A clear salary breakdown for any Australian income — showing income tax, Medicare, super and what actually lands in your bank account.
How to use
Take-home pay
$67,012
per year, after tax
Effective tax
21.2%
Weekly
$1,289
Fortnightly
$2,577
Monthly
$5,584
Gross
$85,000
Income tax
− $16,288
Medicare 2%
− $1,700
Super 11.5%
+ $9,775
Superannuation is paid by your employer in addition to your salary and is not part of your take-home pay. Excludes HELP/HECS and Medicare Levy Surcharge.
An Australian payslip typically shows gross pay, PAYG tax withheld, other deductions (HELP/HECS, salary sacrifice) and net pay. The employer super contribution is usually listed separately as it doesn't come out of your cash pay.
Australia uses a progressive PAYG income tax system. The first $18,200 is tax-free, then income is taxed at 16%, 30%, 37% and 45% across rising brackets for FY 2025–26. Your employer withholds tax from each pay.
Take-home pay is your gross annual salary minus income tax and the 2% Medicare levy. It's the cash that actually lands in your bank account each pay cycle.
Superannuation ('super') is Australia's compulsory retirement savings system. Your employer pays 11.5% of your ordinary time earnings on top of your salary into your chosen super fund.
No — it's a separate 2% charge on taxable income, on top of income tax. Higher earners without private hospital cover may also pay the Medicare Levy Surcharge (1–1.5%).
Bracket thresholds are set by legislation and change occasionally. This calculator uses the FY 2025–26 rates that took effect on 1 July 2025.