Wage Calculator

Take-Home Pay Calculator

What hits your bank account each pay cycle, after tax.

Take-Home Pay

showing as year
$/ year
$2k / year$300k / year

Super rate: 12% (default)

How shift loadings are taxed

Additional settings

Take-Home Pay

Per pay cycle, after tax & deductions

2026-27

Fortnightly Take-Home

$2,326.15

from $2,884.62 gross · 80.6% retained

Take-Home
$2,326.15
80.6% of gross
Income Tax
$500.77
17.4%
Medicare
$57.69
Levy
Across all pay cycles
  • Hourly
    Assumes 37.5 hr/wk
    $31.02
    $38.46 gross
IncludesTax-free thresholdMedicare levy

Superannuation

2026-27

The Super Guarantee is the minimum your employer must pay into super — 12% of ordinary earnings — on top of your take-home pay. You can add voluntary contributions (salary sacrifice or personal deductible) up to the concessional cap to grow your balance faster.

Employer super
$9,000
12% of your pay, employer-paid
Concessional cap room
$23,500
left under the $32,500 cap
Example: projected at 67
$1,773,718
about $804,861 in today's dollars

Example only: assumes you're 35 with a $100,000 balance, a 7.0% yearly return and today's pay held flat. Projected balances are in future dollars; the today's-dollars figure allows for 2.5% inflation. Use your own age and balance.

$/ month

Enter a monthly amount (for example $200) to see how voluntary contributions grow the example balance by 67.

Project retirement balance Model salary sacrifice

Where Your Money Goes

2026-27

From $75,000 gross, you keep $60,480 and $14,520 goes to income tax and Medicare.

$75,000 gross$60,480 take-home
Take-Home
Income Tax
Medicare Levy
Gross income $75,000. Take-Home $60,480 (80.6%).Income tax $13,020 (17.4%). Medicare $1,500 (2.0%).
19.4%
Effective Tax Rate
Your average tax across the whole income
30.0%
Marginal Tax Rate
The rate on your next taxable dollar
Top bracket: $45,001 – $135,000 at 30.0%· You are $60,000 below the next bracket (37.0%).

Cash outflows

Income Tax−$13,020
Medicare Levy−$1,500
Total Deducted−$14,520

How Your Tax Was Calculated

Step-by-step: brackets, offsets, Medicare

Estimate only. Uses 2026-27 rates and standard assumptions; not financial or tax advice.

What changed from 2025-26

2026-27

Your take-home is $268 higher under the 2026-27 settings for these inputs.

2025-26: $60,2122026-27: $60,480+$268
Take-home pay
$60,212 → $60,480
$268 higher
Income tax
$13,288 → $13,020
$268 less

Same inputs, with each year's tax, HELP/HECS, Medicare, MLS, and super settings applied.

What's next

Compare against another jobSee how a second offer stacks up on take-home payBudget PlannerPlan your budget with this take-home paySalary SacrificeReduce your tax via salary sacrificeSuper ProjectionProject your retirement balance on this salary

Estimates only. Based on 2026-27 ATO rates and standard assumptions. Individual results vary — not financial or tax advice. Full disclaimer ↗

Tax Trivia1 / 7
Tax Basics

The tax-free threshold in Australia is currently $18,200.

What you take home each pay cycle

Most Australians are paid weekly or fortnightly, but salaries are quoted annually — so the number that matters for budgeting isn't your gross salary, it's what lands in your bank account every pay run. Enter a gross salary above and this calculator shows your take-home pay weekly, fortnightly, monthly, and annually so you can line it up against rent, a mortgage repayment, or a fortnightly budget. If you already know the take-home figure you want and need to work out the salary that delivers it, the reverse salary calculator runs the same brackets in the opposite direction.

The breakdown applies the 2026–2027 ATO income tax brackets, the Medicare levy, and optional HECS/HELP repayments. Employer super is shown separately because it's paid into your fund — not into your bank account — so it doesn't reduce the cash you receive each cycle. If you're a higher earner without private hospital cover, an additional surcharge can also apply — check the Medicare Levy Surcharge guide to see whether it affects your take-home pay. The PAYG withheld from each pay is reconciled when you lodge your return — the tax return calculator estimates whether the year's withholding adds up to a refund or a bill. To check the exact amount coming out of a single payslip, the weekly tax calculator applies the ATO's Schedule 1 withholding formula to one pay period at a time.

For the math behind fortnightly cycles specifically — including why a fortnight isn't half a month — see the fortnightly take-home pay guide. To match these numbers against the lines on your actual payslip — gross, PAYG withheld, super, net — the payslips guide walks through a worked sample.

Take-Home Pay by Salary, 2026–2027

Quick reference for common salaries. Assumes tax-free threshold claimed, no HECS debt, and no salary sacrifice. Each row links to a full breakdown for that salary.

Gross SalaryIncome TaxMedicareTake-Home (Year)MonthlyFortnightlyWeekly
$60,000$8,420$1,200$50,380$4,198$1,938$969
$70,000$11,520$1,400$57,080$4,757$2,195$1,098
$80,000$14,520$1,600$63,880$5,323$2,457$1,228
$90,000$17,520$1,800$70,680$5,890$2,718$1,359
$100,000$20,520$2,000$77,480$6,457$2,980$1,490
$120,000$26,520$2,400$89,880$7,490$3,457$1,728
$150,000$36,570$3,000$108,555$9,046$4,175$2,088
$200,000$55,870$4,000$137,130$11,428$5,274$2,637
All values calculated dynamically using 2026-27 ATO tax rates. Your actual take-home pay may differ based on HECS debt, salary sacrifice, Medicare Levy Surcharge, and the factors listed below. Use the calculator above for a personalised result.

