Australian Pay & Salary Calculators
Free pay calculator, salary calculator, tax tools and financial planning calculators. Updated for the 2025–2026 financial year with official ATO rates.
More tools
Go deeper with your numbers
Use calculators for pay, tax, super, and comparisons.
Public Service Salary Scales
APS, NSW, VIC, QLD, SA, WA, TAS & NT — salary bands, career progression, and take-home estimates side by side.
Reverse Salary Calculator
Know exactly what gross you need to hit your take-home target.
HECS Calculator
Estimate compulsory HELP repayments, payoff time, and voluntary repayment impact.
Invest vs Offset
Compare investing in shares against your mortgage offset. Factors in CGT, dividends, and franking credits.
Salary Sacrifice
See how pre-tax super contributions reduce your income tax.
Hourly to Salary
Convert hourly rates to annual salary and see net pay after tax, Medicare, and HECS.
CGT Calculator
Estimate capital gains tax, the 50% discount, and incremental tax on top of income.
How to Use These Australian Tax and Pay Calculators
WageCalculator provides a comprehensive suite of free financial calculators designed specifically for Australian workers, employers, and job seekers. All tools use official Australian Taxation Office (ATO) rates for the 2025–2026 financial year, including the revised Stage 3 tax brackets, current Medicare Levy thresholds, and the latest HECS/HELP repayment bands.
Start with the pay calculator to see your take-home pay after tax, Medicare, and HECS. Enter your gross salary as an annual, monthly, fortnightly, weekly, or hourly figure and get an instant breakdown of every deduction. If you know your desired take-home pay and need to find the gross salary required, use the reverse salary calculator.
For university graduates, the HECS/HELP calculator projects your repayment timeline based on your income and debt balance. Planning for retirement? The super projection tool models how your superannuation will grow over time. And if you are comparing a contract role against a permanent position, the contractor calculator shows the true cost difference including super, leave, and insurance.
Why Use Our Calculators?
Accurate & Reliable
All calculations use official ATO rates and formulas, updated for the 2025–2026 financial year including revised Stage 3 brackets, Medicare Levy, and HECS thresholds.
Private & Secure
All calculations happen in your browser. Your financial data never leaves your device — no server calls, no tracking, no sign-up required.
Fast & Easy
Get instant results with our user-friendly interface. Enter your salary and see your complete tax breakdown in seconds across every pay period.
Frequently Asked Questions
What calculators are available on this site?
WageCalculator provides a suite of free Australian financial calculators, all updated for 2025-26 ATO rates. The main pay calculator shows your take-home pay after income tax, Medicare Levy, HECS/HELP, and superannuation. Additional tools include a reverse salary calculator (find the gross salary needed for a target net income), HECS/HELP repayment calculator, superannuation projection tool, capital gains tax calculator, contractor vs employee comparison, budget planner, payslip generator, and work hours calculator. All tools run entirely in your browser — no data is sent to any server.
How accurate are these calculators?
All calculators use the official Australian Taxation Office (ATO) rates, brackets, and formulas for the 2025-26 financial year. This includes the revised Stage 3 tax brackets effective 1 July 2024, the current Medicare Levy rate of 2%, and the latest HECS/HELP repayment thresholds. Tax calculations follow the same PAYG withholding schedules that payroll software uses, so results align with what you would see on your payslip. Public service salary data is sourced from official enterprise agreements and state government awards. While these tools provide reliable estimates for planning purposes, individual circumstances may vary — always consult a qualified tax professional for formal tax advice.
Is my financial data safe when using these tools?
Yes. All calculations run entirely client-side in your web browser using JavaScript. No salary figures, tax details, or personal information is sent to any server, stored in any database, or shared with any third party. Your financial data never leaves your device. This privacy-first approach means you can use these calculators confidently for sensitive financial planning — whether you are evaluating a job offer, verifying your payslip, or modelling salary sacrifice scenarios. There is no sign-up required and no cookies are used to track your calculations.
What is the difference between a pay calculator and a tax calculator?
A pay calculator and a tax calculator serve related but distinct purposes. A pay calculator (also called a wage calculator or salary calculator) takes your gross income and shows your net take-home pay after all deductions — income tax, Medicare Levy, HECS/HELP repayments, and optionally salary sacrifice. A tax calculator focuses specifically on how much income tax you owe, showing the breakdown across progressive tax brackets. The WageCalculator pay calculator on this site does both: it calculates your income tax using ATO 2025-26 brackets and then shows your complete take-home pay breakdown across all pay periods (weekly, fortnightly, monthly, and annual).
Can I use these calculators for the current financial year?
Yes. All calculators are updated for the 2025–2026 financial year (1 July 2025 to 30 June 2026). This includes the current income tax brackets with the revised Stage 3 rates, the 2% Medicare Levy and shade-in thresholds, HECS/HELP repayment bands, and the Superannuation Guarantee rate. When ATO rates change for a new financial year, all calculators on this site are updated promptly so you always have access to the latest figures. You can also use the financial year selector on the main calculator to compare your tax across previous years.