Australia Pay Calculator
See your pay after tax. This Australian pay and salary calculator turns your gross salary into take-home pay for the 2026-27 financial year, after PAYG income tax, the Medicare levy and HECS/HELP, with superannuation shown on top. Results are given per year, month, fortnight and week.
How the pay calculator works
Exactly what the calculator does with your salary, and every assumption it makes along the way.
How we work out your take-home pay
Every rate and threshold below comes from the Australian Taxation Office and applies to the 2026-27 financial year (1 July 2026 to 30 June 2027), last checked on . Anything outside the calculation is listed with your result as a stated exclusion.
Step by step
- We start with your annual gross salary, before tax and before super.
- The first $18,200 is tax-free. Income tax is then applied on the 2026-27 resident brackets: 15% to $45,000, 30% to $135,000, 37% to $190,000, then 45%.
- The Low Income Tax Offset (up to $700) is applied, reducing tax for incomes under about $66,700.
- The Medicare levy of 2% of taxable income is added, with a shade-in between roughly $28,000 and $35,000 and nothing below that for singles.
- If you are repaying a HECS/HELP loan, the compulsory repayment is worked out on income above $69,528: 15c per dollar to $129,717, then 17c per dollar above that.
- PAYG income tax, the Medicare levy and any HECS/HELP repayment come off your gross salary. What is left is your take-home pay, shown per year, month, fortnight and week.
- Superannuation is not deducted. Your employer pays the 12% Super Guarantee on top of your salary, into your fund.
Assumptions we make
- You are an Australian tax resident for the full financial year on a standard employment contract, not a sole trader or contractor;
- You are single with no dependants, for the Medicare levy shade-in and low-income thresholds;
- Only the Low Income Tax Offset is applied; other offsets and deductions are left out;
- The Medicare Levy Surcharge and private health rebate are not included;
- Employer superannuation is paid on top of your salary and is not part of take-home pay;
- Pay is spread evenly across the year rather than per pay run, so it will differ slightly from the PAYG withheld on each payslip.
When this is the wrong tool
The calculator assumes you are a resident employee for the whole year. If you are a working holiday maker, a non-resident, moved to or from Australia mid-year, are a sole trader, or take a large part of your pay as a bonus or shares, the figure will be off. Your actual PAYG is reconciled when you lodge your tax return.
| Gross salary | $100,000 |
|---|---|
| PAYG income tax | $20,520 |
| Medicare levy | $2,000 |
| Take-home pay | $77,480 |
| Average tax rate | 22.5% |
| Superannuation (paid on top) | $12,000 |
What each field means
Each field below carries a definition and the effect it has on the calculated figure.
Gross (pre-tax) income
Your salary before PAYG tax and the Medicare levy, and before super. If a job ad says “$90,000 + super”, enter $90,000.
Every figure in the result is derived from this. Enter it yearly, monthly, fortnightly or weekly and we’ll convert it.
Tax year
The financial year covered by this calculation (2026-27, ending 30 June 2027).
Rates, thresholds and the HECS/HELP repayment brackets are set per financial year.
Australian tax resident?
Whether you are a resident for tax purposes for the year.
Residents get the $18,200 tax-free threshold. Non-residents and working holiday makers pay from the first dollar at different rates.
Repaying a HELP/HECS loan?
Whether you have a study or training loan (HELP, HECS, VET Student Loan, SFSS).
Turns on the compulsory repayment, withheld alongside PAYG once your income passes $69,528 for 2026-27.
Salary-sacrificed super (optional)
Extra pre-tax super you send from your salary, on top of the compulsory 12%.
Salary sacrifice reduces your taxable income, so it lowers PAYG tax and take-home pay.
Understanding your Australian pay: PAYG, super, Medicare and HECS
PAYG income tax and the Medicare levy
Australian employers withhold tax from every pay under the PAYG (Pay As You Go) system and send it straight to the ATO. It is reconciled when you lodge your return after 30 June, which is why a refund or bill is common. The financial year runs 1 July to 30 June, so 2026-27 means 1 July 2026 to 30 June 2027.
