Pay Calculator - Australian Take-Home Pay After Tax
Work out what actually lands in your account. This applies the current ATO tax scale, Medicare levy and surcharge, HELP repayments, tax offsets and the super guarantee, then shows the result across every pay cycle. Change the financial year to see how the tax cuts affect you.
Your details
Rates and thresholds change every 1 July.
Income
Hourly assumes a 38-hour week over 52 weeks.
Total remuneration packages usually include it; an advertised salary usually does not.
Circumstances
Without it, high earners pay the Medicare levy surcharge.
Adjustments
| Gross salary (annual) | $100,000 |
| Salary sacrificed to super | — |
| Work-related deductions | — |
| Taxable income | $100,000 |
| Income tax | − $20,520 |
| Tax offsets (LITO / SAPTO) Non-refundable | — |
| Medicare levy | − $2,000 |
| Medicare levy surcharge Not applicable | — |
| HELP / HECS repayment | — |
| Total tax and levies | $22,520 |
| Effective tax rate | 22.5% |
| Marginal rate on your next dollar | 32.0% |
| Employer super (12.0%) Paid on top of your salary | $12,000 |
| Total package value | $112,000 |
| Cycle | Gross | Tax + levies | Take-home |
|---|---|---|---|
| Annually | $100,000.00 | $22,520.00 | $77,480.00 |
| Monthly | $8,333.33 | $1,876.67 | $6,456.67 |
| Fortnightly | $3,846.15 | $866.15 | $2,980.00 |
| Weekly | $1,923.08 | $433.08 | $1,490.00 |
| Daily | $384.62 | $86.62 | $298.00 |
| Hourly | $50.61 | $11.40 | $39.21 |
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Frequently asked questions
Why is my payslip slightly different?
Employers use the ATO withholding schedules, which work per pay period and round to whole dollars. Over a year those roundings drift a little from the exact annual calculation, and the difference is settled in your tax return. Any variance is normally in the ATO's favour during the year, so it comes back as a refund.
Does salary sacrificing into super actually save me money?
It converts income taxed at your marginal rate into a contribution taxed at 15% inside the fund, so the higher your marginal rate the bigger the gap. Two catches: the amount still counts towards HELP repayment income and the Medicare levy surcharge, and it counts towards your concessional cap. Above $250,000 of income plus contributions, Division 293 lifts the contributions tax to 30% and halves the benefit.
What changed on 1 July 2026?
The 16% rate that applies between $18,201 and $45,000 dropped to 15%. Because that band is $26,800 wide, the maximum benefit is about $268 a year and everyone earning over $45,000 gets the full amount. It falls again to 14% from 1 July 2027.
Is the super guarantee on top of my salary?
It depends how the role was advertised. An advertised base salary normally has super paid on top, while a "total remuneration package" figure includes it. Use the toggle to switch between the two - on a $100,000 figure the difference in take-home pay is thousands.
General advice warning: This calculator provides general information only. It does not take into account your objectives, financial situation or needs, and it is not personal credit or financial advice.
Results are estimates based on the inputs and assumptions shown. Any interest rate used is an example and is not an offer of credit. Speak to a licensed credit representative before acting on these figures.