Australian Take-Home Pay Calculator
Income tax, Medicare levy, HECS-HELP and super. Instant estimates on published ATO rates.
Australian Take-Home Pay Calculator 2026-27
Our Most Popular Calculators
Every tool uses the same ATO-verified engine and the same 2026-27 rates.
Take-Home Pay Calculator
Gross salary in, net pay out. Tax, Medicare, HECS-HELP and super in one view.
Income Tax Calculator
Income tax alone on any salary, using the 2026-27 resident brackets with the 15% first rate.
Fortnightly Pay Calculator
The default Australian pay cycle. See what actually lands each fortnight.
HECS-HELP Repayment
The new marginal repayment system, with the threshold indexed to $69,528.
Medicare Levy Calculator
The 2% levy, plus the low-income reduction that phases it in.
Superannuation Calculator
What your employer adds on top at the 12% super guarantee rate.
How It Works
Get a reliable take-home pay estimate in three simple steps.
Enter Your Salary
Add your gross salary and choose how often you are paid, from hourly to annual.
Add Your Details
Tell us your residency, whether super is included, and if you have a HECS/HELP debt.
See Your Take-Home Pay
View your net pay by week, fortnight, month and year, with a full deduction breakdown.
What Is Take-Home Pay?
Your take-home pay is what actually lands in your bank account. It is your gross salary after the Australian Taxation Office deductions come out: income tax, the Medicare levy, and any HECS/HELP repayment.
Superannuation is different. Your employer pays the 12% super guarantee on top of your salary into your super fund, so it does not reduce your take-home pay unless your salary is quoted as a package that includes super. Our pay and tax guides explain every deduction in depth, and income tax is federal, so the result is identical in every state, as covered in is there state income tax in Australia.
Where a $100,000 Salary Goes
Australian resident, 2026-27, no HELP debt.
2026-27 Rates That Drive Your Estimate
The published ATO figures behind your take-home pay.
| Taxable income | Rate | Tax on this income |
|---|---|---|
| $0 – $18,200 | 0% | Nil (tax-free threshold) |
| $18,201 – $45,000 | 15% | 15c per $1 over $18,200 |
| $45,001 – $135,000 | 30% | $4,020 + 30c per $1 over $45,000 |
| $135,001 – $190,000 | 37% | $31,020 + 37c per $1 over $135,000 |
| $190,001 + | 45% | $51,370 + 45c per $1 over $190,000 |
Resident rates, 2026-27, excluding the Medicare levy. The first marginal rate was cut from 16% to 15% from 1 July 2026. New for 2026-27: a $1,000 standard work deduction you can claim at tax time. Source: Australian Taxation Office.
| Situation | Levy | Detail |
|---|---|---|
| Income at or below $28,011 | 0% | No Medicare levy (single, low-income) |
| $28,011 – $35,013 | Phased | Levy shades in at 10c per $1 over $28,011 |
| Above $35,013 | 2% | Full 2% Medicare levy on taxable income |
| Foreign resident / working holiday | Nil | Medicare levy does not apply |
Single-person thresholds. The ATO has not yet published 2026-27 low-income thresholds, so the 2025-26 figures are shown. Family and senior thresholds differ. Source: Australian Taxation Office.
| Item | 2026-27 | Detail |
|---|---|---|
| HELP repayment threshold | $69,528 | No repayment at or below this income |
| $69,529 – $129,717 | 15c | Per $1 above $69,528 (marginal system) |
| $129,718 – $186,051 | 17c | $9,028 + 17c per $1 above $129,717 |
| Superannuation guarantee | 12% | Paid by employer from 1 July 2025 |
HELP/STSL applies to all study and training loans combined. Source: ATO and StudyAssist.
What Changed on 1 July 2026
Five things moved at the start of the 2026-27 financial year. Most calculators are still running last year’s numbers.
| What changed | 2025-26 | 2026-27 | What it means for you |
|---|---|---|---|
| First marginal tax rate | 16% | 15% | Up to $268 a year back for anyone earning over $45,000 |
| Standard work deduction | None | $1,000 | Claimed at tax time, not on payday, so it does not change your take-home pay |
| HECS-HELP threshold | $67,000 | $69,528 | You start repaying later, and the marginal system replaces whole-of-income |
| Super guarantee | 12% | 12% | Unchanged. 12% was the final legislated increase |
| Payday super | Quarterly | Each payday | Employers must pay super when they pay you, not up to three months later |
Sources: ATO individual income tax rates 2026-27, ATO study and training loan repayment thresholds, superannuation guarantee legislation. Last verified 23 July 2026.
