Wage Calculator
Calculate take-home pay for wages, salaries and hourly rates after PAYG tax, Medicare, HECS/HELP and super — for any financial year.
Income
Additional settings
Adjust residency, super, Medicare, HECS/HELP, salary packaging, and deductions.
The tax-free threshold in Australia is currently $18,200.
Pay Summary
Annual Take-Home
$60,212.00
from $75,000.00 gross
- Take-Home
- 80.3%
- Total Tax
- $14,788.00
| Period | Before Tax | Take-Home Pay |
|---|---|---|
| Monthly | $6,250.00 | $5,017.67 |
| Fortnightly | $2,884.62 | $2,315.85 |
| Weekly | $1,442.31 | $1,157.92 |
| Daily | $288.46 | $231.58 |
| Hourly | $38.46 | $30.88 |
Superannuation
- Employer super
- $9,000
- Monthly contribution
- $750
- Projected at 67
- $1,932,928
- Add $200/mo
- $2,215,968
Projections use the super calculator defaults: 7.0% return, 2.5% inflation, and employer super paid outside take-home pay.
Where Your Money Goes
From $75,000 gross, you keep $60,212 and $14,788 goes to income tax and Medicare.
Taken from gross pay
How Your Tax Was Calculated
Step-by-step: brackets, offsets, Medicare
Related tools
Estimates only. Based on 2025-26 ATO rates and standard assumptions. Individual results vary — not financial or tax advice. Full disclaimer ↗
Wage Calculator applies the selected financial year's PAYG income tax brackets, Medicare Levy, Low Income Tax Offset, and Superannuation Guarantee. Optional inputs cover salary sacrifice, novated lease, fringe benefits, Division 293, and the Medicare Levy Surcharge — so the take-home figure reflects the same items your payroll office models.
Explore Tax Brackets
Your tax story at
$75,000
Only $29,999 is taxed at your top rate of 30%. Your average income tax rate is 17.7%.
Your average rate stays lower because earlier slices keep their lower bracket rates.
Tax brackets applied
Darker means higher rate
| Bracket | Income | Rate | Tax |
|---|---|---|---|
| $0-$18.2k | $18,200 | 0% | $0 |
| $18.2k-$45k | $26,799 | 16% | $4,288 |
| $45k-$135k | $29,999 | 30% | $9,000 |
| Total tax | $74,998 | 17.7% | $13,288 |
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What You Can Work Out With This Pay Calculator
Use Wage Calculator to turn a wage, salary, or hourly rate into estimated take-home pay. Choose the financial year you want to model, then see how PAYG income tax, Medicare levy, HECS/HELP repayments, superannuation, and common salary packaging scenarios affect the result.
It is built for practical questions: what will land in your bank account each pay cycle, how much tax is being withheld, and whether a different salary, work pattern, or salary sacrifice setup changes the result. For bigger decisions, compare offers after tax with the salary comparison tool.
Use this pay calculator when
- You want net pay from a job offer, wage, salary, or hourly rate.
- You need hourly, daily, weekly, fortnightly, monthly, and annual take-home figures.
- You want a quick take-home pay estimate.
- You want to compare tax years without changing pages.
Take-home pay by period
Enter annual, monthly, fortnightly, weekly, daily, or hourly income and see the matching take-home amount for each pay cycle.
Tax and study debt
Estimate PAYG income tax, Medicare levy, Low Income Tax Offset, and optional HECS/HELP repayments in one breakdown.
Super and packaging
Include Super Guarantee settings, test pre-tax super contributions, or model a novated lease where it affects taxable income and take-home pay.
Private by design
Calculations run in your browser. Salary inputs are not sent to a server, stored, or shared by Wage Calculator.
Frequently Asked Questions
How is income tax calculated in Australia?
