australia • AUD

Take Home Pay Calculator (Australia)

Calculate your take-home pay after income tax, Medicare levy, and deductions. Free Australian after-tax salary calculator with weekly, fortnightly, monthly and annual results.

Last revised 25 July 2026

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Income details

Annual salary

Other taxable income (bonus, side income)

Pay frequency

Deductions & super

Tax deductions

Work-related expenses that reduce your taxable income.

Employer superannuation rate (%)

Financial Disclaimer: This result is an educational estimate produced by applying published rates and thresholds to the figures you entered. It is not a tax determination: your actual liability depends on circumstances this calculator does not collect. Confirm your position with the relevant tax authority or a qualified accountant before acting on it. Full disclaimer.

Sources & methodology

Formula:: Taxable income
Reference:: Federal Register of Legislation (Australian Government)
Rates for:: 2026/27
Content last updated:: July 2026
Scheduled re-verification:: August 2027

Calculation type: Rule-based calculation. Uses 2026 rates and thresholds. Figures are taken from Federal Register of Legislation (Australian Government) — see sources below.

Your entries stay on this device. This calculator runs entirely in your browser — the figures you type are not sent to us or to anyone else. The page itself uses cookies for analytics and advertising, described in the privacy policy.

Formula & methodology

Formula used

Taxable income

taxable income = salary + other income − deductions

Income tax after offsets

tax payable = max(0, Σ (income_in_band × band_rate) − LITO)

Progressive brackets, then the non-refundable Low Income Tax Offset, which reduces tax owed but never below nil.

Medicare levy

levy = 2% of taxable income, with a low-income exemption and shading-in band

Take-home pay

net pay = gross income − income tax − Medicare levy

Employer superannuation is shown separately because it is paid on top of salary and never forms part of take-home pay.

Limitations

Excludes the Medicare Levy Surcharge and HELP/HECS repayments.
Assumes Australian residency for tax purposes and that the tax-free threshold is claimed with one employer.
An annual estimate divided by pay frequency; employer withholding uses the ATO schedules, so a real payslip will differ slightly.
Salary packaging, novated leases and reportable fringe benefits are not modelled.

This page is educational. It applies published rates and thresholds to the figures you enter and shows the arithmetic behind the result. It is an estimate, not a tax determination: your actual liability depends on circumstances this calculator does not collect, and only the relevant tax authority — or an accountant who can see your full position — can confirm what you owe.

Sources & references

Treasury Laws Amendment (More Cost of Living Relief) Act 2025 (No. 28, 2025), Schedule 1 — Federal Register of Legislation (Australian Government)
Treasury Laws Amendment (Cost of Living Tax Cuts) Act 2024 (No. 3, 2024) — foreign resident rates — Federal Register of Legislation (Australian Government)
Income Tax Rates Act 1986, Schedule 7 — General rates of tax — Federal Register of Legislation (Australian Government)
Medicare Levy Act 1986 — s 6 rate of levy, s 7 and s 8 low-income thresholds — Federal Register of Legislation (Australian Government)
Superannuation Guarantee (Administration) Act 1992 — charge percentage (compilation in force 1 July 2026) — Federal Register of Legislation (Australian Government)

Help & FAQs

Frequently Asked Questions

Clear answers to common questions to help you use this calculator confidently.

What results does this take home pay calculator show?

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The calculator shows estimated gross pay, taxes, deductions and net take-home pay. It helps you understand how much income you may receive after deductions.

Is super paid on top of my take-home pay, or out of it?

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It can show indicative superannuation amounts based on the current 12% super guarantee rate. Actual contributions may vary by employer arrangement.

What happens if I change pay frequency?

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Switching between weekly, fortnightly or monthly affects per-period amounts. The calculator converts values accordingly.

Does this take home pay calculator include HECS or other deductions?

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Some deductions may be included, but not all possible withholdings are covered. These should be considered separately.

Is the Take Home Pay Calculator Australia financial advice?

Tap to view the answer

No. The results are estimates for general planning purposes only. You may wish to confirm details with a qualified professional.

Need more help? Contact support or email globalcalqulate@gmail.com

We typically reply within 24–48 hours.

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How to Use This Calculator

Enter your salary

Add your annual salary and any other taxable income such as bonuses or side income.

Add deductions

Include work-related deductions to reduce your taxable income.

Choose pay frequency

Select how often you're paid to see take-home pay per period.

