Loading calculator…
The award minimum wage from 1 July 2026 is $26.44 an hour ($1,004.90 a week for a 38-hour week). Enter your award, classification and hours to work out your penalty rates, casual loading and overtime — then see your actual take-home pay after tax, the figure the official Fair Work PACT tool and other award calculators leave out.
Casual loading of 25% is added to your ordinary hours.
Level 1 — Retail Employee — General Retail Industry Award (MA000004). Prefilled from the 1 July 2026 pay guide; edit to match your exact rate.
A full-time week is 38 hours.
Penalty & overtime hours (optional)
The evening penalty applies to ordinary hours worked after 6pm Monday to Friday.
Weekly gross
$1,043
30 hrs · $34.76/hr ordinary
Annual gross
$54,229
at 52 weeks
Take-home pay after tax (2026–27)
Per week
$891
Per year
$46,356
You keep about 85% of your gross. Assumes an Australian resident claiming the tax-free threshold with private hospital cover and no HELP/HECS debt.
| Rate type | Multiplier | $/hr | Hours | Amount |
|---|---|---|---|---|
| Ordinary hours | ×1.25 | $34.76 | 30 | $1,042.87 |
| Weekly gross | 30 | $1,042.87 |
A casual Retail Employee Level 1 ($27.81 base) works 20 ordinary hours and an 8-hour Sunday shift.
Ordinary hours pay $34.76 (base + 25% casual loading) and Sunday hours pay $48.67 (175%). That is $695.25 + $389.34 = $1,084.59 a week, about $56,399 a year gross.
A full-time Hospitality Level 3 ($27.97 base) works a standard 38-hour week plus one 8-hour public holiday.
The public-holiday hours pay $62.93 (225%). The week is about $1,566.32, and this calculator then shows the income tax and Medicare levy taken out so you see what actually lands in your account.
Penalty rates are higher pay for working evenings, weekends, public holidays or overtime. Each modern award sets its own multipliers — for example, many awards pay 150% on Sundays and 225% on public holidays for permanent staff, with casual loading added on top. Enter your penalty hours above and this calculator applies your award's multipliers to your base rate, then rolls them into your weekly and annual pay. The multipliers are editable if you are on an unusual classification or a registered agreement.
From 1 July 2026 the national minimum wage is $26.44 an hour, or $1,004.90 for a 38-hour week — the first time it has passed $1,000 a week. Casual employees on the national minimum wage receive at least $33.05 an hour including the 25% casual loading. Modern award minimum wages rose 4.75%, with the lowest ongoing classification lifted to the $26.44 floor. Select an award above to see the exact rate for your classification.
Casual employees are paid a loading — usually 25% — on top of the equivalent permanent hourly rate, in place of paid leave. On this calculator the loading is added to your ordinary hours, and casual penalty rates already include it (so a casual Saturday at 150% is the 125% penalty plus the 25% loading). Casual loading is taxed the same as ordinary pay — it is not a special rate.
PACT is the Fair Work Ombudsman's official Pay and Conditions Tool. It is the authority for base award rates, allowances and penalty rates, and you should use it to confirm your exact entitlements. What PACT does not show is your take-home pay — it stops at the gross figure. This calculator is the after-tax companion: it uses the same 1 July 2026 award rates, then applies income tax and the Medicare levy so you can see what you actually keep. Always verify your award and classification on fairwork.gov.au.
Award rates are the adult minimum wages effective 1 July 2026 from the Fair Work Commission annual wage review and the Fair Work pay guides. Verify your award and classification below.
Your pay starts with the award minimum wage for your classification. Casual employees add a loading (usually 25%) in place of leave entitlements.
On top of that, awards pay penalty rates for less-sociable hours — evenings, Saturdays, Sundays and public holidays — and overtime rates when you work beyond ordinary hours. Each award sets its own multipliers, applied to your ordinary base rate.
This calculator adds those up to a weekly and annual gross, then runs it through the current ATO tax rates so you see your take-home pay — not just the gross figure other award calculators stop at.
ATO rates checked against official sources — verified 19 July 2026
Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.
Rates and thresholds last updated for the 2026–27 financial year.