Take-Home Pay at Every Salary Level
Income tax, Medicare levy, take-home pay and super from $30,000 to $200,000, computed on 2026-27 resident rates.
| Gross salary | Income tax | Medicare levy | Take-home pay | Effective rate | Super (12%) |
|---|---|---|---|---|---|
| $30,000 | $1,070 | $199 | $28,731 | 4.2% | $3,600 |
| $40,000 | $2,695 | $800 | $36,505 | 8.7% | $4,800 |
| $50,000 | $5,270 | $1,000 | $43,730 | 12.5% | $6,000 |
| $60,000 | $8,420 | $1,200 | $50,380 | 16% | $7,200 |
| $70,000 | $11,520 | $1,400 | $57,080 | 18.5% | $8,400 |
| $80,000 | $14,520 | $1,600 | $63,880 | 20.2% | $9,600 |
| $90,000 | $17,520 | $1,800 | $70,680 | 21.5% | $10,800 |
| $100,000 | $20,520 | $2,000 | $77,480 | 22.5% | $12,000 |
| $110,000 | $23,520 | $2,200 | $84,280 | 23.4% | $13,200 |
| $120,000 | $26,520 | $2,400 | $91,080 | 24.1% | $14,400 |
| $130,000 | $29,520 | $2,600 | $97,880 | 24.7% | $15,600 |
| $140,000 | $32,870 | $2,800 | $104,330 | 25.5% | $16,800 |
| $150,000 | $36,570 | $3,000 | $110,430 | 26.4% | $18,000 |
| $160,000 | $40,270 | $3,200 | $116,530 | 27.2% | $19,200 |
| $170,000 | $43,970 | $3,400 | $122,630 | 27.9% | $20,400 |
| $180,000 | $47,670 | $3,600 | $128,730 | 28.5% | $21,600 |
| $190,000 | $51,370 | $3,800 | $134,830 | 29% | $22,800 |
| $200,000 | $55,870 | $4,000 | $140,130 | 29.9% | $24,000 |
Australian resident, no HECS-HELP debt, salary excludes super. Computed from published ATO rates for 2026-27. Last verified 23 July 2026.
Worked Examples
Real salary scenarios for the 2026-27 financial year.
Two Real-World Pay Packets
How the 2026-27 rates land for two common situations.
Priya, registered nurse on $85,000
Australian resident, no study loan
Priya pays $16,020 in income tax and $1,700 Medicare levy in 2026-27, keeping $67,280 a year. That is $2,588 a fortnight, and her employer adds $10,200 of super on top. Her average tax rate is 20.8%, well below her 30% marginal rate.
Jake, electrician on $110,000 with HECS
Australian resident, repaying a study loan
Jake pays $23,520 income tax, $2,200 Medicare levy and a $6,071 HECS-HELP repayment under the 2026-27 marginal system. He keeps $78,209 a year, $3,008 a fortnight, with $13,200 super paid on top.
Which Rates Apply to You?
Your residency for tax purposes decides your tax scale and whether you pay the Medicare levy.
Australian Resident
Most employees and citizens
- Tax-free threshold of $18,200
- Marginal rates from 15% to 45%
- 2% Medicare levy applies
- Low Income Tax Offset up to $700
Foreign Resident
Not a resident for tax purposes
- No tax-free threshold
- 30% from the first dollar to $135,000
- No Medicare levy
- Still repays HELP if applicable
Working Holiday Maker
417 and 462 visa holders
- 15% on the first $45,000
- Then resident-style marginal rates
- No Medicare levy
- Employer still pays 12% super
Why Trust These Numbers
Every figure on this site traces back to a published source, with the date we last checked it.
Straight from the ATO
Primary sources only
- 2026-27 resident tax brackets
- Study and training loan thresholds
- Superannuation guarantee legislation
- Fair Work National Employment Standards
Current, not last year
Updated 23 July 2026
- 15% first marginal rate, live since 1 July 2026
- HECS threshold at the indexed $69,528
- Every rate-bearing page carries a verified date
- Corrections are stated on the page, not buried
Nothing leaves your browser
No account, no tracking of your salary
- Calculations run entirely on your device
- No salary figure is sent to a server
- No signup and no email required
- Free, with no usage limit
Common Take-Home Pay Mistakes
Counting super as take-home
Super is paid by your employer into your fund on top of salary. It is your money, but it is not in your pay packet, and a package quoted including super pays less in hand than the same number quoted plus super.
Fearing the next tax bracket
Only the dollars above a threshold are taxed at the higher rate. On $90,000 your marginal rate is 30% but your average rate is just 21.5%. A pay rise never reduces your take-home pay.
Confusing withheld with owed
Payday withholding is an estimate. Your actual tax is settled at return time, which is why bonuses and second jobs look over-taxed during the year and often come back as refunds.
Forgetting HECS-HELP kicks in at $69,528
From 2026-27 you repay 15c per dollar above the threshold under the marginal system explained in our HECS-HELP repayments guide. Crossing it with a pay rise starts repayments on the amount above it only, not on your whole income.
Frequently Asked Questions
Common questions about Australian pay, tax and super.
See Exactly What You Take Home
Takes 30 seconds. Free, no signup, no data stored.
Calculate My Take-Home Pay