AU Finance Tools

Take Home Pay Calculator (Australia)

Enter your gross salary to see your real take-home pay in Australia after income tax and the 2% Medicare levy. Perfect for budgeting a mortgage, rent or weekly spend.

How to use

  1. 1Enter your gross annual salary
  2. 2Adjust the superannuation rate if your employer uses a different rate. (The default rate is based on the current Australian super guarantee rate).
  3. 3Review your estimated take-home pay income.
  4. 4Check the breakdown of your estimated income tax, Medicare levy, and superannuation contributions to better understand how your salary is calculated.

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.

What "take-home pay" really means

Take-home pay is your gross salary minus PAYG income tax and the Medicare levy. It excludes optional deductions like HELP/HECS, salary sacrifice or additional super, and it does not include employer super contributions (which are paid on top).

How to budget from take-home

Most Australian lenders and landlords assess affordability from net income. A common benchmark is spending no more than 30% of take-home pay on housing — use the fortnightly figure above and multiply by 26 to check your annual housing budget.

Guides

Australian finance guides

Plain-English explainers on tax, superannuation and salary — written to help you make confident decisions.

Salary Package vs Base Salary in Australia: What’s the Difference?
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Salary Package vs Base Salary in Australia: What’s the Difference?

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.

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Gross Salary vs Net Salary in Australia: Understanding Your Real Income
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Gross Salary vs Net Salary in Australia: Understanding Your Real Income

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.

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How Does Income Tax Work in Australia? A Simple Guide for Employees
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How Does Income Tax Work in Australia? A Simple Guide for Employees

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.

5 min readRead

Frequently asked questions

+How is salary taxed in Australia?

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.

+What is take-home 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.

+What is superannuation?

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.

+Is the Medicare levy included in income tax?

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%).

+How often are Australian tax brackets updated?

Bracket thresholds are set by legislation and change occasionally. This calculator uses the FY 2025–26 rates that took effect on 1 July 2025.

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