Australian Pay Calculator.
Make sense of your salary. Explore tax, super, overtime and family costs in one clear, private workspace.
Employer super: $10,800.00 per year, separate from your pay.
Working hours & purchased leavePart-time work, hourly wages and custom pay periods
Overtime & bonusMultiple rates and bonus packaging
Open only what you need. Dollar fields below are annual unless labelled otherwise.
Tax category & other jobResidency, working holiday makers and second income
Assumes adult, full-year residency. Tax residency is determined by ATO tests, not citizenship alone.
SuperannuationEmployer rate, contributions and concessional caps
Estimated government super additions: LISTO $0.00 · Co-contribution $0.00
$21,700.00 concessional cap remaining. Base cap $32,500.00.
Net super includes 15% contributions tax and estimated Division 293. Government additions require the eligibility switches above. Fund fees and insurance are excluded. Check eligibility with the ATO.
Novated leaseQuote-based cash flow, electric vehicles and FBT
Fringe benefits & salary packagingCash deductions and reportable benefit add-backs
Medicare, private health & senior offsetFamily thresholds, exemptions and surcharge
Deductions, allowances & other incomeExpenses, investments, business and credits
Student loan settingsBalance and repayment income
HELP, VSL, SFSS, SSL, ABSTUDY SSL and AASL share thresholds. Repayment income including add-backs: $89,000.00.
Family Tax BenefitChildren, shared care and household income
Current 2026–27 rates, separate from selected tax year and wages. Assumes residency, immunisation, study and maintenance eligibility.
Part A $0.00 · Part B $0.00
Potential supplements $0.00.
Full-year projection excluding rent assistance, energy supplement and grandparent exceptions. Supplements are paid after balancing. Confirm with Services Australia.
Your pay breakdown
| Item | Annual | Monthly | Fortnightly | Weekly |
|---|---|---|---|---|
| Gross employment income | $90,000.00 | $7,500.00 | $3,461.54 | $1,730.77 |
| Other net income | $0.00 | $0.00 | $0.00 | $0.00 |
| Pre-tax super sacrifice | -$0.00 | -$0.00 | -$0.00 | -$0.00 |
| Other salary packaging | -$0.00 | -$0.00 | -$0.00 | -$0.00 |
| Income tax after offsets | -$17,220.00 | -$1,435.00 | -$662.31 | -$331.15 |
| Medicare levy | -$1,780.00 | -$148.33 | -$68.46 | -$34.23 |
| Medicare levy surcharge | -$0.00 | -$0.00 | -$0.00 | -$0.00 |
| HELP / study loan | -$0.00 | -$0.00 | -$0.00 | -$0.00 |
| Franking credits | $0.00 | $0.00 | $0.00 | $0.00 |
| After-tax contributions / lease | -$0.00 | -$0.00 | -$0.00 | -$0.00 |
| Estimated available cash | $71,000.00 | $5,916.67 | $2,730.77 | $1,365.38 |
| Employer super (separate) | $10,800.00 | $900.00 | $415.38 | $207.69 |
Contributions tax $1,620.00 · Division 293 $0.00
$19,000.00 estimated still payable
Tax prepaid $0.00. Enter actual withholding for a meaningful settlement estimate.
A scenario link contains the main pay settings. Only share it with people you want to see them.
Explore your pay
Only the dollars in each bracket pay that rate.
Your 2026-27 taxable income: $89,000.00 · resident rates. Offsets and Medicare are applied separately.
| Income band | Rate | Income in band | Tax in band |
|---|---|---|---|
| $0.00 – $18,200.00 | 0.0% | $18,200.00 | $0.00 |
| $18,200.00 – $45,000.00 | 15.0% | $26,800.00 | $4,020.00 |
| $45,000.00 – $135,000.00 | 30.0% | $44,000.00 | $13,200.00 |
| $135,000.00 – $190,000.00 | 37.0% | $0.00 | $0.00 |
| $190,000.00 – and above | 45.0% | $0.00 | $0.00 |
Compare historical tax scales
Same taxable income, Australian resident basic tax only. Excludes offsets, Medicare and HELP; not historical take-home pay. 2027–28 shows the legislated 14% first band only.
Know what is behind the numbers.
Checked 27 October 2026. Planning estimates for adults with full-year tax residency, not tax advice or payroll withholding. Annual assessment is spread over your chosen periods.
- Income tax uses legislated 2025–26 / 2026–27 scales, LITO and entered eligible offsets.
- Medicare uses enacted 2025–26 low-income thresholds ($28,011 individual), carried forward until amended. Family calculations assume spouse taxable and adjusted income are equal.
- HELP uses annual thresholds and reportable super, fringe benefit and investment-loss add-backs.
- Super estimates assume uniform earnings. Excess-cap tax, fees and unentered offsets are excluded.
- Family benefits and child care use current rates, separate from wages. Capital gains entered are tax-assessment income, not asset-sale proceeds.
Three simple steps
How to use Australian Pay Calculator
Start with your pay
Enter your wage, its frequency and whether super is included.
Adjust your situation
Open settings for overtime, deductions, super, loans and family costs.
Compare and keep
Pin a scenario, compare periods, export a workbook or print.
Helpful answers
Frequently asked questions
Will this match my payslip?
The results spread an annual tax assessment estimate across pay periods. Employer PAYG withholding uses separate rounding and timing rules. Deductions, offsets and other income may be settled at tax time.
Which years are supported?
Full pay estimates support 2025–26 and 2026–27. The tax history panel compares resident scales from 2018–19 onward. Family benefits and childcare use separately labelled current 2026–27 rates.
Are my figures private?
Calculations run in your browser. Saving on this device is optional. Share links contain your inputs in the URL fragment, so only share them with people you want to see your figures.
Does salary sacrifice reduce HELP?
Reportable super and fringe benefits are added back to repayment income. Salary sacrifice does not automatically reduce your study-loan obligation.