Simple Australian pay tools

Work out your pay, tax and next money move with less guesswork.

Use clear calculators for take-home pay, job offers, pay rises, salary sacrifice, leave payouts and redundancy planning.

Start with pay calculator Read the guides

Simple Australian language

Weekly, fortnightly and annual views

Helpful guides linked to each tool

Clear warnings where detailed rules are not live yet

Most-used paths

Check your take-home pay

Enter your pay and see what may hit your bank account after tax, Medicare and HELP.

Compare two job offers

See the real difference between two salary numbers instead of guessing from gross pay.

Plan a leave payout or redundancy

Use the planning pages to understand what matters before you rely on a final number.

Most people start here

Enter your gross pay, choose how often that number is paid, then check the after-tax result in weekly, fortnightly, monthly or annual view.

Enter your pay$How this number is paid

Show result asFinancial yearResidencyEmployment basis

HELP, VSL or study debtInclude compulsory repayment thresholds for the selected year.Salary package includes employer superSeparate cash salary from super before tax is estimated.

Advanced options(salary sacrifice, novated lease, partner income, MLS, Div 293)Open this if your payslip has packaging, deductions, HELP debt or household Medicare settings.

Other pre-tax deductions$Other post-tax deductions$Salary sacrifice to super$Extra reportable super$Novated lease pre-tax$Novated lease post-tax$Household typePartner income$DependantsChild support paid$Child support received$Medicare levy exemptionUse only if you know an exemption applies.Private hospital coverUsed for the annual Medicare levy surcharge estimate.

Division 293 and Medicare levy surcharge are shown as annual tax-time estimates. They are not removed from regular take-home pay because payroll usually does not withhold them as ordinary fortnightly tax.

Estimated take-home pay

$2,980

per fortnightly

Annual net

$77,480

Retained

77.5%

MLS estimate

Div 293 estimate

Estimate summary

On a gross cash salary of $100,000, your estimated take-home pay is $77,480 per year, or $2,980 fortnightly. This regular-pay estimate includes income tax and the standard Medicare levy. No HELP repayment is included. You keep about 77.5% of gross cash pay after the modelled deductions. Your marginal tax rate is 30%, while your effective tax rate is 22.5%. Employer super is shown separately because it is normally paid into your super fund rather than your bank account.

Effective tax rate22.5%Employer super$12,000Budget after child support$2,980

Use this as a planning number. Your real payslip can move if payroll settings, deductions, private health, or study debt details differ.

Annual breakdown

You keep77.5%$77,480

Visual split of annual cash income after modelled tax, repayments and deductions.

Take-home

77.5%

$77,480

Income tax

20.5%

$20,520

Medicare

$2,000

HELP

Deductions

Tax band visual

This shows how much of your taxable income falls into each marginal tax band before Medicare, HELP and other adjustments.

$0-$18,200

$18,200 at 0% = $0

$18,200-$45,000

$26,800 at 15% = $4,020

$45,000-$135,000

$55,000 at 30% = $16,500

Gross cash income$100,000

Taxable income$100,000

HELP repayment income$100,000

Income tax-$20,520

Medicare levy-$2,000

HELP repayment-$0

Salary sacrifice to super-$0

Novated lease pre-tax-$0

Novated lease post-tax-$0

Other deductions-$0

Net income$77,480

Budget after child support$77,480

MLS annual estimate-$0

Division 293 annual estimate-$0

Employer super$12,000

Concessional super total$12,000

Total package$112,000

Take-home by frequency

Annual

$77,480

Monthly

$6,457

Fortnightly

$2,980

Weekly

$1,490

Hourly

$39.21

Advanced scenario insights

What changes the real-world result?

Salary packaging

Not added

Add salary sacrifice, reportable super or novated lease deductions to test a packaged-pay scenario.

Tax-time liabilities

No MLS or Division 293 estimate is currently triggered by the inputs.

Household cashflow

$77,480

Add partner income or child support cashflow to make the result more household-aware.

