SEC. 01 — INCOME

Australia Salary Calculator

Gross salary in, real take-home pay out — broken down by year, month, fortnight, week and hour.

Take-home pay SALARY BREAKDOWN
TAX RULES —
$—
Estimated take-home pay, per year
Adjust your salary and pay period on the left — the breakdown below recalculates instantly.
Take-home Income tax Medicare levy
01 · TAX.RATE Tax rates
—%
Effective tax rate (tax ÷ gross)
Marginal rate—
Marginal bracket—
02 · SUPER Employer super
$—
Paid by your employer on top of take-home pay, at the 12% Superannuation Guarantee rate.
03 · TOTAL Total tax + levy
$—
Income tax—
Medicare levy—

Pay by period

Same salary, every way you might get asked about it.
PeriodGrossTax + levyTake-home

How it works

This calculator turns a gross salary into real take-home pay using four steps.
  1. Convert to an annual figure

    Whatever period you enter — annual, monthly, fortnightly, weekly, daily or hourly — is converted to a yearly amount first.

  2. Work out super

    Superannuation is calculated at the 12% Superannuation Guarantee rate, either backed out of a total package or added on top of a base salary, depending on which mode you select.

  3. Apply income tax + Medicare levy

    The base salary (excluding super) is run through the selected financial year's tax brackets, plus a flat 2% Medicare levy, using progressive marginal rates.

  4. Convert back to every pay period

    The resulting take-home figure is divided back out into annual, monthly, fortnightly, weekly, daily and hourly amounts for the table below.

Worked example

James is offered $85,000 per year, plus super, for FY2026–27. Here's what that actually breaks down to.
Gross salary
$85,000
Super (on top)
$10,200
Income tax
$16,020
Medicare levy
$1,700
Take-home, per year
$67,280
Take-home, per month
$5,607
Take-home, per fortnight
$2,588
Effective tax rate
20.8%

Note that James's employer pays the $10,200 super on top — it never touches his bank account, so it isn't part of his $67,280 take-home figure.

Methodology & assumptions

Tax brackets. Two Australian resident bracket sets are built in: 2025–26 (current until 30 June 2026) and 2026–27 (from 1 July 2026). The only difference is the second bracket ($18,201–$45,000), which drops from 16% to 15% under a legislated cut — all other thresholds and rates are unchanged. A flat 2% Medicare levy applies to both years. The Medicare levy low-income threshold, levy surcharge, and low income tax offset (LITO) are not modelled.

Superannuation. Calculated at the 12% Superannuation Guarantee rate (the legislated rate from 1 July 2025). If your salary "includes super," we back it out of the package first; if it's "plus super," it's added on top and shown separately — it is not part of the take-home figure either way.

Period conversion. Annual figures are converted using 52 weeks/year, 26 fortnights/year, and 12 months/year. A daily rate assumes a 5-day working week (260 days/year). Hourly figures multiply the entered rate by hours/week × 52.

Excludes: HECS/HELP repayments, salary sacrifice, non-resident tax rates, offsets, and any state payroll tax considerations (which affect the employer, not take-home pay).

This tool is for general illustration only and is not financial or tax advice.

Frequently asked questions

Common questions about gross vs. take-home pay in Australia.
How accurate is this calculator?
It's a close estimate, not a payslip replacement. The tax and Medicare levy math is exact for the brackets used, but real payslips also factor in things like HECS/HELP, salary sacrifice, and private health rebates, which this tool doesn't model — see "Why doesn't my payslip match this exactly?" below.
What assumptions are used?
Australian tax residency, the selected financial year's brackets, a flat 2% Medicare levy, and the 12% Superannuation Guarantee rate. Full detail, including exactly what's excluded, is in "Methodology & assumptions" above.
Is superannuation included?
Yes — it's calculated explicitly at 12%, and shown as its own figure rather than folded into take-home pay, since it's retirement savings you can't spend today. Use the "Plus super" / "Includes super" toggle to match how your salary was actually quoted to you.
Does it account for HECS/HELP debt?
No. HECS/HELP repayments are calculated separately by the ATO based on your income and outstanding balance, and would reduce your real take-home pay below what's shown here. If you have a HECS/HELP debt, treat this calculator's take-home figure as an upper bound.
What's the difference between gross and net pay?
Gross pay is your salary before anything is taken out. Net pay (take-home pay) is what actually lands in your bank account after income tax and the Medicare levy are deducted. Superannuation isn't part of either figure — it's paid separately by your employer into your super fund.
Does super count as part of my take-home pay?
No. Super is retirement savings, locked away until you meet a condition of release (generally reaching preservation age). It doesn't hit your everyday bank account, so it's shown separately here rather than folded into "take-home."
My employment contract says "$95,000 package" — which mode should I use?
Use "Includes super." A "package" or "total remuneration" figure is what it costs your employer in total, with super carved out of it — not added on top. If your contract instead says "$95,000 plus super," use "Plus super," since super is calculated on top of that base.
Why doesn't my payslip match this exactly?
Real payslips also account for things this tool doesn't model — HECS/HELP repayments, salary sacrifice (novated leases, extra super contributions), private health insurance rebates, and sometimes different pay-cycle rounding. Treat this as a close estimate, not a payslip replacement.
What is the Medicare levy, and does everyone pay it?
It's a 2% levy on taxable income that helps fund Australia's public health system, on top of income tax. Most residents pay it, though there are exemptions and a reduced rate for very low incomes (not modelled here) and a separate surcharge for high earners without private hospital cover.

Sources & further reading

The official references these figures are built on.
Australian Taxation Office
Individual income tax rates, Medicare levy, and the Superannuation Guarantee rate
Australian Government Treasury
Legislated FY2026–27 personal income tax cut