The 2026-27 resident brackets, after the Stage 3 changes, are:
| Taxable income | Rate on this band |
|---|---|
| $0 to $18,200 | Nil |
| $18,201 to $45,000 | 15% |
| $45,001 to $135,000 | 30% |
| $135,001 to $190,000 | 37% |
| $190,001 and over | 45% |
The 15% rate dropped from 16% on 1 July 2026 and is legislated to fall again to 14% from 1 July 2027. On top of income tax, the Medicare levy is 2% of taxable income, with a low-income shade-in and a full exemption for singles below about $28,000.
Superannuation is paid on top
Since 1 July 2025 the Super Guarantee has been 12%, and it is paid by your employer on top of your salary, not taken out of it. On a $100,000 salary that is $12,000 of super a year going into your fund, and your take-home pay is worked out on the $100,000. Always check whether a job offer is quoted inclusive or exclusive of super. Extra contributions you salary-sacrifice from your pay do reduce your taxable income and your take-home pay.
HECS and HELP repayments
If you have a HECS/HELP study loan, your employer withholds an estimated compulsory repayment alongside PAYG tax. Since 1 July 2025 it is worked out marginally on the income above the threshold, not on your whole income. For 2026-27 you repay nothing below $69,528, then 15c per dollar to $129,717, then 17c per dollar above that. The ATO applies the amount withheld to your loan balance when you lodge your return.
| Salary | Compulsory repayment per year |
|---|---|
| $70,000 | $71 |
| $80,000 | $1,571 |
| $90,000 | $3,071 |
| $100,000 | $4,571 |
| $110,000 | $6,071 |
| $130,000 | $9,076 |
Pay after tax by salary
Take-home pay for a resident employee on 2026-27 rates, with no HECS/HELP and no salary sacrifice. Superannuation is the 12% your employer pays on top. Enter your own figure above for an exact result.
| Salary | Take-home per year | Take-home per month | Super (on top) |
|---|---|---|---|
| $50,000 | $43,730 | $3,644 | $6,000 |
| $60,000 | $50,380 | $4,198 | $7,200 |
| $70,000 | $57,080 | $4,757 | $8,400 |
| $80,000 | $63,880 | $5,323 | $9,600 |
| $90,000 | $70,680 | $5,890 | $10,800 |
| $100,000 | $77,480 | $6,457 | $12,000 |
| $120,000 | $91,080 | $7,590 | $14,400 |
| $150,000 | $110,430 | $9,203 | $18,000 |
| $200,000 | $140,130 | $11,678 | $24,000 |
Australia pay calculator FAQs
How do I calculate my pay after tax in Australia?
Take your gross salary, apply the 2026-27 tax brackets above the $18,200 tax-free threshold, subtract the Low Income Tax Offset, then add the 2% Medicare levy and any HECS/HELP repayment. This calculator does all of that once you enter your salary, and shows take-home pay per year, month, fortnight and week, with super listed separately.
Is superannuation included in take-home pay?
No. The 12% Super Guarantee is paid by your employer on top of your salary and goes straight to your super fund, so it does not reduce take-home pay. Only extra super you choose to salary-sacrifice from your pay reduces your taxable income and your take-home.
What is PAYG?
PAYG (Pay As You Go) is how Australian employers withhold income tax. A portion of each pay is held back and sent to the ATO on your behalf, so tax is paid gradually through the year. When you lodge your return after 30 June, the ATO compares what was withheld against what you actually owe and issues a refund or a bill.
How much is $100,000 after tax in Australia?
About $77,480 a year, or roughly $6,457 a month, for a resident with no HECS/HELP debt in 2026-27. That is after $20,520 in PAYG income tax and $2,000 in Medicare levy, an average tax rate of 22.5%. Your employer also pays $12,000 in super on top.
How much HECS/HELP do I repay?
Since 1 July 2025 repayments are marginal. For 2026-27 you repay nothing on income up to $69,528, then 15c per dollar between $69,528 and $129,717, then 17c per dollar above $129,717. So on a $90,000 salary the compulsory repayment is about $3,071 for the year, withheld through PAYG and applied to your loan at tax time.
What are the 2026-27 tax brackets?
Nil to $18,200, then 15% to $45,000, 30% to $135,000, 37% to $190,000 and 45% above. The 15% rate replaced the old 16% rate on 1 July 2026 and is legislated to fall to 14% from 1 July 2027. The financial year runs 1 July to 30 June.