Next frontier

Centrelink, child support assessments and support-service eligibility use detailed rules beyond a salary calculator. This page now gives the wage, tax and household-cashflow side of the picture, and the support-payment scenario tool should build on these inputs next.

Assumptions and trace

2026-27 Australian financial year.
Australian resident tax rates are used.
Standard 2% Medicare levy applied. Low-income reductions, exemptions and surcharge are not modelled in this first release.
No HELP, VSL, SSL or similar study debt repayment is included.
Employer super is shown separately from bank-account pay.
No salary sacrifice to super is included.
No novated lease deduction is included.
Medicare levy surcharge and Division 293 are shown as annual tax-time estimates and are not subtracted from regular take-home pay.
No child support cashflow is included.
Offsets, Centrelink income tests, family tax benefits and detailed private health insurance rules are not yet fully modelled.

Input annualised

Converted from the entered income frequency.

Tax bracket

Applies above $45,000.

Income tax

Calculated from the selected financial-year tax brackets.

Medicare levy

Standard 2% Medicare levy applied. Low-income reductions, exemptions and surcharge are not modelled in this first release.

HELP repayment

Not applied.

MLS estimate

Annual Medicare levy surcharge estimate only; not deducted from regular pay.

Division 293 estimate

Annual estimate for high-income concessional super contributions.

Employer super

Shown separately because it usually goes to a super fund.

Popular search paths

Start with the questions people actually search

These pages are built for people checking a raise, a job offer, or whether a salary number really means what it sounds like.

How much tax do you pay on a pay rise?

See why the after-tax increase is smaller than the headline salary jump.

Is $100k a good salary in Australia?

Check the after-tax reality before you judge the number on its own.

Compare salaries after tax

Use the side-by-side tool for job offers, raises and package decisions.

$100,000 after tax in Australia

Jump straight to one of the most useful salary example pages.

Leave payout

Annual leave payout planning

Understand what details matter before you estimate unused leave, loading or final-pay tax.

Redundancy pay

Redundancy payout planning

Get a safer starting point for genuine redundancy, notice pay and termination questions.

Plain-English help

Why the after-tax number matters

Read the quick guides if you want the meaning behind the numbers, not just another form.

Job offer mode

Comparing two salary numbers?

Use the side-by-side salary comparison tool to see the annual, monthly and fortnightly difference after tax.

Compare salaries

Related calculators

Salary calculator

Convert an annual Australian salary into estimated yearly, monthly, fortnightly and weekly take-home pay.

Salary to hourly

Convert an annual salary into an estimated hourly rate and hourly take-home pay in Australia.

Hourly to salary

Annualise an hourly rate and estimate Australian take-home pay from hourly work.

Pay rise

Estimate what a new salary may mean after Australian income tax, Medicare levy and HELP repayments.

Bonus tax

Estimate the annual tax impact of bonus or commission income in Australia.

HELP debt

Estimate compulsory HELP, VSL, SSL or study debt repayments from Australian income.

Salary sacrifice

Estimate how a simple annual salary sacrifice or pre-tax deduction may change Australian take-home pay.

Super calculator

Estimate employer super contributions and separate super from take-home pay.

Common salary examples

$40,000 salary

$35,930 estimated after tax

$60,000 salary

$50,280 estimated after tax

$80,000 salary

$63,880 estimated after tax

$100,000 salary

$77,480 estimated after tax

$120,000 salary

$91,080 estimated after tax

$150,000 salary

$110,430 estimated after tax

$180,000 salary

$128,730 estimated after tax

$200,000 salary

$140,130 estimated after tax

Frequently asked questions

Is this an ATO calculator?

No. PayCalculator.online is independent and is not affiliated with the Australian Taxation Office or any government agency.

Does the estimate include Medicare levy?

Yes, the first release applies the standard 2% Medicare levy for Australian residents and clearly discloses that low-income reductions, surcharge and household settings are not fully modelled.

Does employer super reach my bank account?

Usually no. Employer super is normally paid to your super fund, so it is shown separately from take-home pay.

Are exact salaries sent to analytics?

The first release does not add analytics tracking. Future analytics should avoid sending exact salary values.