Higher HELP repayment threshold. Compulsory study loan repayments now start at $69,528 of repayment income, up from $67,000.
- New Medicare levy surcharge thresholds. Singles without appropriate private hospital cover pay the surcharge only above $105,000, up from $101,000.
- Higher concessional super cap. You can now put up to $32,500 a year of before-tax money into super, up from $30,000. See how extra contributions affect your pay with the super salary sacrifice calculator.
- Payday Super. Employers must now pay the 12% super guarantee at the same time as wages, and it must reach your fund within 7 business days.
- Higher minimum wage. The national minimum wage rose to $26.44 an hour from 1 July 2026.
Australian Tax Brackets
| Taxable income | Tax rate | Tax on this income |
|---|
Frequently Asked Questions
How is take-home pay calculated in Australia?
Gross pay has income tax, the Medicare Levy, and any compulsory HELP repayment subtracted from it. Superannuation is calculated separately and paid on top by the employer rather than deducted from take-home pay.
Does superannuation reduce my take-home pay?
No, unless a person chooses to salary sacrifice part of their pay into super voluntarily. The standard employer Superannuation Guarantee contribution — 11% in 2023–24, 11.5% in 2024–25, and 12% from 2025–26 — is paid in addition to salary.
How does HECS/HELP affect my salary?
For 2023–24 and 2024–25, once repayment income crossed the relevant threshold, a single percentage rate applied to total repayment income. From 2025–26, the system changed to a marginal calculation: a rate applies only to the portion of repayment income above the threshold.
What happens if I have two jobs?
Each employer withholds tax based on the income they pay you, usually assuming only one job unless told otherwise. Combined income across both jobs is reconciled at tax time, which can mean extra tax is owed if withholding wasn’t adjusted for the second job.
How does overtime affect tax?
Overtime is added to income for the pay cycle it lands in, which can temporarily increase withholding for that cycle. It isn’t taxed at a punitive rate — the correct amount is reconciled across the financial year.
How does casual loading affect pay?
Casual loading is a percentage added to the base hourly rate, generally to compensate for not receiving paid leave entitlements. It increases gross pay and is taxed the same way as ordinary earnings.
What is salary sacrifice?
An arrangement where part of your pre-tax salary is redirected into another benefit, such as extra superannuation, before income tax is calculated — lowering taxable income in the process.
Does a novated lease reduce taxable income?
Yes, when structured as a pre-tax deduction, novated lease payments reduce taxable income in a similar way to salary sacrifice, though fringe benefits tax rules can apply depending on the arrangement.
How does a bonus affect my tax?
A bonus is added to income for the period it’s paid in and taxed as though that amount were earned every cycle, which can over-withhold in the short term. It’s reconciled correctly at tax time.
What is the difference between salary and take-home pay?
Salary is the gross contracted figure before anything is deducted. Take-home pay is what’s left after income tax, the Medicare Levy, and any compulsory repayments — the amount that actually reaches your account.
How does working part-time affect my salary?
Part-time pay is generally the full-time rate scaled to the proportion of hours actually worked. Tax is calculated on the lower annualised income, which usually means a lower average tax rate than the equivalent full-time role.
What happens if I have a side hustle?
Side income is generally added to your main salary for tax purposes, which can push part of it into a higher tax bracket. Whether it’s treated as employment income or business income affects what deductions and reporting apply — a registered tax agent can confirm the right treatment for your situation.
How does contractor income differ from salary?
Contractor payments are typically business revenue rather than PAYG salary. There’s usually no automatic tax withholding, superannuation, or leave entitlement — a contractor generally needs to set aside their own income tax and, if they choose, their own super contributions.
Sources and official references
- Last updated
- August 2026
- Rates verified for
- 2023–24, 2024–25, 2025–26 and 2026–27 financial years
- Calculation methodology
- Based on published Australian Government and ATO information. See “How Our Salary Calculator Works” above.
- Review status
- Methodology based on published ATO figures; not reviewed by a named tax professional at time of publishing.
- ATO individual income tax rates — resident tax brackets by financial year
- ATO study and training loan repayment thresholds and rates — HECS/HELP thresholds and bands
- ATO Medicare Levy Surcharge — MLS tiers and family thresholds
- ATO Medicare Levy — standard levy and low-income thresholds
- ATO Superannuation Guarantee rate — SG percentage by financial year
- Fair Work Ombudsman Pay Calculator — for confirming award and penalty rates