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Compare job offers by what actually lands in your pocket — not the headline salary
Put two or three offers side by side with their super, sign-on bonus and expected raises. We resolve each to after-tax take-home and project the trajectories, so you can see when a lower offer with faster growth overtakes a higher one.
Your situation
Enter the base salary to see this offer's take-home pay.
Enter the base salary to see this offer's take-home pay.
Enter a base salary on at least two offers to compare them — or see it in action first:
This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.
Two offers that look $5,000 apart on paper can be much closer after tax — or further apart once super, bonuses and raises are counted. Because income tax is progressive, each extra dollar of a higher offer is taxed at your top marginal rate, so headline gaps always shrink after tax. Meanwhile a higher super rate adds value you can't spend today, and a sign-on bonus is one-off cash that's fully taxed.
This tool resolves every component to a single comparable number — after-tax cash in your pocket — and then projects each offer forward with its own raise assumption. That trajectory view matters: a role that starts $6,000 lower but grows 9% a year overtakes a flat role surprisingly fast, and the crossover year is exactly the kind of thing worth knowing before you accept.
Neither on its own. Salary ignores super differences and package figures hide that super isn't spendable. Comparing after-tax take-home puts every offer on the same footing, with the super gap shown separately so you can weigh cash today against retirement savings.
It's ordinary income, taxed at your marginal rate in the year you receive it. We add it to year-1 income and tax the total, which is what your annual assessment does. A $10,000 sign-on bonus is typically worth $6,000–$7,000 in hand for a middle-income earner.
If the employer has a stated review cycle or band progression, use that. Otherwise Australian wages have grown roughly 3–4% a year recently, so 3% is a sensible floor for a flat role; use more only where there's a concrete promotion path. The point of the field is to test how sensitive the winner is to growth — try both a low and high case.
Dollar for dollar, super above the guarantee is usually worth more than salary because it's taxed at 15% going in rather than your marginal rate — but you can't touch it until preservation age. If the offers are close on take-home, the higher-super offer is often the better total deal for anyone not needing the cash now.
Yes — tick the HELP debt box and each offer's repayment is calculated from its own income, including bonuses. A higher offer can push you into a higher repayment band, which is part of why after-tax gaps are smaller than gross ones.
Rates checked against the ATO, verified 11 September 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.
This calculator exists to show you the arithmetic. It applies published Australian rates, thresholds and formulas to the numbers you enter and shows the working, so you can check it. That is all it does — it produces a number and describes what the number is. It does not recommend anything and it holds no opinion about any financial product.
What can move this result
This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.