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SalaryCalc — Australian pay calculator

Australian pay calculator

Work out your take-home pay in seconds. Enter your salary, choose your pay period, and see the breakdown of income tax, Medicare, HECS-HELP and superannuation — updated for the current ATO financial year.

FY 2026–27 ratesStage 3 tax cuts included12% super guaranteeMethodology last reviewed

Pay calculator

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Enter your salary before tax. The calculator handles all the math.

Your take-home pay

Annual
Net pay$67,280.30
Gross$85,000.00
Taxable income$85,000.00
PAYG income tax−$16,019.70
Medicare levy−$1,700.00
Superannuation (employer, on top)$10,200.00
Effective tax: 20.8%Marginal rate: 30%

How the calculation works

Australian income tax is progressive — different rates apply to different portions of your income, not a single flat rate on the whole amount. Here is the actual calculation, with numbers, for someone earning $85,000 in FY 2026–27.

Step-by-step for $85,000 annual

FY 2026–27
  1. 1. Start with gross pay$85,000.00
  2. 2. Subtract pre-tax salary sacrifice$0.00
  3. 3. Taxable income$85,000.00
  4. 4. Income tax (bracket method)$16,020.00
  5. 0% on $0–$18,200 + 15% on $18,201–$45,000 + 30% on $45,001–$85,000
  6. 5. Less LITO (phased out above $66,667)$0.00
  7. 6. Medicare levy (2%)$1,700.00
  8. 7. HECS-HELP repayment (not enabled)$0.00
  9. Net take-home$67,280.00 / yr
  10. Plus employer super 12% (paid on top, not deducted)$10,200.00 / yr

Where the money goes

$85,000 gross split into take-home, tax, and super.

Net take-home 79.2%
Income tax 18.8%
Medicare 2.0%
  • Net take-home$67,280
  • Income tax$16,020
  • Medicare levy$1,700
  • Super (employer, on top)$10,200
Effective tax rate: 20.85% (income tax + Medicare on gross).

What about PAYG withholding?

Employers use a separate formula published in ATO Schedule 1 (NAT 1004) to work out how much to withhold from each pay. The formula uses weekly-equivalent earnings and small rounding coefficients, which is why your payslip can show a slightly different number to a "what tax will I pay" calculation. The withholding method intentionally collects slightly more or less than the actual tax so the difference gets reconciled when you lodge your return. This calculator shows the actual annual tax, which is what most people mean by "how much tax will I pay on $X".

All the ways to calculate your pay

People search for this calculation under a dozen different names — wage calculator, paycheck calculator, salary calculator, annual income calculator, take home pay calculator, online payroll calculator. They are all the same problem: how much of what I earn actually lands in my bank account. What changes is the framing, not the math.

  • Wage calculator / hourly wage calculator / hourly to salary calculator — for people paid by the hour. Enter your hourly rate, set hours per week and weeks per year, and the calculator annualises the rest.
  • Salary calculator / annual salary calculator / annual income calculator — for salaried employees. Enter your package as an annual figure and the calculator shows the monthly, fortnightly and weekly take-home equivalents.
  • Paycheck calculator / take home pay calculator — for the everyday question of "how much is in my next pay". The same calculation, but the calculator shows the per-period number prominently.
  • Payroll calculator / online payroll calculator / payroll hours calculator / payroll taxes calculator — the same math, from the employer\u2019s side. Your employer\u2019s payroll software applies the same PAYG withholding rules to every pay, which is why the per-period number is what arrives in your bank.
  • Salary comparison — for people weighing two job offers. The calculator makes it easy to enter each offer and see the after-tax, after-super comparison.
  • Holiday entitlement calculator — annual leave is paid at the ordinary rate (casuals receive 25% casual loading instead of paid leave). The main calculator shows your take-home per pay; the annual leave component is just your ordinary rate multiplied by the hours of leave accrued.

The calculator above is set up to handle all of these. Pick a pay period (hourly, daily, weekly, fortnightly, monthly or annual), enter the gross, and the math is the same.

All calculators

One for every common Australian pay scenario. All use the same ATO-sourced math.

Guides

Long-form explainers to help you understand the numbers and make better decisions.

See all guides →

Frequently asked questions

How accurate is this pay calculator?

The calculator applies the Australian Taxation Office resident and non-resident income tax brackets, the Medicare levy (with low-income shade-in), the Low Income Tax Offset (LITO), and the current HECS-HELP repayment schedule. Every rate and threshold links to the original ATO source on our methodology page. Results should match a payslip to within a few dollars; small differences are usually due to the PAYG withholding formula using weekly-equivalent coefficients and rounding that gets reconciled at tax time.

How much tax will I pay on $80,000?

For FY 2026–27, on a $80,000 annual salary you pay $14,520 in income tax plus $1,600 Medicare levy — a net take-home of about $63,880 per year, or around $2,457 per fortnight. Use the calculator above for the exact figure for your situation. Employer super of $9,600 (12%) is paid on top.

Does this include superannuation?

Yes. The Superannuation Guarantee is shown as a separate line — it is an employer cost paid on top of your salary, not a deduction from your take-home pay. If your offer is a Total Employment Cost that includes super, tick "My gross includes super" and the calculator will peel super off the top before computing tax.

How is HECS-HELP repayment calculated?

From 1 July 2025 HECS-HELP uses a marginal bracket system — you only pay the higher rate on income above each threshold, not on your whole income. For FY 2026–27 the threshold is around $69,528. Tick the "I have a HECS-HELP debt" option in the calculator to see the impact on your take-home pay.

Is this financial advice?

No. SalaryCalc provides estimates only based on published ATO rates. It is not a substitute for advice from a registered tax agent or financial adviser. See our disclaimer for the full statement.

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