Take-Home Pay Calculator
Your pay after tax, Medicare and HECS, weekly to yearly. Open "More options" for super, salary sacrifice, novated leases, family tax benefits and visa categories.
Rates checked September 2026 against the ATO.
Basics
Work expenses, donations, agent fees etc. Reduces taxable income.
Extra weeks off bought by taking a lower salary (48/52 leave).
Take-home breakdown
Currently showing $80,000/year ($80,000/yr equivalent).
Where does my money go?
Full tax breakdown
Superannuation summary
Adjusted Taxable Income (ATI)
ATI = Taxable income + reportable super + reportable fringe benefits. Used for HECS repayments, Medicare Levy Surcharge, Family Tax Benefit, and childcare subsidy income testing.
Tax rates and thresholds
Australia uses a progressive tax system with 5 brackets. You don't pay your top rate on all your income - only on the portion inside each bracket. Here are the 2026-27 resident rates:
| Income | Tax rate |
|---|---|
| $0 - $18,199 | 0.0% |
| $18,200 - $44,999 | 15.0% |
| $45,000 - $134,999 | 30.0% |
| $135,000 - $189,999 | 37.0% |
| $190,000+ | 45.0% |
Frequently asked questions
Depends on your contract. If it says '$100k package incl. super' then super is inside the $100k. If it says '$100k plus super' then super is on top. Toggle the switch above to match.
Salary sacrifice is pre-tax (reduces taxable income). Voluntary is after-tax (from your take-home). Salary sacrifice usually saves more tax.
Employers only have to pay Super Guarantee on the first ~$65,000 per quarter of your salary. Above that, no SG unless your contract says otherwise. Toggle 'Max Contributions Base' to override this if your employer pays SG on all income.
If your total super balance was under $500,000 on 30 June AND you didn't use your full concessional cap in the past 5 years, you can carry forward the unused amount.
If your income + concessional super is over $250,000, you pay an EXTRA 15% tax on your concessional contributions. Still cheaper than paying marginal rate on everything.
No. WHMs (visa 417/462) are not eligible for Medicare. They pay 15% flat on the first $45,000 then normal resident rates.
It's a rough estimate using your Adjusted Taxable Income and child count. Real FTB depends on Centrelink assessment including custody arrangements and immunisation status.
Senior and Pensioner Tax Offset - up to $2,230 for singles and $1,602 each for couples of Age Pension age. Phases out on income.
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Tips to legally reduce your tax
Related calculators
Australian Take-Home Pay Calculator (FY 2026–27)
Working out what actually lands in your bank account each payday is harder than it should be. Between income tax brackets, the Medicare Levy, HECS/HELP repayments, and the compulsory 12% superannuation guarantee, your gross salary and your take-home pay can be thousands of dollars apart. This calculator uses the official ATO tax rates for the 2026–27 financial year (and earlier years if you need them) to show you exactly what your net pay looks like — weekly, fortnightly, monthly, and annually.
Whether you are negotiating a new salary, comparing job offers, budgeting for a mortgage, or just want to understand where your money actually goes, this guide walks through every deduction step by step, with real worked examples for common Australian salaries.
How Australian income tax works in 2026–27
Australia uses a progressive tax system, meaning higher portions of your income are taxed at higher rates — but only the income inside each bracket is taxed at that bracket rate. A common mistake is thinking that moving into the next tax bracket taxes your whole salary at the new rate. It does not. Only the dollars above the threshold are taxed at the higher rate.
Resident tax brackets for FY 2026–27
| Taxable income | Tax on this income |
|---|---|
| $0 – $18,200 | Nil (tax-free threshold) |
| $18,201 – $45,000 | 15c for each $1 over $18,200 |
| $45,001 – $135,000 | $4,020 + 30c for each $1 over $45,000 |
| $135,001 – $190,000 | $31,020 + 37c for each $1 over $135,000 |
| $190,001+ | $51,370 + 45c for each $1 over $190,000 |
Rates apply to Australian tax residents and exclude the Medicare Levy. The 15% rate starts 1 July 2026 (it was 16% in 2024–25 and 2025–26). Source: Australian Taxation Office.
