Take-Home Pay Calculator
Work out your take-home pay after income tax, Medicare levy and HECS-HELP repayments, plus employer super.
- Gross pay per month
- $7,500
- Income tax per month
- $1,460
- Medicare levy per month
- $150
- Employer super per month (on top of salary)
- $900
- Figures are for the 2026-27 financial year, Australian tax residents only — non-resident, working holiday maker and senior/pensioner (SAPTO) rates aren't covered.
- Medicare Levy Surcharge (an extra 1–1.5% for higher earners without private hospital cover) isn't included.
- Superannuation guarantee is shown as an employer contribution on top of salary, not deducted from take-home pay.
This calculator provides estimates only. It is general information, not financial or taxation advice, and doesn't account for your full personal circumstances. Confirm figures with your lender or a licensed adviser before making a decision.
Rates verified 2026-08-14 from ATO — Tax rates – Australian residents, ATO — Low income tax offset, ATO — Medicare levy reduction for low-income earners, ATO — Study and training loan repayment thresholds and rates and ATO — Key super rates and thresholds.
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How this calculator works
Take-home pay is what actually lands in your bank account after income tax, the Medicare levy and — if you have one — your compulsory HECS-HELP or other study loan repayment are taken out. This calculator applies the current ATO resident tax brackets, the low income tax offset, the Medicare levy (including its low-income shade-in range), and the HELP marginal repayment system, then shows the result per week, fortnight, month or year.
Enter your gross annual salary, whether you have a study loan debt, and how you'd like the breakdown displayed. Superannuation is shown separately as an employer contribution on top of your salary (the standard arrangement for most employees) rather than deducted from take-home pay — if your package is structured as "total remuneration" inclusive of super, subtract the super figure from your gross salary first.
Worked example: a $90,000 salary with no study loan pays $17,520 in income tax (after the low income tax offset, which cuts out entirely above $66,667) and $1,800 in Medicare levy, for a take-home pay of $70,680 a year — $5,890 a month. Add a HECS-HELP debt at the same salary and the compulsory repayment is $3,070.80 a year (15% of the $20,472 over the $69,528 threshold), dropping take-home pay to $67,609.20 a year, or $5,634.10 a month. Either way, the employer also contributes $10,800 a year in superannuation guarantee (12% of gross salary) on top.
This covers Australian tax residents only, using the general resident tax-free threshold — it doesn't cover non-resident, working holiday maker, or senior/pensioner offset rates, and doesn't account for other offsets, deductions or salary sacrifice.
Frequently asked questions
- Why is my income tax lower than gross salary × tax bracket rate?
- Australia's tax brackets are marginal — you only pay each rate on the slice of income within that bracket, not your whole salary. This calculator also applies the low income tax offset (LITO), which further reduces tax for incomes up to $66,667.
- Is superannuation taken out of my take-home pay?
- Not in this calculator — super guarantee (12%) is shown as an employer contribution on top of your salary, which is how most Australian employment packages work. If your employment contract specifies a 'total package' that already includes super, your actual take-home salary is lower than what's shown here.
- Does this include the Medicare levy surcharge?
- No. The Medicare Levy Surcharge is an extra 1–1.5% that applies to higher earners without private hospital cover, on top of the standard 2% levy shown here. This calculator doesn't include it since it depends on your private health insurance status, not just income.
- What if I have a HECS-HELP debt but also other loan types like VSL or SFSS?
- The same repayment thresholds and marginal rates apply across HELP, VET Student Loans (VSL), SFSS and several other study and training loans — select "Yes" regardless of which of these you have.
- Why might this differ slightly from my actual payslip?
- This calculator shows your exact annual tax liability split evenly across pay periods. Your employer instead withholds tax using the ATO's separate per-period PAYG withholding schedules, which round slightly differently — the two usually land within a dollar or two of each other per pay, and reconcile exactly at tax time.