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CalculatorQuest

Australian Financial Calculators

Free Pay Calculator Australia

Calculate take-home pay after income tax, Medicare levy, super, and HECS — with 2026-27 and 2025-26 tax year toggle.

Enter your figures

Pre-tax super contributions

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Results appear here instantly — no page jump.

Estimates only, not tax or financial advice. Results are general information based on published ATO rules and the figures you enter. For advice about your situation, speak to a registered tax agent or licensed financial adviser. How we calculate · Spotted a mistake?

Compare salary levels in our salary after tax table by income, model student debt with the HECS calculator, or estimate packaging with the novated lease calculator.

Guides to understanding your pay

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How Australian take-home pay is calculated (2026-27)

Take-home pay = gross income − income tax (after LITO) − Medicare levy (− HECS/HELP if applicable) (− salary sacrifice). Super guarantee is paid by your employer on top of salary at 12%.

  • Income tax uses ATO marginal brackets for 2026-27 (lower bracket 15%)
  • Medicare levy is generally 2% of taxable income
  • HECS/HELP uses marginal repayment rates above the threshold

Worked example: $90,000 annual salary

  1. Enter $90,000 annually with the 2026-27 tax year selected.
  2. Income tax after LITO is $17,520 and the Medicare levy is $1,800.
  3. Take-home pay is $70,680 a year, before any HECS repayment.
  4. Toggle HECS to see compulsory student loan repayments, then compare weekly, fortnightly and monthly figures.

Frequently Asked Questions

What tax year does this pay calculator use?
It defaults to 2026-27 and you can switch to the previous financial year. Rates come from the ATO and the page shows the date they were last checked.
Does take-home pay include super?
Super guarantee is usually paid on top of your salary, not deducted from take-home. Salary sacrifice into super does reduce take-home pay.
Is HECS included?
Yes — enable HECS/HELP to estimate compulsory repayments based on your repayment income.
Is this official ATO advice?
No. It is a free estimate based on published ATO rates. For lodging a return, use ATO tools or a registered tax agent.

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