How we calculate your take-home pay

All maths runs in your browser using the tables below. We calculate an annual figure from your taxable income and divide it into pay periods.

Income tax

Resident rates apply to taxable income (gross pay minus salary sacrifice). Non-residents have no tax-free threshold. Working holiday makers pay 15% on the first $45,000.

• 2025–26: $0→0%, $18,200→16%, $45,000→30%, $135,000→37%, $190,000→45%
• 2026–27: $0→0%, $18,200→15%, $45,000→30%, $135,000→37%, $190,000→45%

Low Income Tax Offset (LITO)

Residents get up to $700 off tax, reduced by 5c per $1 over $37,500 and 1.5c per $1 over $45,000, ending at $66,667.

Medicare levy and surcharge

2% of taxable income for residents, phased in between $28,011 and $35,013 for a single person (2025–26 thresholds, also used for 2026–27 until updated). Without private hospital cover, we apply the surcharge as a single-person estimate: 1% above $101,000, 1.25% above $118,000 and 1.5% above $158,000.

HELP / HECS

Marginal repayment system: 15c per $1 above the minimum repayment income ($67,000 in 2025–26, $69,528 in 2026–27), then $8,700 + 17c per $1 above $125,000 (2025–26) or $9,028 + 17c above $129,717 (2026–27), capped at 10% of total income.

Superannuation

12% of gross salary, shown separately. If your package includes super, gross = package ÷ 1.12.

Limitations

We don’t model deductions, other offsets, family-based surcharge thresholds, tax-free-threshold splits across jobs or state payroll items. Use the ATO calculators for a definitive figure.