Pay calculator
The first thing I wanted to know about every job offer in Australia was simple: how much actually lands in my account? This calculator works out your take-home pay, tax, Medicare levy, study loan repayments and super, using the ATO's current rates and the same formulas payroll software uses.
How your income compares
Where your taxable income sits among Australians who paid tax in 2023–24, from the ATO's latest taxation statistics. Each percentile is 1% of taxpayers. Incomes have grown since, so treat it as a rough guide.
Women and men in each percentile
- Women
- Men
Your super
What goes into your super this year, the tax taken out inside the fund, and how close you are to the contribution caps.
Contributions this year
Contribution caps
Concessional contributions are taxed at 15% in your fund (30% if Division 293 applies). Going over a cap means extra tax. See the ATO's contributions caps.
Income tax
Australia's income tax is progressive: your income is split into brackets, and each part is taxed at that bracket's rate. Moving into a higher bracket only changes the tax on the dollars above it.
Tax brackets
| Taxable income | Rate | Your income in it | Tax |
|---|
Tax rate as income rises
- Marginal rate (on the next dollar)
- Average rate (tax ÷ income)
What your payslip will show
Your employer takes tax out of each pay using the ATO's withholding formulas. The total over the year rarely matches what you owe exactly, and the difference comes back (or is owed) at tax time.
Amounts the ATO tests against
Fringe benefits and some super contributions aren't taxed as income, but they're added back when the ATO checks your income for the Medicare levy surcharge, HELP repayments and Division 293.
How it's worked out
Everything runs in your browser. What you type is saved in this browser only, so it's still there next time, and is never sent anywhere. Use Reset to clear it. The rates come straight from the ATO, and the withholding maths is checked against the ATO's own sample data every time the site is built.
Tax for the year
- Income tax uses the resident tax rates. In 2026–27 the first rate is 15% (it was 16% in 2025–26). Foreign residents and working holiday makers use their own rates, with no tax-free threshold.
- The low income tax offset (up to $700) is taken off for residents earning under $66,667.
- The Medicare levy is 2%, reduced for low incomes. The Medicare levy surcharge (1% to 1.5%) applies if your income is over the threshold and you don't have private hospital cover.
- Study loan repayments use the marginal system that started in 2025–26. Fringe benefits and salary sacrifice count towards your repayment income.
Super, packaging and each pay
- Employer super is 12% of your salary, up to the maximum contribution base. It's paid into your fund on top of your salary, so it isn't part of your take-home pay.
- Novated leases use the FBT statutory formula (20% of the car's value) for a full year. Your provider's quote may differ slightly because of GST credits and fees.
- The payslip figures use Schedule 1 and Schedule 8, which apply to pays from 1 July 2026. They should match the ATO's tax withheld calculator.
- Couples and single parents get the family Medicare levy thresholds ($4,338 higher for each child) and family surcharge thresholds (double the single ones, plus $1,500 for each child after the first). For couples, the surcharge test uses your combined income.
- It assumes no other income, and the same pay every pay for the whole year. It doesn't cover the seniors offset, family tax benefit or years with 27 fortnightly pays.
An estimate, not tax advice. I built this to understand my own pay. Your real tax depends on your whole situation. Check the ATO's tax withheld calculator or income tax estimator, or talk to a registered tax agent, before making decisions. Want to keep more of your pay? Read how salary sacrifice works.