Medicare Levy and Medicare Levy Surcharge
On top of income tax, most Australian residents pay a 2% Medicare Levy on their taxable income. This funds Australia public healthcare system. Under the latest announced thresholds (2025–26), singles earning $28,011 or less pay no Medicare Levy, with a partial (shading-in) rate up to $35,013, and the full 2% above that. The thresholds usually rise a little each year. Family thresholds are higher and depend on the number of dependent children.
If you earn over $105,000 as a single (or $210,000 as a family) in 2026–27 and do not hold an appropriate level of private hospital cover, you will also pay the Medicare Levy Surcharge (MLS) of 1% to 1.5% of your taxable income. For many higher earners, taking out basic private hospital cover actually costs less than the MLS itself.
HECS/HELP repayments come out of your pay too
If you have a HECS or HELP debt from studying at university, your employer withholds an extra amount each pay based on your repayment income. For FY 2026–27, repayments start once your repayment income exceeds $69,528. You repay 15c for each dollar above that, rising to 17c above $129,717, and capped at 10% of total income from $186,051.
A common surprise: the HECS repayment is calculated on your total repayment income (including salary sacrificed super, reportable fringe benefits, and investment losses added back), not just your salary. Toggle the "Include HECS" option in the calculator to see the impact on your take-home pay.
For a deeper breakdown, see the dedicated HECS/HELP repayment calculator.
Superannuation Guarantee: 12%
From 1 July 2025, the compulsory Superannuation Guarantee (SG) rate is 12%. This is the final step of the legislated increases that began in 2013. Your employer must pay this on top of your ordinary time earnings into your nominated super fund, at least quarterly (and from 2026, on payday for most employers).
When comparing job offers, always check whether the advertised salary is "package" (inclusive of super) or "plus super". A $100,000 package including super is really $89,286 base salary + $10,714 super — noticeably less take-home pay than $100,000 plus super.
Want to project your super balance at retirement? Try the super projection calculator or explore salary sacrificing into super to reduce your taxable income.
Low Income Tax Offset (LITO)
If you earn under $66,667, you are entitled to the Low Income Tax Offset — up to $700 for incomes at or below $37,500, then reducing as your income rises. LITO is applied automatically when you lodge your tax return; it reduces the tax you pay but does not produce a refund on its own. This calculator factors LITO into your net annual figure so what you see reflects what you will actually pocket over the year.
Worked examples: what does your salary really pay?
Example 1 — $75,000 salary (plus super), no HECS
- Gross salary: $75,000
- Income tax: $13,020
- Medicare Levy (2%): $1,500
- Net annual pay: $60,480
- Fortnightly take-home: ~$2,326
- Employer super contribution (12%): $9,000 (paid separately)
Example 2 — $110,000 salary (plus super), with HECS
- Gross salary: $110,000
- Income tax: $23,520
- Medicare Levy (2%): $2,200
- HECS repayment (15c per $1 over $69,528): $6,071
- Net annual pay: $78,209 (with private hospital cover)
- Fortnightly take-home: ~$3,008
Example 3 — $180,000 salary (plus super), no HECS
- Gross salary: $180,000
- Income tax: $47,670
- Medicare Levy (2%): $3,600
- Net annual pay: $128,730 (with private hospital cover — without it, add a $2,700 Medicare Levy Surcharge)
- Fortnightly take-home: ~$4,951
- May trigger Division 293 tax on super contributions.
Weekly, fortnightly, monthly — why the small differences?
There are 52 weeks and 26 fortnights in a standard year, but 12 months of unequal length. Employers using PAYG withholding tables round tax slightly differently for each pay cycle, which is why your fortnightly ×26 rarely matches your annual number to the dollar. Any small over- or under-withholding is squared up when you lodge your tax return.
Also worth noting: some years contain a "27-pay fortnight" or 53rd week. If that happens to you, your annual gross will be slightly higher than expected, but so will your tax withheld.
Legal ways to increase your take-home pay
- Salary sacrifice into super — contributions are taxed at 15% instead of your marginal rate. See the salary sacrifice calculator.
- Novated lease a car — reduces taxable income and packages running costs pre-tax. Try the novated lease calculator.
- Claim all eligible deductions — work-from-home expenses, professional memberships, self-education, and tools/equipment.
- Private health cover — avoid the Medicare Levy Surcharge if you earn above the threshold.
- First Home Super Saver (FHSS) — save for your first home inside super at concessional tax rates. See the FHSS calculator.
