An Australian pay calculator for salary after tax
This pay calculator for Australia turns your salary, wage or hourly rate into take-home pay after income tax, the Medicare levy and any HELP or study-loan repayment, using the ATO’s resident tax rates for 2026–27 (or 2025–26). It shows the result per week, fortnight, month and year, so it doubles as a fortnightly tax calculator.
It also works out the 12% super guarantee your employer pays on top, or splits a package that already includes super. Everything runs in your browser, and the rates and thresholds are listed with their ATO sources below the result.
How to use the Australia Pay Calculator
- Enter your pay before tax and choose whether it is a yearly, monthly, fortnightly, weekly or hourly figure (add hours a week for hourly pay).
- Pick the income year — 2026–27 runs from 1 July 2026 to 30 June 2027.
- Say whether super is paid on top of your pay or included in your package.
- Tick the study-loan box if you have a HELP, VSL, SFSS or other study debt.
- Choose weekly, fortnightly or monthly and read your take-home pay, then check the breakdown table.
Australia Pay Calculator features
Current ATO rates
2026–27 resident rates with the new 15% first rate, and 2025–26 for comparison.
Every pay period
Weekly, fortnightly, monthly and yearly figures side by side.
Medicare levy and LITO
The 2% levy with the low-income reduction, and the low income tax offset of up to $700.
HELP repayments
The marginal repayment system: 15c and 17c per dollar above the thresholds, 10% of income at the top.
Super guarantee
12% on top or inside a package, capped at the maximum contribution base.
2026–27 resident tax rates (excluding the Medicare levy)
In 2025–26 the first rate was 16%, so the same bands carried $4,288, $31,288 and $51,638.
| Taxable income | Tax on this income |
|---|---|
| $0 – $18,200 | Nil |
| $18,201 – $45,000 | 15c for each $1 over $18,200 |
| $45,001 – $135,000 | $4,020 plus 30c for each $1 over $45,000 |
| $135,001 – $190,000 | $31,020 plus 37c for each $1 over $135,000 |
| $190,001 and over | $51,370 plus 45c for each $1 over $190,000 |
How take-home pay is worked out
Take-home pay = taxable pay − (income tax − low income tax offset) − Medicare levy − HELP repayment. The low income tax offset is $700 up to $37,500, falling by 5c per dollar to $325 at $45,000 and then by 1.5c per dollar to nothing at $66,667. The Medicare levy is 2%, but no levy is due at or below $28,011 and only 10c per dollar above that until the full 2% applies (2025–26 single thresholds — the latest published).
Worked example: $90,000 a year in 2026–27 → income tax $4,020 + 30% × $45,000 = $17,520, Medicare levy $1,800, take-home $70,680 — $2,718.46 a fortnight or $5,890 a month. Your employer adds $10,800 of super. With a HELP debt, another $3,070.80 is repaid.
Limits of this estimate
- Residents only — foreign residents and working holiday makers have different rates.
- Your payslip uses the ATO’s rounded withholding tables, so it can differ by a few dollars a pay.
- Not included: the Medicare levy surcharge for higher earners without private hospital cover, salary sacrifice, deductions, other income, and family Medicare thresholds.
- Compare other countries with the UK take-home pay calculator, the Canada take-home pay calculator or the US paycheck calculator.
Australia Pay Calculator FAQ
How do I use this pay calculator for Australia?
Enter your pay before tax, say whether it is per year, month, fortnight, week or hour, choose the income year and read your take-home pay in the period you pick.
Is this a fortnightly tax calculator?
Yes. Choose “Fortnightly” to see tax and take-home per fortnight; the table also shows weekly, monthly and yearly figures.
Does this pay calculator use ATO rates?
Yes — the ATO’s published resident rates, low income tax offset, Medicare levy thresholds, study-loan thresholds and super guarantee rate for each income year.
What is the super guarantee rate in 2026–27?
12% of ordinary time earnings, the same as 2025–26, up to the maximum contribution base of $270,830 for the year.
When do I start repaying HELP?
When repayment income is above $69,528 in 2026–27 ($67,000 in 2025–26). You repay 15c for each dollar above the threshold, rising to 17c, and 10% of your total income above $186,050.
Why is my payslip slightly different?
Employers use the ATO’s PAYG withholding tables, which round each pay. Any difference is settled when you lodge your tax return.