Where this lands on your payslip

The numbers the calculator surfaces map directly to lines on a standard Australian payslip:

Gross income → Gross pay

Your salary or wage before any deductions, shown on the payslip as the starting line.

Income tax + Medicare levy + HECS → PAYG withheld

Most payslips combine these into a single withholding line. The calculator splits them out so you can see the contribution of each.

Salary sacrifice → Pre-tax deduction

Sacrificed amounts (super, novated lease, etc.) are taken before income tax and reduce both your taxable income and your cash take-home.

Employer super → Separate line

Super is shown separately on payslips and does not reduce your take-home pay. The calculator follows the same convention — to see where those contributions end up, project your super balance at retirement.

Net income → Net pay

The amount paid to your bank account each cycle. This is the headline figure the calculator surfaces alongside the weekly, fortnightly, monthly, and annual views.

Why your real payslip may differ

The calculator assumes a standard PAYG schedule with the inputs you supply. A live payslip can vary because of:

  • Payroll rounding: employers round each pay run to the nearest dollar or cent under the ATO's withholding schedules, which can add or subtract a few dollars.
  • Allowances and overtime: shift loadings, overtime, penalty rates, and reimbursements change the gross pay for that period.
  • Leave loading: the 17.5% loading paid on annual-leave hours moves the gross figure up in the periods it is paid.
  • Voluntary extra withholding: if you have asked your employer to withhold an additional amount, your net pay drops below the calculator's estimate.
  • Tax declaration settings: whether you claim the tax-free threshold with this employer, your residency status, and any tax offsets you have lodged change the withholding rate.
  • Employer-specific rules: salary packaging arrangements, fringe benefits, study assistance, and enterprise-agreement clauses can introduce deductions or uplifts the calculator does not model.

Related calculators

Net to Gross Calculator

Know your take-home target? Find the gross salary you need.

HECS/HELP Calculator

See how a HECS debt changes your weekly and fortnightly take-home, and project when it will be repaid.

Hourly to Salary Calculator

Convert an hourly rate to annual salary and see take-home pay each pay cycle.

Salary Sacrifice Calculator

See how salary sacrifice into super or a novated lease changes your take-home pay each cycle.

Frequently Asked Questions

Have a question we didn’t answer? Contact us →

How do I work out my weekly take-home pay from an annual salary?

Take-home pay is calculated annually, then split across the cycle you're paid on. The calculator applies the ATO's PAYG income tax brackets, the Medicare levy, and any optional deductions to your gross salary, then divides the net amount by 52 for weekly, 26 for fortnightly, 12 for monthly, or shows the annual total. Enter your salary above and the four cycle views update together so you can budget against the cycle your employer actually pays on.

Why is my fortnightly take-home pay less than half my monthly pay?

There are 26 fortnights in a year but only 12 months, so a fortnight is shorter than half a month. Annual take-home divided by 26 will always come out a few percent lower than annual take-home divided by 12 and halved. The calculator uses the correct divisors for each cycle, which is why the weekly, fortnightly, and monthly figures don't line up to round multiples of each other.

How is take-home pay split across weekly and fortnightly cycles?

The calculator works out your annual income tax, Medicare levy, and any HECS/HELP repayments first, then divides the resulting net amount evenly across the chosen pay cycle. A salaried role typically pays the same amount every pay run, while hourly or rostered work can vary period-to-period — so the per-cycle figures are best read as an even-distribution estimate.

What's on my payslip versus what this calculator shows?

Most payslips show gross pay, PAYG tax withheld, Medicare levy, optional HECS/HELP, salary sacrifice deductions, employer super (separately from take-home), and net pay. This calculator surfaces the same components: gross income, income tax, Medicare levy, HECS/HELP if enabled, super shown separately, and the net figure that lands in your bank account.

Why might my real payslip differ from this estimate?

Payroll systems apply rounding rules, period-specific allowances, overtime and penalty rates, leave loading, and any voluntary extra withholding you have set with your employer. Your tax declaration (tax-free threshold claim, residency, additional offsets) and employer-specific configurations also change the withheld amount. The calculator assumes a standard PAYG schedule with the inputs you provide.

Does take-home pay include superannuation?

No. Take-home pay is the cash that lands in your bank account after tax and other deductions. Employer super is paid on top of your salary directly into your super fund — it is part of your total compensation but not part of your take-home pay.

When does HECS/HELP start affecting my take-home pay?

Compulsory HECS/HELP repayments begin once your repayment income reaches the ATO threshold for the selected financial year. Below the threshold there is no compulsory repayment; above it, the ATO's marginal-rate method applies and your employer withholds the repayment alongside PAYG tax. Toggle HECS/HELP in the calculator above to see the effect on each pay cycle.

How does salary sacrifice change take-home pay each pay cycle?

Salary sacrifice routes part of your gross pay into super (or other approved benefits) before income tax is calculated. That reduces your taxable income and your weekly or fortnightly PAYG withholding, but it also reduces the cash component you receive. The calculator's salary-sacrifice setting models the trade-off so you can compare net pay before and after.

What's the difference between a post-tax deduction and salary sacrifice?

Salary sacrifice comes out before tax, so it lowers your taxable income and the tax you pay. A post-tax deduction comes out of money that's already been taxed — things like after-tax super contributions, union fees, or a voluntary HECS repayment — so it changes your take-home but not your tax, Medicare, compulsory HECS, or super. Add post-tax deductions in the calculator to see your take-home after those outgoings as a separate figure.

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