Your real take-home pay, after tax.
See exactly what lands in your account after income tax, Medicare, HECS/HELP and super — updated for the 2026–27 financial year. Switch between yearly, monthly, fortnightly, weekly and hourly in one tap.
Your income
Advanced options
Your pay, every which way
Estimate only, based on ATO rates for the year shown. Not financial advice. See the full method and assumptions below.
How your take-home pay is worked out
Four things come out of a typical Australian salary. This calculator applies each one using the official ATO figures for the financial year you choose.
Australia taxes income at the federal level only — there is no separate state income tax — so your take-home pay is the same whether you live in Sydney, Perth or Hobart. Your employer withholds tax from each pay under the PAYG system, and the final position is squared up when you lodge your return.
Start with your gross salary. From it the calculator subtracts your income tax, the Medicare levy, and — if you have one — your compulsory HECS/HELP repayment. What is left is your net, in-the-hand pay. Superannuation sits outside this: it is paid by your employer on top of your salary, which is why it is shown separately rather than deducted.
Income tax rates — residents, 2026–27
| Taxable income | Tax on this income |
|---|---|
| $0 – $18,200 | Nil |
| $18,201 – $45,000 | 15c per $1 over $18,200 |
| $45,001 – $135,000 | $4,020 + 30c per $1 over $45,000 |
| $135,001 – $190,000 | $31,020 + 37c per $1 over $135,000 |
| $190,001 and over | $51,370 + 45c per $1 over $190,000 |
Medicare levy
Most residents pay 2% of taxable income to help fund public healthcare. Low earners pay a reduced rate or nothing; foreign residents don't pay it at all.
Superannuation
Employers pay 12% of your ordinary earnings into super in 2026–27. On a "salary + super" package this is on top of your pay — it's your money, just locked away for retirement.
HECS / HELP
From 2026–27 you only repay on income above $69,528, at 15c then 17c per dollar (capped at 10% of income) — so repayments are gentler than the old whole-of-income system.
"Salary + super" vs "package includes super" — why it matters
This single question trips up more people than any other, and it can change your take-home by thousands. If a job is advertised as "$90,000 + super", you are paid $90,000 and your employer adds 12% ($10,800) into super on top. If the same job is advertised as a "$90,000 total package including super", your actual salary is only about $80,357 and the rest is super — a real cut to the cash you take home. Use the toggle above to model both and compare.
Salary sacrifice and the HECS trap
Salary sacrificing into super is a popular way to cut tax, and it does lower your taxable income. But there is a catch many calculators get wrong: for HELP/HECS purposes the ATO adds the sacrificed amount back as reportable super contributions. So sacrificing does not shrink your compulsory student-loan repayment — the effect is close to neutral. Turn on the HECS toggle and add a salary sacrifice amount in Advanced options to see this handled correctly.
Related calculators
More ways to slice the same numbers. Pick the angle that fits your question.
Frequently asked questions
How is take-home pay calculated in Australia?
Take-home pay is your gross salary minus income tax (PAYG), the 2% Medicare levy, and any compulsory HECS/HELP repayment. Superannuation is paid by your employer on top of your salary, so it does not reduce your take-home pay — unless your package is quoted as including super, in which case part of the headline figure is really super.
What is the income tax rate for 2026–27?
For residents from 1 July 2026: 0% up to $18,200; 15% from $18,201 to $45,000 (reduced from 16%); 30% from $45,001 to $135,000; 37% from $135,001 to $190,000; and 45% above $190,000. The 2% Medicare levy applies on top for most residents.
How does HECS/HELP repayment work in 2026–27?
It uses a marginal system. You repay nothing below the minimum threshold of $69,528. Above it you repay 15 cents per dollar up to $129,717, then 17 cents per dollar above that — capped at 10% of your total repayment income, whichever is lower. This is far gentler than the old system, which applied a flat percentage to your whole income.
Does salary sacrifice reduce my HECS repayment?
No. Salary sacrificing to super lowers your taxable income for income tax, but the sacrificed amount is added back as reportable super contributions when your HELP repayment income is worked out. The net effect on your compulsory repayment is roughly neutral — a detail this calculator handles correctly.
Do non-residents and working holiday makers pay different tax?
Yes. Foreign residents pay 30% from the first dollar up to $135,000, then 37% and 45%, with no tax-free threshold, no Low Income Tax Offset and no Medicare levy. Working holiday makers pay 15% on the first $45,000 and then move onto the foreign resident scale.
How much super will I get in 2026–27?
The Super Guarantee rate is 12% of your ordinary time earnings for 2026–27. On a "salary + super" package it is paid on top of your salary; on a "total package" the 12% is carved out of the headline figure.