Calculate your take-home pay.
Enter any salary or wage and see exactly what lands in your bank after income tax, Medicare and HECS/HELP — for the 2026–27 financial year. Net pay shown by year, month, fortnight, week and hour.
Your income
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Your take-home 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 to calculate your take-home pay
Take-home pay is simply your gross pay minus what the tax office takes out. Here is exactly what comes off, and what does not.
Your take-home pay — also called your net pay or in-the-hand pay — is the money that actually reaches your bank account each payday. To work it out, start from your gross pay (your salary or wage before deductions) and subtract three things: income tax withheld under PAYG, the 2% Medicare levy, and a compulsory HECS/HELP repayment if you carry a student loan. The take-home pay calculator above runs that whole calculation for the 2026–27 financial year the moment you type a number in.
One thing that does not come out of your take-home pay is superannuation. On a "salary + super" job your employer pays the 12% Super Guarantee on top of your wage, so it never touches your net pay. It only eats into your cash if a role is quoted as a total package including super — use the toggle in the calculator to model both and see the difference.
What comes out of your pay
Income tax (PAYG)
The biggest deduction, charged at your marginal rate on the top slice of your income. Your employer withholds it from each pay and sends it to the ATO.
Medicare levy
Most residents pay 2% of taxable income for public healthcare. Low earners pay a reduced rate or nothing; foreign residents don't pay it.
HECS / HELP
If you have a student loan, a compulsory repayment comes out once your income passes $69,528. Tick the toggle to include it in your net pay.
Income tax rates, brackets and the tax-free threshold
The amount of tax that comes out of your pay depends on which tax bracket your income falls in. Australian residents pay nothing on the first $18,200 — the tax-free threshold — then a rising rate on each slice above it. These are the resident income tax rates for 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 |
Tax applies only to the portion of your annual salary inside each income tax bracket, not your whole income, so your average rate stays below your top marginal rate. A Low Income Tax Offset — one of several tax offsets — further reduces personal income tax for lower earners. The gap between your gross income (before tax) and your net income (your take-home pay) is simply the total Australian income tax, the Medicare levy and any HELP repayment. Most Australians on a salary are taxed this way; foreign residents and working holiday makers follow separate scales with no tax-free threshold.
Take-home pay on common salaries (2026–27)
Here is the take home pay on a range of salaries for an Australian resident in 2026–27, on a salary-plus-super basis with no HECS/HELP debt. Your own figure will vary with your residency, a student loan or salary sacrifice — enter your exact number above for a personalised result.
| Gross salary | Per year | Per month | Per week |
|---|---|---|---|
| $50,000 | $43,730 | $3,644 | $841 |
| $60,000 | $50,380 | $4,198 | $969 |
| $75,000 | $60,480 | $5,040 | $1,163 |
| $90,000 | $70,680 | $5,890 | $1,359 |
| $100,000 | $77,480 | $6,457 | $1,490 |
| $120,000 | $91,080 | $7,590 | $1,752 |
| $150,000 | $110,430 | $9,203 | $2,124 |
Take-home pay by pay cycle
However you're paid, your annual net pay is the same — it's just sliced differently across each pay cycle. The calculator shows your take-home pay per year, per month, per fortnight, per week and per hour at once, so you can match it to how your employer actually pays you and check what a pay rise is really worth after tax. Monthly take-home is your annual net divided by 12; weekly is divided by 52; fortnightly by 26. In practice your payslip may differ by a few dollars because PAYG withholding uses rounded tax tables, and any gap is reconciled at tax time.
Why your take-home pay might differ from the estimate
This tool gives an accurate annual estimate, but a few things shift the real number on your payslip. A HECS/HELP debt adds a repayment once you pass the threshold. A package quoted as including super lowers your cash salary. Salary sacrifice into super reduces your taxable income (and your tax), though it also lowers the cash you take home. Work-related deductions claimed in your tax return reduce the tax you ultimately owe, so your end-of-year position can be a little better than what's withheld during the year. And high earners without private hospital cover may pay the Medicare levy surcharge on top. Because it applies the current ATO rates, this take-home pay calculator doubles as a salary after tax and income tax calculator for any gross figure you enter.
Two kinds of super contributions shape the picture too. Your employer's superannuation guarantee of 12% is paid on top of your base salary and doesn't reduce take-home pay. Salary sacrificing — making extra concessional superannuation contributions from your before-tax pay — does lower your taxable income and tax, while trimming the cash you take home. Whether a role is quoted as a base salary plus super or a single salary package changes how much of the headline figure is really yours to spend. Lenders also look at your net income when you apply for a home loan, so knowing your true take-home pay helps you judge what you can comfortably borrow.
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Frequently asked questions
How do I calculate my take-home pay in Australia?
Start with your gross pay, then subtract income tax (PAYG), the 2% Medicare levy and any compulsory HECS/HELP repayment. What's left is your take-home pay, or net pay. Superannuation is paid by your employer on top of your salary, so it doesn't come out of your take-home pay — unless your package is quoted as including super.
What is the difference between gross pay and take-home pay?
Gross pay is your salary or wage before any deductions. Take-home pay (net pay) is what reaches your bank account after income tax, the Medicare levy and any HECS/HELP repayment. The gap between the two is the tax withheld from your pay under the PAYG system.
How much is taken out of my pay in Australia?
For a resident, the deductions are income tax at your marginal rate, the 2% Medicare levy, and a HECS/HELP repayment if you have a student loan. On a $90,000 salary in 2026–27 that's about $17,520 income tax plus $1,800 Medicare, leaving roughly $70,680 take-home pay — with super of $10,800 paid on top.
Is take-home pay calculated before or after superannuation?
Super is separate. On a salary-plus-super arrangement your employer pays the 12% Super Guarantee on top of your salary, so it doesn't reduce your take-home pay. Only if your package is quoted as total remuneration including super is part of the headline figure really super rather than cash in hand.
Why is my take-home pay lower than I expected?
Common reasons are a HECS/HELP debt adding a repayment, a package that includes super rather than paying it on top, the Medicare levy, or PAYG withholding that's slightly higher than your final tax. Your actual position is squared up when you lodge your tax return and claim any deductions.
What is the take-home pay on a $100,000 salary?
On a $100,000 salary plus super for a resident in 2026–27, take-home pay is about $77,480 a year, or roughly $6,460 a month, after $20,520 income tax and $2,000 Medicare levy. Super of $12,000 is paid on top, and a HECS/HELP debt would reduce the net figure.
Does the calculator show weekly and fortnightly take-home pay?
Yes. It converts your net pay into every common pay cycle, so you see take-home pay per year, per month, per fortnight, per week and per hour at once — handy for checking what a pay rise is worth in each pay frequency.
Is take-home pay the same in every Australian state?
Yes. Income tax in Australia is federal, so the states don't levy their own tax on your salary. Your take-home pay is the same whether you live in New South Wales, Victoria, Queensland or anywhere else — for the same gross salary and circumstances.