Australian take-home pay

TaxPayCalculator

Estimate Australian take-home pay using current ATO rates for income tax, Medicare, HELP/HECS and super — from hourly through to annual.

Calculate take-home pay How it works

2026–27 ATO rates · results update as you type

Estimated net share

78%

$74,080.00 net per year

Enter your salary

How it works

Estimate take-home pay in three steps

1
Enter your income
Choose a salary preset or enter your own amount and pay frequency.
2
Add your circumstances
Include HELP/HECS, private health cover, overtime or a second job as needed.
3
Review the breakdown
See tax, Medicare, super and net pay by week, fortnight, month or year.

Step 1 · Income

Your income

Select a preset or enter an amount. Results update automatically.

Tax year

Salary

How are you paid?

Part-time / pro-rataScale a full-time equivalent salary by weekly hours (of 38)

Overtime (optional)

OT hours / week

Uses your ordinary hourly rate × loading. Added to taxable pay; not counted toward employer super (OTE). Check overtime rates in your Fair Work award.

Tax residency

Step 2 · Circumstances

Salary includes superPackage amount already includes the super guarantee

HELP / HECS debtCompulsory student loan repayments

Private hospital coverAvoids Medicare levy surcharge

No tax-free thresholdClaimed on another job — tax withheld from the first dollar

Step 3 · Take-home pay

$74,080.00

net yearly

78% of gross retained

Net 77.98% Tax 22.02%

Gross salary: $95,000.00
Income tax: −$20,920.00
incl. Medicare: −$1,900.00
Net pay: $74,080.00
Employer super: +$11,400.00
Est. tax return: +$36.00

Employer super / yearly$11,400.0012% of OTE · OT excluded

In super (after 15% tax)$9,690.00/yrPackage $106,400

Pay by period
Gross	Tax	Net	Super
$1,826.92	-$403.00	$1,423.92	$219.23
$3,653.85	-$806.00	$2,847.85	$438.46
$7,916.67	-$1,746.00	$6,170.67	$950.00
$95,000.00	-$20,920.00	$74,080.00	$11,400.00

Estimate only — not your exact payslip. Tax by frequency follows ATO PAYG rules (weekly / fortnightly / monthly Schedule 1; daily casual table; hourly = weekly ÷ hours). Employer super is usually paid on top of cash pay and is based on ordinary time earnings (overtime excluded). Offsets like LITO apply on your return.

Income tax brackets

Australian resident rates for 2026–27. Your taxable income sits at $95,000. Read more in the tax brackets guide, or explore HELP / HECS and Medicare.

Taxable income	Rate	Tax on this bracket
$0 – $18,200	0%	Nil
$18,201 – $45,000	15%	$0 + 15% over $18,200
$45,001 – $135,000	30%	$4,020 + 30% over $45,000
$135,001 – $190,000	37%	$31,020 + 37% over $135,000
$190,001 and over	45%	$51,370 + 45% over $190,000

FAQ

Common questions

Estimates only — not personal tax advice. See also tax brackets, HELP / HECS and Medicare.

Why don’t period figures equal annual ÷ periods exactly?

Each pay frequency uses ATO PAYG formulas: weekly/fortnightly/monthly use Schedule 1 (y = ax − b); daily uses the casual daily method (ignore cents × 5); hourly splits the weekly amount by your hours. Annual figures use full-year tax after offsets like LITO.

Is this the same as my payslip?

Not always. Employers use ATO withholding schedules that can differ slightly from a full-year tax estimate. Use this for planning; your payslip and tax return are the official figures.

Is super taken from my take-home?

Usually no. The Super Guarantee is paid by your employer on top of ordinary time earnings. It is shown separately unless you select “Salary includes super”.

Do you include LITO?

Yes for annual income tax where it applies (taxable income under about $66,667). It reduces income tax only — not Medicare or HELP.

Are my numbers saved?

Your last inputs are stored in this browser only. Use Copy share link to send the same scenario. Nothing is saved to an account.