A clear salary breakdown for any Australian income — showing income tax, Medicare, super and what actually lands in your bank account.
How to use
Results are estimates only and may vary depending on your individual circumstances, including tax residency and HELP/HECS debt.
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.
Guides
Plain-English explainers on tax, superannuation and salary — written to help you make confident decisions.
Learn the difference between salary package and base salary in Australia, how superannuation affects job offers, and what to check before accepting a new role.
Learn the difference between gross salary and net salary in Australia, how to understand salary packages, compare job offers, and calculate your real take-home pay.
Learn how income tax works in Australia, including tax brackets, the tax-free threshold, Medicare levy, and how your salary becomes your take-home 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.