Live calculator
Australian Pay Calculator
Estimate Australian take-home pay, income tax, Medicare levy, HELP repayments and employer super.
Current Australian tax year
No account needed
Plain-English assumptions
Annual breakdown
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%$2,000
HELP
0%$0
Deductions
0%$0
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
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
$0
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.
Understand the result
What each pay number is telling you
A useful pay estimate separates cash pay, tax, study-loan repayments and employer super. That stops one large salary number from hiding what may actually reach your bank account.
Gross pay
Your income before tax, Medicare, HELP and supported deductions.
Estimated tax
Annual income tax under the selected resident or foreign-resident settings.
HELP repayment
A separate compulsory study-loan estimate when you switch HELP on.
Take-home pay
The planning estimate left after the deductions the calculator supports.
Worked example
$100,000 salary: start with the gross pay cycle
Before deductions, $100,000 a year is about $8,333 a month, $3,846 a fortnight or $1,923 a week. The calculator then applies the selected financial-year tax settings, Medicare assumption and HELP setting to estimate take-home pay. Employer super is shown separately because it normally goes to your super fund, not your bank account.
Check before deciding
- Confirm whether the advertised salary is plus super or includes super.
- Use the pay frequency that matches how the income amount was quoted.
- Switch HELP on only if you have a relevant study or training loan.
- Compare the estimate with a real payslip before making a tight budget.
How to use this page
Use the live calculator to estimate how much of your gross pay may reach your bank account.
Enter your income, choose a frequency and adjust HELP or super settings.
When this calculator is useful
checking pay calculator before you accept a job offer
turning a big annual number into weekly, fortnightly and monthly cashflow
spotting whether HELP debt, super wording or deductions may change the result
What this estimate includes
Australian financial-year tax brackets
Standard Medicare levy assumption
HELP repayment toggle
Employer super shown separately
Annual, monthly, fortnightly and weekly views
Plain-English assumptions and trace
Before you rely on the number
- Start with your gross pay before tax.
- Check whether the number includes employer super.
- Switch on HELP only if compulsory study debt repayments apply.
- Compare the annual result with weekly, fortnightly and monthly views.
- Use the methodology page if you want to see the calculation order.
Frequently asked questions
Does this calculator include super?
Employer super is shown separately from take-home pay because it is usually paid into a super fund.
Can I calculate HELP repayments?
Yes. Turn on the HELP debt setting to include compulsory study loan repayment rates for the selected financial year.