Australia Take-Home Pay Calculator 2026-27
Estimate your salary after tax using the 2026-27 resident rates, the Medicare levy and its low-income shade-in, LITO, study and training loan repayments, superannuation and an estimate of PAYG withholding. Annual tax liability and payroll withholding are worked out separately, because they are two different calculations.
Enter a salary to begin.
Your pay details
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Toggles that change the result
Salary sacrifice and pre-tax payroll deductions
These come out of your pay before tax, so they reduce both your taxable income and the cash you receive. Do not enter ordinary work expenses here. Those go in the tax-return section below.
Deductions you claim in your tax return
These reduce your taxable income when you lodge, so they come back as a refund. They do not reduce the cash in your pay packet, and payroll does not know about them.
Repayment income and surcharge income add-backs
The ATO works out study loan repayments and the Medicare levy surcharge on a broader income figure than taxable income. Anything you enter here is added on top of taxable income for those two calculations only.
Part-time, casual and pro-rata hours
Optional penalty-rate estimate: overtime, weekend, public holiday, night shift
These are hours worked on top of your ordinary hours, paid at the multiplier shown. Multipliers vary by award and employer, so every one is editable.
| Type | Hours per week | Multiplier |
|---|---|---|
Public holiday hours are entered per week for consistency. If you work 8 public holiday hours a year, enter roughly 0.15.
Family basis, Medicare levy surcharge and second job
Annual position, averaged over your pay cycle
Estimated average per fortnight, and per year.
| Line | Per fortnight | Per year |
|---|
These are annual figures divided by your pay cycle, not a reproduction of a payslip. A real payslip uses the ATO withholding schedules, which work in whole dollars per pay period.
PAYG withholding and your tax return
What payroll is likely to withhold, compared with what you actually owe for the year.
| Line | Amount |
|---|
Where did my salary go?
For every $100 earned, this is what is left.
Which brackets your income passes through
Your marginal rate applies only to the slice of income above each threshold, never to the whole salary. Earning more never leaves you with less.
| Bracket | Rate | Your income in it | Tax from it |
|---|
Four things a plain salary box cannot answer
Each of these uses the settings you entered above.
Package decoder
Hourly rate and annual salary
Explain my result
A plain-English version of the numbers above, generated in your browser.
How much will you take home?
Take-home pay is what lands in your bank account after the ATO has taken its share. For most Australian employees that means income tax, the Medicare levy, and a compulsory study loan repayment if you have one. Superannuation sits outside all of that, because your employer pays it on top of your wage into a fund you cannot touch until you retire.
The gap between gross and net widens as you earn more, because Australia taxes income progressively. On $70,000 you keep roughly four dollars in every five. On $200,000 you keep about seven in ten. Neither figure is a flat rate applied to your whole salary, which is the single most common misunderstanding about the system.
Australia salary after tax in 2026-27
The 2026-27 financial year brought one headline change: the second marginal rate, which applies to income between $18,201 and $45,000, dropped from 16% to 15%. For anyone earning above $45,000 that is worth about $268 a year before the Medicare levy. The other thresholds held steady, while the Medicare levy low-income thresholds and the study loan repayment bands were indexed upward.
The first $18,200 you earn is tax free if you are an Australian resident. That threshold is per person, not per job, which is why claiming it with two employers at once usually produces a tax bill in July.
A new deduction also starts this year. Australian residents with work income can claim a standard $1,000 work-related deduction in the 2026-27 return without keeping receipts, or claim their actual work expenses if those come to more. It is one or the other. Payroll does not apply it, so it arrives as a larger refund rather than a bigger pay packet. The toggle above shows what it is worth at your marginal rate.
Annual tax liability is not the same as PAYG withholding
Two different sums sit behind every payslip. The first is your annual tax liability, worked out on your income for the whole year when you lodge. The second is PAYG withholding, which your employer calculates each pay using the ATO withholding schedules and sends to the ATO on your behalf.
This calculator does both and shows them side by side. The headline figure uses the annual liability, because that is your real tax position. The withholding section estimates what payroll is likely to take out each pay and shows the gap, which is roughly what your refund or bill will look like.
The tax-free threshold declaration belongs to the withholding side. Telling a payer not to apply it means more tax comes out of each pay, but your final liability for the year does not change. That is why a second job so often produces a bill: each payer withholds as though its own wage were your only income.
The Medicare levy is 2% of taxable income, charged separately from income tax rather than folded into the brackets. There is a low-income shade-in: below $28,011 you pay nothing, between $28,011 and about $35,013 you pay 10 cents in every dollar above the lower threshold, and above that the full 2% applies. Family thresholds start at $47,238 and rise $4,338 for each dependent child. Foreign residents and working holiday makers do not pay the levy at all.
