Live calculator
Salary Packaging Calculator Australia
Estimate how salary packaging or a package including super may change Australian take-home pay.
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
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.
Compare package wording
“$120,000 package” may not mean a $120,000 cash salary
Salary packaging pages are most useful when they expose what is inside the headline number. Start by separating cash salary from employer super, then consider any optional benefits or salary-sacrifice arrangement.
Cash salary
The gross amount available for ordinary pay before personal tax.
Employer super
The employer contribution paid to super rather than your bank account.
Packaged benefits
Benefits may have fees, limits or fringe-benefits treatment not modelled here.
Take-home estimate
Cash salary after the calculator’s supported tax and repayment settings.
Worked example
A simple package-including-super example
If a $120,000 package consists only of cash salary plus 12% employer super, the simplified cash salary is about $107,143 and employer super is about $12,857. A $120,000 salary plus super starts from the full $120,000 cash salary instead. Real packages can include other benefits, fees or employer rules, so check the written breakdown.
Check before deciding
- Ask the employer for the package breakdown in dollars.
- Confirm whether bonuses and allowances sit inside or outside the package.
- Check administration fees and employer-specific benefit rules.
- Compare both offers using cash salary and take-home pay, not headline value alone.
How to use this page
Salary packaging sounds simple until you need to know what reaches your bank account. This page helps you compare package wording with real take-home pay.
Use package mode if the advertised number includes employer super, then compare the take-home result with a plus-super salary.
When this calculator is useful
checking salary packaging 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
Is salary packaging the same as salary sacrifice?
Not always. Salary sacrifice is one type of pre-tax arrangement, while salary packaging can also involve super, benefits and employer-specific rules.
Why is package wording so important?
A salary package including super can produce lower cash salary than a plus-super offer with the same headline number.