Frequently asked questions
Is super included in my take-home pay?
No. Your employer pays super on top of your gross salary (if offered "plus super") directly to your fund. You do not see it in your bank account until you access it in retirement — but it is still your money.
Why is my payslip tax different from this calculator?
Employers use PAYG withholding tables that round to the nearest whole dollar and assume you will earn the same amount every pay. Bonuses, commissions, unpaid leave, or changes mid-year can all cause small variations. Any difference is reconciled at tax time.
Does this calculator include the tax-free threshold?
Yes — this calculator assumes you have claimed the tax-free threshold with one employer, which is the standard scenario for most Australians. If you have a second job and have not claimed the threshold there, tax on that job will be higher.
What if I am on a working holiday visa?
Working Holiday Makers (subclass 417 and 462) are taxed at a flat 15% on the first $45,000 and standard rates above that, without access to the tax-free threshold. This calculator is designed for Australian tax residents.
How accurate is this take-home pay calculator?
Very accurate for standard PAYG employees on residency-based tax rates, using the official ATO brackets for the selected financial year. It does not cover every edge case (foreign income, complex deductions, trust distributions, etc.) — for those, speak to a registered tax agent.
Related calculators
This calculator is a general guide only and does not constitute financial or tax advice. Figures are based on ATO rates and thresholds for the 2026–27 financial year and assume Australian tax residency and claiming of the tax-free threshold. Individual circumstances vary — consult a registered tax agent for personalised advice.
More options: super, novated leases, visas and family payments (2026–27)
Most pay calculators handle the basics: gross salary, tax, Medicare, super. This one goes further — covering every edge case that trips up Australian PAYG employees, contractors, and salary packagers. It handles the $30,000 concessional super cap, novated leases with the electric vehicle FBT exemption, Division 293 for high earners, Working Holiday Maker rates, SAPTO for seniors, and Family Tax Benefit for parents.
Whether you are structuring a salary package, comparing job offers with different super rates, deciding whether to novate an EV, or working out the after-tax impact of a bonus that pushes you into the 37% bracket, this calculator captures every ATO rule that affects your actual take-home.
Concessional super contribution cap: $32,500 in FY 2026–27
The concessional (pre-tax) contribution cap is $32,500 for FY 2026–27 (it was $30,000 in 2024–25 and 2025–26). This includes:
- Employer Superannuation Guarantee (12%)
- Salary sacrifice contributions
- Personal deductible contributions (claimed at tax time)
Going over the cap triggers excess contributions tax — the extra amount is added to your assessable income and taxed at your marginal rate, plus an interest charge. The calculator tracks your cap in real time as you adjust salary sacrifice.
If you have not used your full cap in previous years (going back 5 years), you may be able to carry forward unused amounts under the catch-up rule — but only if your total super balance was under $500,000 on 30 June of the previous year. Great for people returning to work after a career break or unexpected windfalls.
Novated leases: the electric vehicle FBT exemption
A novated lease packages a car through your employer using pre-tax income, reducing your taxable salary and packaging running costs (fuel/electricity, insurance, servicing, registration) at wholesale rates. Previously, novated leases were usually only worth it for high earners due to Fringe Benefits Tax (FBT).
Since July 2022, the Electric Vehicle FBT Exemption makes eligible battery electric vehicles essentially FBT-free — provided the vehicle costs under the Luxury Car Tax fuel-efficient threshold ($91,387 in 2025–26; it is indexed each July, so check the ATO for the current figure). This has made novated leasing an EV one of the most tax-effective ways for an average earner to buy a car in Australia.
Example: A $65,000 EV on a 5-year novated lease can save a $120,000 earner around $25,000–$35,000 compared to buying with after-tax cash — driven mostly by the FBT exemption.
Note: Plug-in hybrids lost the FBT exemption from 1 April 2025 (unless already under a binding commitment before then); battery EVs continue to be exempt. See the dedicated novated lease calculator for a deep dive.
Division 293 tax on high-income super contributions
If your income + concessional super contributions exceed $250,000, you pay an additional 15% Division 293 tax on the contributions (or the excess above $250k, whichever is lower). This effectively doubles the tax rate on super for high earners from 15% to 30% — still a bargain compared to the top marginal rate of 47%.
