Australian take-home pay calculator
See your estimated take-home pay in Australia for the current financial year: from your gross salary the calculator applies resident income tax, the Medicare levy and the Low Income Tax Offset, adds any HELP/HECS repayment, and shows superannuation separately — because your employer pays it on top of your wage, never out of it. The result is an estimate based on the rates in force for FY 2026–27.
- Take-home, tax, Medicare and super — broken down
- No sign-up, no hidden costs
- Super shown on top of your wage, never taken out
Quick estimate
Enter your gross salary, choose a pay cycle, and tell us about your study loan and private cover — the calculator shows your take-home pay, the income tax and Medicare taken out, and the super your employer pays on top. The result is an estimate, not an official assessment.
Your salary before tax — the amount on your contract or offer.
Assumes a resident individual, FY 2026–27, standard employment, no salary sacrifice — see the notes.
Take-home pay
Take-home pay: $67,280.00- Take-home$67,280.0079%
- Income tax$16,020.0019%
- Medicare + HELP$1,700.002%
- Total cost to employer
- $95,200.00
- Superannuation (employer, on top)
- $10,200.00
- Your marginal tax rate
- 30%
The full 2% Medicare levy applies at this income.
Notes on this calculation (2)
No Medicare Levy Surcharge is applied — this assumes you hold private hospital cover. Toggle it off if you don’t, and the surcharge is added above the threshold.
Your employer also pays $10,200 of superannuation ON TOP of your wage (12%). Super is never deducted from your take-home pay.
In Australia you don’t file to work out your take-home pay — your employer withholds income tax from each pay under the PAYG system and sends it to the ATO for you. What lands in your account is your take-home pay: your gross salary, less income tax and the Medicare levy, with the Low Income Tax Offset reducing the tax for lower earners.
The one figure that trips people up is superannuation. Your employer pays super into your fund on top of your wage — it is never taken out of your pay. This calculator keeps super where it belongs: a separate figure beside your take-home, never a deduction from it.
- $18,200
- Tax-free threshold
- 45%
- Top marginal rate
- 12%
- Super guarantee
How it works
Three steps to a first, honest number — no sign-up.
- 1
Enter your salary
Your gross pay and cycle, plus a study loan and private-cover toggle.
- 2
See the breakdown
Income tax after the offset, the Medicare levy, and any HELP repayment — line by line.
- 3
Get take-home + super
Your take-home pay, and the super your employer pays on top of your wage.
How the deductions work
From your gross salary, only a few things come out before you’re paid — and they’re all federal, so they don’t change by state:
- Income tax — charged on a marginal scale. The first $18,200 is tax-free; each band above it is taxed at a higher rate, up to a top rate of 45% — but only on the income inside that band, never your whole salary.
- Medicare levy — 2% of taxable income, with a low-income shade-in that reduces it for smaller incomes.
- Low Income Tax Offset (LITO) — reduces the income tax lower earners pay. It can’t create a refund and can’t reduce the Medicare levy.
- HELP/HECS — if you have a study loan, a compulsory repayment is collected through the tax system once your income passes the first threshold.
And separately, above all of this, your employer pays 12% superannuation into your fund. It’s their cost on top of your wage — the calculator shows it as its own figure, never subtracted from your take-home.
Explore the tools
One page per topic — the rule, and what it does to your money.
Income tax rates
The resident marginal scale — the tax-free threshold and each bracket above it.
HELP / HECS study loan
How the compulsory, marginal study-loan repayment is worked out through the tax system.
Superannuation
The super guarantee your employer pays into your fund — on top of your wage, never out of it.
Minimum wage
The National Minimum Wage set by the Fair Work Commission — the hourly and weekly floor.
FAQ
Answers on tax, the Medicare levy, HELP repayments and why super isn’t a deduction.
About
What TakeHomer is, how the figures are sourced, and how they are checked.
Why super sits on top of your wage — not inside it
In many countries a pension contribution is deducted from your gross pay, so it shrinks your take-home. Australian super is the opposite: the 12% guarantee is an employer cost added to your wage and paid straight into your super fund. Your take-home pay is worked out from your gross salary — super never touches that number.
That’s why the calculator shows super as a separate line and a total cost to your employer (your wage plus super), rather than folding it into the deductions. Treating super as a deduction is the single most common mistake in a take-home estimate — and the one this tool is built to avoid.
What a fair salary comparison looks like
For context, full-time adults earn around $2,051.10 a week before tax on average, and the all-employee median is about $1,425.00 a week — though both are gross figures that vary widely by industry and hours. The number on a contract only means something once you see the take-home behind it.
Compare take-home against take-home, and remember that super sits on top: two offers at the same salary are worth the same in your pocket, but the one with a higher super rate is worth more overall. The calculator gives you both numbers — what you take home, and what it costs your employer.
Frequently asked questions
More answers are being added as the content grows.
Ready?
Work out your take-home pay in seconds
Enter your gross salary and see your take-home, the tax and Medicare taken out, and the super paid on top — no sign-up.