Review take-home pay

View your net pay after income tax and Medicare levy.

Understanding Your Results

Gross income
Total income before tax, including salary and other taxable income.
Taxable income
Gross income minus deductions used to calculate tax.
Income tax
PAYG income tax calculated using Australian tax brackets.
Medicare levy
Standard 2% levy applied to taxable income.
Take-home pay
The amount you receive after tax and Medicare levy.
Employer super
Paid by your employer into superannuation — not part of take-home pay.

How Take Home Pay Works in Australia

From Gross Salary to Take-Home Pay

Take-home pay is what's left after income tax and the Medicare levy are deducted. On a $90,000 salary with no other income or deductions, that's $17,520 income tax plus $1,800 Medicare levy — $19,320 total — leaving $70,680 a year, or $5,890 a month, as shown in the worked example below.

PAYG Withholding vs Your Actual Tax Bill

Employers withhold tax each pay cycle using ATO schedules under the Pay As You Go (PAYG) system. This spreads your estimated annual liability across the year, but it's still an estimate — your real tax position is only finalised when you lodge a return, and can shift with bonuses, a second job, or deductions.

The Medicare Levy

Most residents pay a 2% Medicare levy on taxable income. This calculator applies the low-income reduction: the levy is nil at or below $28,011 for a single person and shaded in between $28,011 and $35,013, where it is capped at 10 cents per dollar above the threshold. The separate Medicare Levy Surcharge, for high earners without private hospital cover, is not modelled.

Why Superannuation Isn't in Your Take-Home Figure

Superannuation is paid by your employer on top of your salary — at the current 12% Superannuation Guarantee rate, that's $10,800 on a $90,000 salary — and it's never part of your take-home pay because it goes straight into your super fund, not your bank account.

What Changes the Result

Work-related deductions reduce taxable income and therefore tax payable. Salary sacrifice into super also reduces taxable income, but the sacrificed amount is taxed at 15% inside the fund and doesn't reach your take-home pay either. This calculator has no separate salary-sacrifice field — include any sacrificed amount in "Deductions" so it comes off your taxable income, and remember it is not take-home pay. The Low Income Tax Offset (LITO) is applied, worth up to $700 below $37,500 and tapering to nil at $66,667.

Formula & methodology

Formula used

Taxable income

taxable income = salary + other income − deductions

Income tax after offsets

tax payable = max(0, Σ (income_in_band × band_rate) − LITO)

Progressive brackets, then the non-refundable Low Income Tax Offset, which reduces tax owed but never below nil.

Medicare levy

levy = 2% of taxable income, with a low-income exemption and shading-in band

Take-home pay

net pay = gross income − income tax − Medicare levy

Employer superannuation is shown separately because it is paid on top of salary and never forms part of take-home pay.

Limitations

Excludes the Medicare Levy Surcharge and HELP/HECS repayments.
Assumes Australian residency for tax purposes and that the tax-free threshold is claimed with one employer.
An annual estimate divided by pay frequency; employer withholding uses the ATO schedules, so a real payslip will differ slightly.
Salary packaging, novated leases and reportable fringe benefits are not modelled.

Calculator inputs

Income details

Deductions & super

Your results

Sources & methodology

Formula & methodology

Formula used

Taxable income

Income tax after offsets

Medicare levy

Take-home pay

Limitations

Sources & references

What results does this take home pay calculator show?

Is super paid on top of my take-home pay, or out of it?

What happens if I change pay frequency?

Does this take home pay calculator include HECS or other deductions?

Is the Take Home Pay Calculator Australia financial advice?

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Calculator inputs

Income details

Deductions & super

Your results

Sources & methodology

How to Use This Calculator

Example: $90,000 salary with 12% super

Understanding Your Results

Key Tips

How Take Home Pay Works in Australia

From Gross Salary to Take-Home Pay

PAYG Withholding vs Your Actual Tax Bill

The Medicare Levy

Why Superannuation Isn't in Your Take-Home Figure

What Changes the Result

Formula & methodology

Formula used

Taxable income

Income tax after offsets

Medicare levy

Take-home pay

Limitations

Sources & references

How to Use This Calculator

Example: $90,000 salary with 12% super

Understanding Your Results

Key Tips

How Take Home Pay Works in Australia

From Gross Salary to Take-Home Pay

PAYG Withholding vs Your Actual Tax Bill

The Medicare Levy

Why Superannuation Isn't in Your Take-Home Figure

What Changes the Result