Australia uses a progressive tax system — different rates apply to different portions of your income, not a single flat rate on the whole amount. The brackets for the current financial year are: 0% on income up to $18,200 (the tax-free threshold), 16% on $18,201–$45,000, 30% on $45,001–$135,000, 37% on $135,001–$190,000, 45% on income above $190,000. The Low Income Tax Offset (LITO) can reduce tax by up to $700 for taxable incomes below $66,667. This calculator applies all current brackets, LITO, and the Medicare Levy automatically when you enter your income.
What is the difference between a wage calculator and a salary calculator?
There is no difference for tax purposes — both calculate take-home pay from gross income using the same brackets, Medicare Levy, and HECS/HELP thresholds. The distinction is structural: a wage is typically hourly or weekly, common in retail, hospitality, and trades; a salary is a fixed annual amount, common in professional and corporate roles. Both are subject to the same income tax rates and the same 12% Superannuation Guarantee. This calculator handles both — enter an annual figure or an hourly rate and choose your pay period to see net pay for each cycle.
What is the Medicare Levy?
The Medicare Levy is a 2% tax on taxable income that funds Australia's public healthcare system. You pay the full levy once taxable income exceeds approximately $36,509 per year, no levy below $29,207, and a shade-in rate between the two. The Medicare Levy is separate from the Medicare Levy Surcharge (MLS), an additional 1%–1.5% charged to higher earners ($101,000+ singles, $202,000+ families) without appropriate private hospital cover. The calculator applies the levy based on your income and handles the shade-in band automatically.
How are HECS/HELP repayments calculated?
HECS-HELP repayments are calculated on repayment income, which is taxable income plus reportable fringe benefits and reportable super contributions. For the current financial year, compulsory repayments begin once repayment income reaches $67,000. Above this threshold, the marginal-rate method applies — each dollar within a repayment band is charged at that band's rate, then the total is combined. HECS debts are indexed annually based on the Consumer Price Index. Tick the HECS/HELP option in the calculator to see the repayment amount and its impact on take-home pay.
What is salary sacrifice and how does it reduce tax?
Salary sacrifice is an arrangement that directs pre-tax salary toward approved benefits — additional superannuation contributions, a novated lease, or eligible work equipment. Because the sacrificed amount comes out before income tax is calculated, taxable income falls and the tax bill falls with it. Sacrificed super is taxed at 15% inside the fund instead of the marginal rate. The Superannuation Guarantee is paid on your original salary, so sacrifice does not reduce the SG entitlement. The calculator's salary sacrifice section models the exact effect on take-home pay.
What will my take-home pay be on $80,000?
On an $80,000 gross salary the calculator estimates approximate income tax of $14,788, Medicare Levy of $1,600, and a net take-home of roughly $63,612 per year — about $2,447 per fortnight — for the current financial year. Employer super of $9,600 is paid on top. Add HECS/HELP, salary sacrifice, or the Medicare Levy Surcharge in the calculator if they apply to you.
How much tax do I pay on $100,000 in Australia?
For a $100,000 gross salary the calculator estimates income tax of approximately $20,788 plus a Medicare Levy of $2,000 — an effective combined rate of about 22.8% for the current financial year. Net take-home is roughly $77,212 per year. Tick the HECS/HELP option if you have a study debt, or enable salary sacrifice to see how pre-tax super contributions change the result.
If I earn $40 an hour, what's my annual take-home pay?
At $40 per hour over a standard 38-hour week (1,976 hours per year), gross annual income is approximately $79,040. The calculator estimates income tax of $14,500 and Medicare Levy of $1,581 for the current financial year, leaving a net take-home of roughly $62,959 per year — about $32 per hour after tax. Switch the pay period to hourly inside the calculator to see this breakdown live.
Does an $80k salary include super?
Generally, no — an advertised $80,000 salary is the base salary before super, and employer Superannuation Guarantee of $9,600 (12% for the current financial year) is paid on top. Some packages quote a 'total remuneration' figure that bundles super into the headline number; check the offer wording. The calculator shows employer super separately from take-home pay so you can see exactly what lands in your bank account each pay cycle.