The calculator automatically detects Division 293 exposure and shows you exactly what you will pay, so you can decide whether salary sacrificing is still worth it or whether other tax structures (family trusts, investment bonds) make more sense at your income level. See the Division 293 calculator for scenario planning.
Working Holiday Makers (WHM) — different tax rules entirely
If you are on a subclass 417 or 462 visa, you are taxed at 15% flat on the first $45,000, then standard resident rates above that. You do not get the tax-free threshold. If your employer is not registered as a Working Holiday Maker employer, you get taxed at 32.5% flat instead — worth checking.
WHMs are still entitled to super and can withdraw it when leaving Australia via the Departing Australia Superannuation Payment (DASP), but the DASP tax rate is 65% for WHMs — so consider whether super is actually worth accepting.
Senior Australians and Pensioners Tax Offset (SAPTO)
If you are of Age Pension age (currently 67), you may be entitled to SAPTO — an offset of up to $2,230 for singles and $1,602 each for couples. Combined with the tax-free threshold, this means seniors can earn up to about $33,088 tax-free.
SAPTO shades out as your income rises, disappearing entirely above ~$50,119 for singles. The calculator applies SAPTO automatically when you tick the senior toggle.
Family Tax Benefit (FTB) — how it interacts with your pay
FTB is administered by Services Australia rather than the ATO, so it does not directly change your PAYG withholding. But your adjusted taxable income (ATI) determines whether you receive Part A, Part B, or a combination — and that ATI adds back things like salary sacrificed super and reportable fringe benefits (like novated leases).
In 2025–26, FTB Part A began reducing at around $65,189 family income, and Part B ended at around $117,194 (for the primary earner). These thresholds are indexed each July. Salary packaging can inadvertently push families over these thresholds — the calculator flags this so you can see the true after-benefits impact.
Worked examples
Example 1 — Novated lease saves $8k/year
- Salary: $130,000, no HECS
- Novated lease on $60,000 EV: ~$18,000/year pre-tax
- Net cost after tax savings: ~$10,000/year
- Effective saving vs owning outright: ~$8,000/year
Example 2 — Salary sacrifice with cap tracking
- Salary: $150,000, SG at 12% = $18,000
- Room in $30k cap: $12,000
- Salary sacrificing $12,000: saves ~$4,140 in tax (37% marginal vs 15% super tax)
- Take-home reduction: ~$7,860
- Extra super: $10,200 (after 15% contributions tax)
Example 3 — Div 293 kicks in
- Salary: $260,000, SG at 12% = $31,200 (capped at $30,000 concessional)
- Total for Div 293: $260,000 + $30,000 = $290,000
- Above $250k threshold by $40,000, but capped at concessional contributions ($30,000)
- Div 293 tax: 15% × $30,000 = $4,500 extra
- Total effective super tax rate: 30% (still cheaper than marginal 45%)
More questions: super, novated leases and fringe benefits
How is Division 293 different from the top marginal rate?
Div 293 is an additional 15% tax on concessional super contributions (not on all income). It effectively doubles the super contribution tax from 15% to 30% for high earners, but does not touch your regular salary income.
Does a novated lease still work if my employer does not offer packaging?
You need employer approval — most large employers, government agencies, and health/education organisations offer novated leasing. Small businesses often do not, but some payroll providers (like SmartSalary, Maxxia, Fleetplus) can set it up for a fee.
What is "reportable fringe benefits" and why does it matter?
If your novated lease or other salary-packaged benefits exceed $2,000/year taxable value, the grossed-up amount appears on your payment summary and counts toward income tests for HECS repayments, Medicare Levy Surcharge, FTB, Div 293, and government co-contributions. For EVs it is $0 due to the exemption.
Can I salary sacrifice into a super fund of my choice?
Yes — since Stapling laws in 2021, you can direct all contributions (SG and salary sacrifice) to any complying super fund. Your employer must offer at least the "stapled" fund by default but must comply with your choice notice.
Do fringe benefits count toward my HECS repayment income?
Yes. Reportable fringe benefits are added back to determine your HECS repayment income, even if they do not appear in your taxable income. This is a common trap for people who novate cars while carrying HECS debt.
This calculator is a general guide only and does not constitute financial or tax advice. Complex tax situations (trust income, foreign income, business structures) may need additional analysis — consult a registered tax agent for personalised advice.