Live calculator

Salary Packaging Calculator Australia

Estimate how salary packaging or a package including super may change Australian take-home pay.

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

$2,700

per fortnightly

Annual net

$70,194

Retained

78.6%

MLS estimate

Div 293 estimate

Estimate summary

On a gross cash salary of $89,286, your estimated take-home pay is $70,194 per year, or $2,700 fortnightly. This regular-pay estimate includes income tax and the standard Medicare levy. No HELP repayment is included. You keep about 78.6% of gross cash pay after the modelled deductions. Your marginal tax rate is 30%, while your effective tax rate is 21.4%. Because the package is set as super-inclusive, the cash salary is separated from employer super before tax is calculated.

Effective tax rate21.4%Employer super$10,714Budget after child support$2,700

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 keep78.6%$70,194

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

$1,786

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

$44,286 at 30% = $13,286

Gross cash income$89,286

Taxable income$89,286

HELP repayment income$89,286

Income tax-$17,306

Medicare levy-$1,786

HELP repayment-$0

Salary sacrifice to super-$0

Novated lease pre-tax-$0

Novated lease post-tax-$0

Other deductions-$0

Net income$70,194

Budget after child support$70,194

MLS annual estimate-$0

Division 293 annual estimate-$0

Employer super$10,714

Concessional super total$10,714

Total package$100,000

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

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

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.

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 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.