Salary Calculator Australia

Your take-home pay is your gross salary minus income tax (using ATO marginal rates), Medicare levy (2%), any Medicare Levy Surcharge, and HELP/HECS repayments if applicable. Superannuation is paid on top of your salary by your employer and doesn't reduce your take-home pay.

It depends on your employment agreement. By law, employers must pay super on top of your Ordinary Time Earnings (OTE). However, some salary packages include super as part of the total package. Use the 'Super included in salary' toggle to see the difference.

No. Employer super is paid on top of your salary into your fund, so it never reduces the take-home figure above. The exception is a package quoted as including super: there the advertised number already has the 12% inside it, your base salary is the package divided by 1.12, and tax is worked out on that smaller base. Switch on 'Super included in salary' to see the split. Salary sacrifice is different again: that is your own money moved into super before tax, and it does reduce take-home pay.

On a $100,000 salary in FY 2026-27, an Australian resident pays approximately $20,520 in income tax (LITO is fully phased out at this income) plus a $2,000 Medicare levy, $22,520 in total. That leaves a take-home pay of around $77,480 per year or $2,980 per fortnight. Your employer also pays $12,000 (12%) into super on top.

Because they are two different calculations. The annual figure is your actual tax liability for the year. The per-pay figure is PAYG withholding, which your employer works out under ATO Schedule 1 on each pay separately, rounding as it goes and without applying the Low Income Tax Offset or the Medicare Levy Surcharge. Those are settled when you lodge. Withholding is deliberately set so that any difference is usually in the ATO's favour and comes back as a refund, which is why a year of pay slips rarely adds up to the annual number exactly.

Yes. Once your income reaches the ATO's minimum repayment threshold, a compulsory HELP/HECS repayment is calculated as a percentage of your repayment income and withheld through PAYG, reducing your take-home pay. The percentage rises with income. Toggle 'HELP/HECS debt?' to include this in the estimate.

Subtract income tax, the 2% Medicare levy, the Medicare Levy Surcharge (if applicable), and any HELP/HECS repayment from your gross salary. The remainder is your net take-home pay. That is your annual position. Your per-pay figure is not that number divided by 52, 26 or 12: employers withhold using ATO Schedule 1, which is calculated per pay period, so the two differ slightly. This calculator shows both. Super is paid on top and does not reduce either amount.

Base salary is your pay before super, the figure tax is calculated on. A salary package (or 'total remuneration package') is base salary plus the employer's compulsory super, and sometimes other benefits like a car allowance or bonus. A job advertised at '$100,000 plus super' pays a $100,000 base; one advertised at '$100,000 package' or 'including super' pays a base of about $89,286 with roughly $10,714 of super inside the quoted figure (FY 2026-27, 12% SG).

Divide the package by 1 plus the Super Guarantee rate. For FY 2026-27 (12% SG) that means base salary = package ÷ 1.12. For example, a $110,000 package including super breaks down to a base salary of about $98,214 plus $11,786 of employer super. Switch on the 'Super included in salary?' toggle in this calculator to do the split automatically.

Gross pay is your total earnings before anything is withheld, the salary figure in your employment contract. Net pay (take-home pay) is what actually lands in your bank account after income tax, the Medicare levy, any Medicare Levy Surcharge, and HELP/HECS repayments are deducted through PAYG withholding. Employer super is separate: it is paid into your super fund on top of gross pay and appears in neither figure.

Calculate your annual take-home pay (gross salary minus income tax, Medicare levy, and any HELP repayment), then look at the monthly figure this calculator shows. It is not the annual figure divided by 12: it is the ATO's monthly withholding formula applied to your monthly gross, which is what your employer actually deducts. A calendar month is also longer than four weeks, so a monthly pay is larger than two fortnightly pays.