Australia Take-Home Pay Calculator (2026-27)
Enter your gross annual salary and see what lands in your account: income tax on the 2026-27 rates plus the Medicare levy, with the low-income shade-in applied.
Enter your salary to see the breakdown.
Estimate for a resident taxpayer with no HELP/HECS debt, no private health cover surcharge and no offsets beyond the tax-free threshold. Superannuation is not deducted here — your employer pays it on top of your salary. Not tax advice.
How the calculation works
Income tax follows the 2026-27 resident rates: a tax-free threshold, then higher rates applied bracket by bracket as your income rises.
The Medicare levy is a percentage of taxable income, phased in for low incomes until the full levy applies.
Superannuation stays out of the deductions: it is an employer cost paid on top of your salary, not withheld from it.
Worked example: a $95,000 salary
On a gross salary of $95,000, the calculator returns $19,020 of income tax and $1,900 of Medicare levy, leaving $74,080 a year, or $6,173 a month. That is an effective deduction rate of 22.0%, before super, which your employer pays on top.
What is taken out of Australian pay
- Income tax (PAYG withholding)
- Your employer withholds income tax from each payment using the ATO resident tax rates, which include a tax-free threshold and rise bracket by bracket. The ATO publishes the current thresholds and rates.
- Medicare levy
- A levy on taxable income that funds Medicare. Low-income earners pay a reduced amount below the ATO's phase-in thresholds.
- Superannuation (employer cost)
- Paid by the employer on top of your salary into your super fund, so it is not a deduction from take-home pay.
Sources
Last reviewed: September 2026
Frequently asked questions
Is superannuation included?
No, and that is deliberate. Super is paid by your employer on top of your gross salary, so it never reduces your take-home pay. A package advertised as 'including super' is a different number.
What about HECS or HELP repayments?
Not included. Study loan repayments are worked out on your repayment income and would reduce your take-home pay on top of the tax shown here.
Does the Medicare levy surcharge apply?
Only if you earn above the surcharge income threshold without private hospital cover. That extra surcharge is not part of this estimate.
How do I work out my take-home pay in Australia?
Subtract income tax and the Medicare levy from your gross salary. The calculator above does both for a resident taxpayer and shows the yearly and monthly result.
What is a salary packaging calculator, and is this one?
Salary packaging (or salary sacrificing) swaps part of your pre-tax salary for benefits, which lowers taxable income. This calculator shows the plain result with no packaging, so it is the baseline to compare a package against.
How much is pay after tax on a typical Australian salary?
It depends on your income bracket, so use the calculator with your own figure. The worked example on this page shows how a round salary turns into net pay.
What does total compensation include beyond take-home pay?
The employer adds superannuation on top of the salary, and often other costs such as payroll tax. Your take-home figure is only the part that reaches your account.
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