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Fortnightly take-home$2,980View full result

Australian Pay Calculator

Find out what you could take home each pay after tax, Medicare and HECS/HELP, worked out with published ATO 2026-27 rates.

Your figures

Your Income

$
Showing an example salary. Type yours over it.
Other study loans include VSL, TSL, SSL and SFSS.
Not sure about the thresholds? See current HECS/HELP repayment thresholds.

More ways to enter income

Enter separate jobs or estimate annual income from year-to-date pay.

Include overtime or a bonus in your pay.

Paid hourly with penalty rates? Use the shift calculator.

Choose your tax status, tax-free threshold and private hospital cover.

Only hospital cover counts for the Medicare Levy Surcharge. Extras-only cover does not reduce it.

Your result

Estimated take-home pay
$2,980
per fortnight
$77,480 per year
Income tax
−$789
$20,520 per year
Medicare levy
−$77
$2,000 per year
HECS/HELP
None
Superannuation
$462
$12,000 per year (in super)

Medicare and the surcharge use single thresholds unless you add a spouse or dependent children under Medicare, family and seniors. Investment losses and exempt foreign income are not modelled.

Detailed breakdownFortnightly
Gross salary$3,846.15
Income tax−$789.23
Medicare levy−$76.92
Net pay$2,980.00
Taxable income$3,846.15
Superannuation$461.54
Total tax$866.15
Total package$4,307.69
Tax bracket breakdown
0% · $18,20015% · $26,80030% · $55,000
Effective tax rate
22.5%
Marginal: 30.0%

With the same inputs, your take-home pay is $268 per year higher under 2026-27 rules than under 2025-26 rules.

How this is calculatedShow

All figures below are annual. They are the exact values used for the result above, so you can audit how the final number is reached.

1. Taxable income
Gross salary (excluding employer super)$100,000
Taxable income$100,000
2. Income tax
$18,200 taxed at 0%$0
$26,800 taxed at 15%$4,020
$55,000 taxed at 30%$16,500
Tax on taxable income$20,520
3. Medicare levy

2% of taxable income.

Medicare levy$2,000
4. Superannuation

Employer contributions at 12.0% of salary are paid into your super fund, not taken out of take-home pay.

Employer super$12,000
Total into super$12,000
5. Take-home pay
Gross salary (excluding employer super)$100,000
Less income tax−$20,520
Less Medicare levy−$2,000
Take-home pay per year$77,480
What to do next
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Rates as at July 2026 · Sources

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Uses published ATO rates. See the rates and sources or how this is calculated.

Adjust your situation

Set super sacrifice, novated lease and reportable fringe benefits.

Money set aside by your employer for retirement.

See what salary sacrifice does to your balance at retirement →

Lease a car through your employer, paid from your salary before tax. Modelled as an FBT-exempt electric car.

The whole lease is treated as paid before tax, which is right for an eligible electric car (exempt from fringe benefits tax). A petrol or diesel car attracts fringe benefits tax that most packages offset with post-tax contributions, so its saving is smaller: the Novated Lease calculator models that from the car's value.

See the full lease saving and true fortnightly cost →

The grossed-up amount on your income statement. It raises the income used for HECS/HELP repayments and the Medicare levy surcharge, and can reduce the seniors offset.

From your income statement, for the FBT year ending 31 March
Benefits you salary package come out of your pay before tax. Enter the packaged amount as Salary sacrifice (non-super) under Deductions and Allowances, and the reportable amount here.

Set Medicare, family, senior, deduction and allowance details.

Medicare is a 2% levy on taxable income. A spouse or dependent children change the family thresholds.

Deductions and pre-tax salary sacrifice lower your taxable income; allowances add to it.

Total eligible tax deductionsFrom 2026-27 eligible residents also get a standard deduction of up to $1,000 for work expenses when their return is assessed. It does not change your pay, so it is not included here. The Tax Return Calculator applies it.
Salary sacrifice arrangements other than super
Taxable allowances paid by your employerInvestment, dividend or business income? Estimate it in the Tax Return Calculator →

Related calculators

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Frequently asked questions

Why is my take-home pay different from my payslip?

Your payslip uses the ATO's withholding tables, which round and estimate the tax for each pay run. calx works out your tax for the whole year and spreads it evenly, so the two are usually a few dollars apart. Withholding is only a forecast, and any gap is squared up when you lodge your tax return.

Does my salary include super?

That depends on how your salary was offered. If your employer pays super on top of your stated salary (the most common arrangement), choose No. If the figure quoted is your total package with super already included, choose Yes. Getting this right changes your take-home pay, so it is worth checking your contract or offer letter.

Have I claimed the tax-free threshold?

The tax-free threshold is the first $18,200 you earn each year that isn’t taxed. You claim it with one employer, usually your main job. If you have a second job and haven’t claimed it there, that income is taxed from the first dollar, which is why a second job often feels heavily taxed. If you’re unsure, leave this set to “claimed”. That’s the standard case for most people with one job.

How is HECS/HELP calculated?

Your compulsory HECS/HELP repayment is worked out from your repayment income, not your taxable income. calx uses the current financial year’s repayment rates and thresholds. Note that compulsory repayments don’t reduce your balance until after you lodge your return, so your balance keeps being indexed in the meantime.

Is a bonus taxed differently?

No. A bonus is taxed at your normal rates as part of your annual income. It can look like it’s taxed more because your employer often withholds a larger chunk from the bonus pay run, but that’s withholding timing, not a higher tax rate. It evens out at tax time.

Which financial year should I choose?

Pick the year the income is paid in. The Australian financial year runs from 1 July to 30 June, and tax rates, thresholds and the Medicare levy can change from one year to the next. For pay you're earning now, use the current financial year.