Live calculator
Salary Package Calculator Australia
Estimate how a salary package in Australia may change cash salary, super treatment and after-tax take-home pay.
Annual breakdown
Visual split of annual cash income after modelled tax, repayments and deductions.
Take-home
78.6%$70,194
Income tax
19.4%$17,306
Medicare
2%$1,786
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
$44,286 at 30% = $13,286
Take-home by frequency
Annual
$70,194
Monthly
$5,850
Fortnightly
$2,700
Weekly
$1,350
Hourly
$35.52
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
$70,194
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.
- The entered package is treated as including employer super.
- 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.
How to use this page
Some people search for salary package calculator and some search for salary packaging calculator. This page is built for the same real decision: what reaches your bank account after package wording, super and tax are accounted for.
Use package mode if the headline number may include super, then compare it with a plus-super offer before judging the real cash difference.
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
Frequently asked questions
Is salary package the same as salary packaging?
In everyday searching, people usually mean the same general idea. The important part is whether the number includes super and what reaches your bank account.
Can this help with offer comparison?
Yes. It is especially useful when one offer says package and another says plus super, because the take-home result can differ materially.