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A fast, ATO-aligned estimate of your take-home pay in Australia
Tax, Medicare levy, HELP/HECS repayments, super, salary sacrifice, bonuses and overtime, including the $1,000 standard deduction for work-related expenses that applies from 2026–27. Rates and thresholds are based on ATO data — see official sources below to verify.
Official sources: ATO – Tax rates and codes · ATO – Super rates and thresholds · ATO – Simple tax calculator
Your personal situation affects your tax obligations
Check your Australian tax residency status if unsure
Uncheck if this is a second job and you already claim the threshold elsewhere (your employer will withhold more tax from each pay).
Do you have an outstanding student loan?
This may help you avoid the Medicare Levy Surcharge
Check if you are fully exempt from Medicare levy. When checked, no Medicare levy or surcharge is applied. Temporary visa holders who are not entitled to Medicare claim this with a Medicare Entitlement Statement from Services Australia.
Use these features to customise the calculations to your circumstances
Annual amount contributed to super from pre-tax salary
Car and travel, tools and equipment, uniforms and laundry, self-education and working-from-home costs
You have claimed nothing here, and you do not need to: the standard deduction gives you $1,000 for work-related expenses automatically. Only a claim above $1,000 changes your tax.
Gifts and donations, personal super contributions you claim a deduction for, investment and interest expenses, and the cost of managing your tax affairs. Union and professional association fees and income protection premiums belong here too — the law sets them aside, so they add to the standard deduction instead of using it up.
Annual pre-tax lease payments (reduces taxable income). If the car is an FBT-exempt EV, fill in the reportable amount below too — the two move your HELP repayment in opposite directions.
The reportable fringe benefits amount from your income statement. It does not add to your taxable income or your income tax, but it counts towards HELP repayment income and the Medicare levy surcharge. An exempt EV lease still reports one; a petrol lease using the employee contribution method usually reports nil.
How your taxable income was worked out
Deductions
Annual amounts — same as PAYG withholding (income tax, Medicare and HELP), plus anything taken from your pay before tax.
Matches how you entered your pay
Annual total
$50,715 per year
Equivalent per period
Paid by your employer in addition to your salary
Effective marginal rate
On the next $1 of taxable income you would pay about 33.5c in tax and related deductions (income tax, Medicare, HELP if applicable). Useful for comparing salary vs extra deductions or salary sacrifice.
This calculator is for estimation only and uses current ATO rates. It does not constitute tax or financial advice. Your actual take-home pay depends on your full circumstances. For personalised advice, consult a registered tax agent or financial adviser.
The same 2026–27 tax, Medicare levy and take-home figures split across the pay cycles people are actually paid on. These assume no HELP/HECS debt and that you claim the tax-free threshold, and they include the $1,000 standard deduction for work-related expenses that every employee now gets whether or not they claim anything.
| Salary | Yearly | Weekly | Fortnightly | Monthly |
|---|---|---|---|---|
| $60,000 | $50,715 | $975 | $1,951 | $4,226 |
| $80,000 | $64,200 | $1,235 | $2,469 | $5,350 |
| $100,000 | $77,800 | $1,496 | $2,992 | $6,483 |
| $120,000 | $91,400 | $1,758 | $3,515 | $7,617 |
| $150,000 | $110,820 | $2,131 | $4,262 | $9,235 |
Two things make your actual payslip differ slightly from these. Your employer withholds using the ATO's PAYG tax tables, which round to whole dollars each pay rather than dividing an annual figure — so small differences are normal and square up when you lodge. And some financial years contain 53 weekly or 27 fortnightly paydays instead of 52 or 26; in those years the tables can under-withhold slightly across the year, which is a common reason for an unexpected bill.
Australia uses a progressive tax system where your income is taxed at increasing rates as it moves through different brackets. The first $18,200 is tax-free for residents who claim the tax-free threshold.
Your employer withholds tax from each pay (PAYG withholding) based on ATO tax tables. The final amount is reconciled when you lodge your tax return. This calculator estimates your annual position based on current ATO rates.
Rates checked against the ATO — verified 18 August 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.
See the full income tax and take-home breakdown for common Australian salaries.
Typical salary and take-home pay for common Australian jobs — from entry-level to senior.