The Medicare levy surcharge is a different thing again. It is an extra 1% to 1.5% charged to higher earners who do not hold private hospital cover, starting at $105,000 for singles and $210,000 for families in 2026-27. Unlike the brackets, the surcharge rate applies to your whole surcharge income once you cross a tier, so a small rise can cost hundreds. Payroll does not withhold it, so it lands entirely in your tax return.
HELP and study loan repayments
From 2025-26 onward, compulsory study loan repayments use a marginal system rather than a flat percentage of your entire income. In 2026-27 nothing is payable below $69,528. Above that you repay 15 cents in every dollar up to $129,717, then $9,028.35 plus 17 cents in the dollar up to $186,050. Above $186,051 the system switches to a flat 10% of your total repayment income.
The old system had a cliff: cross the threshold by a dollar and you owed a percentage of everything. The marginal version removed that. The ATO uses repayment income rather than salary, and repayment income adds back reportable fringe benefits, reportable super contributions and net investment losses. You can enter those add-backs above so the repayment is calculated on the right base.
Superannuation and salary packages
The superannuation guarantee rate is 12% in 2026-27. If you are quoted $90,000 plus super, your employer pays $10,800 into your fund on top and your taxable income is $90,000. If you are quoted a $90,000 package including super, your base salary is roughly $80,357 and the super component is about $9,643. Same headline number, meaningfully different pay packet, which is why the toggle above matters when you are comparing offers.
There is a ceiling. The maximum contribution base for 2026-27 is $270,830 of qualifying earnings for the year, which caps compulsory employer super at $32,499.60. Payday Super moved that cap from a quarterly test to an annual one from 1 July 2026. Above the cap an employer can stop paying the guarantee, though awards, enterprise agreements and individual contracts often require more.
Super never appears in take-home pay. It is shown separately in every result on this page for exactly that reason. Salary sacrifice works the other way: it comes out of your pay before tax, so it lowers both your taxable income and your take-home, and it does not reduce what your employer owes you in compulsory super.
Converting between pay frequencies
Twelve monthly pays and twenty-six fortnightly pays do not divide evenly into each other, so a monthly figure is not a fortnightly figure times two. Some payroll calendars also produce 27 fortnightly pay periods or 53 weekly ones in a financial year. When that happens, the withholding treatment can differ from simply dividing annual tax by 26, and the ATO publishes extra withholding amounts for it.
Why your payslip differs from any calculator
Payroll software applies the ATO's withholding schedules, which are built from rounded coefficients and work in whole dollars per pay period. Calculators work from annual figures. The two rarely agree to the cent. On top of that, your payslip may include salary sacrifice arrangements, novated leases, reportable fringe benefits, union fees, leave loading, allowances taxed differently from ordinary earnings, or a tax offset this tool cannot see. Treat the numbers here as a close estimate rather than a prediction of your next payslip.
How a raise actually reaches your pocket
A $10,000 raise never adds $10,000. Between $45,000 and $135,000 you sit in the 30% bracket, so a raise in that range loses 30% to income tax and 2% to the Medicare levy before it reaches you. Add a study loan and the marginal loss climbs by another 15 or 17 cents in the dollar. The Next $1,000 tab above shows your own figure rather than a generic one.
Frequently asked questions
What is $100,000 after tax in Australia?
What is $70,000 after tax in Australia?
What is $80,000 after tax in Australia?
What is $130,000 after tax in Australia?
How do I calculate my take-home pay?
What is PAYG withholding, and why does it differ from my tax?
Does the tax-free threshold declaration change how much tax I pay?
Does superannuation reduce my take-home pay?
How are HELP repayments calculated?
What is the $1,000 standard deduction?
How do I convert weekly pay to fortnightly or monthly?
Why does my payslip not match this calculator?
Rates, sources and assumptions
Rates and thresholds come from the ATO resident tax rates, foreign resident rates, study and training loan thresholds, the ATO Medicare levy pages, and the ATO super guarantee and maximum contribution base, with MoneySmart as a secondary reference. Built for the 2026-27 financial year, which runs from 1 July 2026 to 30 June 2027.
How the withholding estimate works: it annualises the earnings for your pay cycle, applies the relevant annual scale with or without the tax-free threshold, then divides back and rounds to the nearest dollar. That approximates the ATO's coefficient-based schedules without reproducing them, so expect a few dollars of difference per pay. It uses the single Medicare shade-in, because a family reduction needs a Medicare levy variation declaration lodged with your employer, and it leaves out the surcharge, which payroll does not withhold.
Not modelled: the ATO's coefficient-based withholding schedules and the 27-pay and 53-pay adjustments, SAPTO, the seniors and pensioners Medicare levy thresholds, part-year residency and the pro-rated tax-free threshold, the private health insurance rebate, fringe benefits valuation, novated lease post-tax contributions, leave loading, allowance-specific withholding, foreign income tax offsets, HELP indexation, Division 293 tax, and the Working Australians Tax Offset that begins in 2027-28. A real payslip can differ from this estimate.
CalcNest provides estimates based on published Australian tax and payroll rules. It is not an Australian Government service.
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