Pay calculator: your take-home pay in seconds
See your tax, Medicare levy, super and take-home pay for any wage or salary – weekly, fortnightly, monthly or yearly – using the ATO's latest rates.
- Updated for 2026–27, including the new 15% tax rate
- Hourly, daily, weekly, fortnightly, monthly or yearly pay
- Super, HELP, Medicare levy surcharge and salary sacrifice
Work out your take-home pay
Enter your pay to see your tax, Medicare levy, super and take-home pay per week, fortnight, month and year, using the ATO's current rates.
- Take-home
- Tax & levies
- Super
Full breakdown
| Weekly | Fortnightly | Monthly | Yearly |
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Estimates only, based on ATO tax rates for the selected year. They assume the same pay for the whole year and don't include tax offsets other than the low income tax offset, deductions, fringe benefits or the Medicare levy family thresholds. The tax withheld from your pay can differ slightly from these figures; your actual tax is worked out in your tax return.
What goes into your take-home pay
The calculator applies the same rates and thresholds the ATO publishes for each financial year.
Income tax
Resident rates for 2026–27: nil to $18,200, then 15%, 30%, 37% and 45%. Foreign residents and working holiday makers have their own rates.
Medicare levy
2% of taxable income, reduced or nil for low incomes. The surcharge of 1%–1.5% applies to higher earners without private hospital cover.
Super guarantee
12% of ordinary time earnings, paid by your employer on top of your pay. Since 1 July 2026 it must be paid with each pay cycle.
Study loans
HELP and other study loans are repaid only on income above the threshold – $69,528 in 2026–27 – at 15c then 17c per dollar.
Pay calculator: your questions answered
How is my take-home pay calculated?
We convert your pay to a yearly amount, take off any salary sacrifice, then apply the ATO's income tax rates, the low income tax offset, the Medicare levy and any study loan repayment or Medicare levy surcharge. What's left is your take-home pay, which we split back into weekly, fortnightly and monthly amounts.
Why is my payslip slightly different?
Employers use the ATO's withholding schedules, which round amounts for each pay and assume your pay is the same all year. Bonuses, overtime, allowances and unpaid leave also change what's withheld. Any difference is sorted out when you lodge your tax return.
What changed on 1 July 2026?
The tax rate on income between $18,201 and $45,000 fell from 16% to 15%, saving up to $268 a year. The Medicare levy surcharge and study loan thresholds also rose, and employers now pay super with each pay under Payday Super. The rate falls again to 14% from 1 July 2027.
Should I claim the tax-free threshold?
Most people claim it from their main job only. If you have a second job, don't claim it there, or too little tax will be withheld and you could get a bill at tax time.
Is super included in my salary?
It depends on your contract. A salary 'plus super' means your employer pays super on top. A 'package' or 'total remuneration' figure includes super. Choose the matching option in the calculator.
Can you help me pay less tax?
Yes. As a registered tax agent we can review salary sacrifice, deductions, investment structures and your tax return so you keep more of what you earn. Book a free consultation to talk it through.
Want to keep more of your pay?
Talk to a registered tax agent about deductions, salary sacrifice and getting your tax return right. Free 30-minute consultation.