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Enter your information for a detailed breakdown of your take home salary, tax and super each week, month or year.
Your take home pay is
0%
0%
Superannuation
$0
0%
Income Tax
$0
0%
Medicare Levy
$0
0%
Medicare Levy Surcharge
$0
0%
HELP / SSL / TLS Repayment
$0
0%
SAPTO
$0
0%
Tax Offsets
$0
Total Tax
$0
Total Taxable Income
$0
Marginal Tax Rate
0%
To calculate your take home pay, simply enter your details into our Pay Calculator. You’ll see a detailed breakdown of your income, showing your weekly, monthly and annual take home pay.
Our Pay Calculator also works as an Income Tax Calculator. You’ll see your total amount of taxable income, along with the amount of tax deducted from your salary or wages.
Your take home pay is your net income. In other words, how much you receive after all taxes, superannuation and deductions have been taken out of your gross income. This includes deductions such as income tax, Medicare levy, and any other compulsory or voluntary contributions like your superannuation.
In simpler terms, it’s the actual amount — known as your net income — that you get paid into your bank account by your employer after these deductions are made. While your gross income reflects your earnings before deductions, your take home pay is the money you can use for personal expenses, savings and investments.
It’s worth noting that your take home pay can vary depending on factors like your income tax bracket, any additional benefits or deductions, and your superannuation contributions.
Yes, our Pay Calculator can be used to calculate your total taxable income. If you earn a wage and receive bonuses or overtime pay, you may find the amount of tax you pay differs between payslips. Your employer withholds a certain amount of your earnings to put aside for tax obligations, and calculates this amount each pay cycle.
The amount of tax that is deducted from your pay will depend on various factors, like whether you are subject to the Medicare levy surcharge (i.e. whether you have a suitable level of private health insurance).
If you have overpaid tax throughout the year due to fluctuations in your wages, you will receive a refund at the end of the year.
You can use our Tax Return Calculator to estimate your end-of-year refund.
Here are the Australian resident tax rates for the 2025-26 financial year.
Income | $0 - $18,200 |
|---|---|
Tax on this income | Nil |
Marginal tax rate | 0% |
Income | $18,201 - $45,000 |
Tax on this income | 16c for each $1 over $18,200 |
Marginal tax rate | 16% |
Income | $45,001 - $135,000 |
Tax on this income | $4,288 plus 30c for each $1 over $45,000 |
Marginal tax rate | 30% |
Income | $135,001 - $190,000 |
Tax on this income | $31,288 plus 37c for each $1 over $135,000 |
Marginal tax rate | 37% |
Income | $190,001 and over |
Tax on this income | $51,638 plus 45c for each $1 over $190,000 |
Marginal tax rate | 45% |
| Income | Tax on this income | Marginal tax rate |
|---|---|---|
$0 - $18,200 | Nil | 0% |
$18,201 - $45,000 | 16c for each $1 over $18,200 | 16% |
$45,001 - $135,000 | $4,288 plus 30c for each $1 over $45,000 | 30% |
$135,001 - $190,000 | $31,288 plus 37c for each $1 over $135,000 | 37% |
$190,001 and over | $51,638 plus 45c for each $1 over $190,000 | 45% |
If you’re earning a salary (a fixed annual amount paid by your employer), our Pay Calculator can quickly calculate your take home pay. It will show you the exact amount you’ll receive after deductions, providing a clear breakdown, as well as displaying the percentage of your gross salary that you actually take home.
Here’s an example:
| Annual salary (excluding super) | $90,000 |
|---|---|
Marginal tax rate | 30% |
Annual tax paid | $19,588 |
Annual take home pay | $70,412 |
Our Pay Calculator is based on rates and thresholds from the Australian Taxation Office (ATO). It applies the ATO’s calculations and formulas to work out your take home pay in weekly, fortnightly or annual amounts. It also breaks down your superannuation, income tax, Medicare levy, Medicare levy surcharge, student debt, SAPTO and tax offsets, based on your details you’ve entered.
In a recent survey of over 1,000 Australians, we uncovered some eye-opening insights about pay increases. While 27% of respondents reported receiving a raise in the past year, 21% couldn’t recall the last time they saw an increase. In fact, 17% had their most recent boost within the last six months, 13% had to go back two years, and 12% hadn't seen a raise in over two years. Shockingly, 11% of respondents have never experienced a pay rise at all.
The easiest way to understand the difference between gross and net income is:
Another common term you'll hear is 'taxable income'. This is your gross pay, minus any eligible deductions. The most common example of a deduction is salary sacrificing. Basically this involves your employer making payments for certain eligible personal expenses on your behalf using your pre-tax salary. Examples include salary sacrificing a car (through an arrangement known as a novated lease) or your home loan payments.
The main difference between salary and wages is that a salary is a fixed amount paid to an employee by their employer, regardless of the number of hours worked. In contrast, wages are a variable amount based on an employee’s hourly rate, multiplied by the number of hours worked within a specific period.
Unlike salary, wages can fluctuate depending on the hours worked, while salary remains a consistent amount that isn’t affected by working more or fewer hours.
If you are paid at an hourly rate — i.e. not on a salary — you can use our Pay Calculator just as you would for other forms of income. Simply adjust the Pay Frequency settings from Annually to Monthly or Weekly to match the frequency of payments from your employer, and you can see details about your pay for each specified pay period.
Yes. Our Pay Calculator can be used to calculate taxable income and income tax for the previous tax years, currently from 2023-2024 and 2024-2025 to the most recent tax year, 2025-2026. Simply select the appropriate tax year you wish to include from our Pay Calculator menu when entering in your income details.
Our Pay Calculator can help you calculate the amount of tax you will be paying based on your annual salary, versus the actual amount you will be required to pay at the end of the year.
For example:
While you will still pay tax according to your projected annual earnings ($90,000), your end-of-year tax will only be calculated on your actual earnings ($67,500). You’ll also still be eligible for a tax refund at the end of the financial year.
Yes, if you’re a high-income earner, there are limits on how much super your employer must pay. Employers are required to make Superannuation Guarantee (SG) contributions on your earnings up to a certain limit known as the ‘Maximum Superannuation Contribution Base (MSCB).
For the 2025-26 financial year, the MSCB is $62,500 per quarter, or $250,000 per year, according to the ATO. This means the maximum super your employer must contribute each quarter is $7,500 (which is 12% of $62,500).
The ATO states that high-income earners with a combined income and super contributions exceeding $250,000 per year are subject to an additional 15% tax on their concessional contributions, called Division 293 tax.
