Australian pay calculator
Take-home pay, income tax, Medicare levy, HELP/HECS and super for every Australian financial year from 2020-21 to 2026-27.
| Per | Gross | Tax | Super | Take-home |
|---|---|---|---|---|
| Year | $0 | $0 | $0 | $0 |
| Month | $0 | $0 | $0 | $0 |
| Fortnight | $0 | $0 | $0 | $0 |
| Week | $0 | $0 | $0 | $0 |
| Day | $0 | $0 | $0 | $0 |
| Hour | $0.00 | $0.00 | $0.00 | $0.00 |
| FY | Tax | Take-home | vs. selected |
|---|---|---|---|
| FY2020-21 | $0 | $0 | — |
| FY2021-22 | $0 | $0 | — |
| FY2022-23 | $0 | $0 | — |
| FY2023-24 | $0 | $0 | — |
| FY2024-25 | $0 | $0 | — |
| FY2025-26selected | $0 | $0 | — |
| FY2026-27 | $0 | $0 | — |
What gross salary gives you a specific take-home?
Frequently asked questions
How do I calculate my take-home pay in Australia?
Take-home pay equals gross salary minus income tax, 2% Medicare levy, any Medicare Levy Surcharge, and HELP/HECS repayments, after tax offsets like LITO have been applied. Employer superannuation is paid on top of your salary and does not reduce take-home. Enter your gross income above to see the full breakdown.
What are the Australian tax brackets for FY2025-26?
For the 2025-26 financial year, Australian resident tax brackets are: $0–$18,200 at 0%; $18,201–$45,000 at 16%; $45,001–$135,000 at 30%; $135,001–$190,000 at 37%; over $190,000 at 45%. The 2% Medicare levy is additional.
Does my income include superannuation?
It depends on your employment contract. Most Australian employment agreements quote a base salary on top of which super is paid. When your contract says 'package' or 'TRP' (total remuneration package), super is included in that figure. Use the 'Income includes super' toggle to model either scenario correctly.
How does salary sacrifice affect my take-home pay?
Salary sacrifice to super reduces your taxable income, so you pay less income tax. The sacrificed amount is taxed at 15% inside super (or 30% for Division 293 earners over $250,000) instead of your marginal rate. For FY2025-26, the concessional contributions cap is $30,000 per year including employer Super Guarantee.
When do I have to repay my HELP / HECS debt?
HELP/HECS repayments start when your repayment income (taxable income + reportable fringe benefits + reportable super) exceeds $67,000 for FY2025-26. Since 1 July 2025 the rate is marginal — only the portion above each threshold is charged, not your whole income.
Do I need private hospital cover?
If your income is above the Medicare Levy Surcharge threshold ($97,000 for singles, $194,000 for families in FY25-26) and you don't have an appropriate hospital policy, you pay an extra 1–1.5% MLS on top of the 2% Medicare levy. Many people find a basic hospital policy costs less than the surcharge.
Does this calculator work for working holiday makers?
Yes. Select 'Working holiday maker' under residency. WHM rates start at 15% from dollar one up to $45,000, then follow resident brackets. WHMs do not pay the Medicare levy or Medicare Levy Surcharge.
What financial years does this calculator cover?
Every Australian financial year from FY2020-21 through to FY2026-27, including both rounds of Stage 3 tax cuts. Use the year selector to compare your tax across different brackets.
Current year deep-dive
FY2025-26 brackets, changes, and sample income breakdowns.
Salary directory
Take-home pay for every common salary from $30k to $300k.
Compare offers
Side-by-side comparison of up to 4 job offers or packages.
HELP / HECS thresholds
Current repayment thresholds and indexation history.
Every year's brackets
Resident brackets from 2020-21 through 2026-27 side-by-side.
Hourly rates
After-tax take-home from $20/hr to $250/hr.