Free Salary & Pay Calculator for Australia
Work out your take-home pay (net pay) from an hourly wage, weekly pay, or annual salary using Australian tax settings for 2025-26. This free calculator estimates income tax, the Medicare levy, and superannuation.
Takes ~30 seconds · No signup required · Estimates only
Important Disclaimer
This calculator provides general estimates only and is not financial, tax, or legal advice. Results are indicative and may not reflect your actual take-home pay due to individual circumstances, tax offsets (such as LMITO or LITO), additional deductions, or other factors not captured by this tool. The calculations are based on 2025-26 Australian tax rates and Super Guarantee requirements as published by the Australian Taxation Office and Fair Work. Tax laws and rates change regularly—always verify current rates at ato.gov.au.
Enter your details
Your results
Enter your pay details and click "Calculate" to see your results
Gross Annual
$0.00
Super (Annual)
$0.00
Tax & deductions breakdown
Your take-home pay (annual)
$0.00
| Period | Gross | Tax | Net |
|---|---|---|---|
| Weekly | $0.00 | $0.00 | $0.00 |
| Fortnightly | $0.00 | $0.00 | $0.00 |
| Monthly | $0.00 | $0.00 | $0.00 |
| Annual | $0.00 | $0.00 | $0.00 |
⚠️ Estimates only
These results are indicative estimates based on 2025-26 tax rates. Your actual take-home pay may differ due to tax offsets, deductions, and personal circumstances. Always verify with the ATO or a tax professional.
What this calculator shows
This free Australian salary and pay calculator helps you estimate your take-home pay for the 2025-26 financial year. It includes:
- Gross to net conversion: Enter your pay as hourly, daily, weekly, fortnightly, monthly, or annual amounts
- Income tax calculation: Based on 2025-26 tax brackets (no offsets applied)
- Medicare levy: Includes 2% levy and optional surcharge
- Superannuation: Choose whether super is included in or added to your package
- HELP/HECS repayments: Optional estimate if you have a student loan
- Salary sacrifice: Deduct pre-tax contributions to see the tax benefit
- Period breakdowns: View your pay weekly, fortnightly, monthly, and annually
Employers can automate these calculations with payroll integration software that syncs with rostering and timesheets.
How to use the calculator
- Enter your pay amount: Type in what you earn (before tax). For example, $30 per hour, $1,500 per week, or $75,000 per year.
- Select your pay frequency: Choose whether you're paid hourly, daily, weekly, fortnightly, monthly, or annually. If you select "Hourly", you'll be asked for your hours per week.
- Set your super rate: The default is 12% (the minimum Super Guarantee for 2025-26), but you can change it if your employer pays more.
- Choose super included or on top: Tick "My pay includes super" if your package amount already includes the employer super contribution. Leave it unchecked if super is paid on top of your base salary.
- Add advanced options (optional): Expand the "Advanced settings" section to include HELP/HECS debt, Medicare levy surcharge, or salary sacrifice amounts.
- Click "Calculate": Your take-home pay will appear on the right, showing gross pay, tax and Medicare levy deductions, and net pay across different periods.
- Copy, share, or reset: Use the buttons to copy your results, share a link with your settings, or start over with a new calculation.
Learn more about how to calculate payroll from timesheets accurately for your team.
Tax rates used (quick guide)
This calculator uses the Australian Taxation Office (ATO) income tax rates for the 2025-26 financial year. These are the progressive tax brackets applied to your taxable income:
| Taxable income | Tax on this income |
|---|---|
| $0 – $18,200 | Nil |
| $18,201 – $45,000 | 16c for each $1 over $18,200 |
| $45,001 – $135,000 | $4,288 plus 30c for each $1 over $45,000 |
| $135,001 – $190,000 | $31,288 plus 37c for each $1 over $135,000 |
| $190,001 and above | $51,638 plus 45c for each $1 over $190,000 |
Medicare levy: Most taxpayers pay 2% of taxable income. Low-income earners may pay a reduced rate (shade-in applies between 90% and 100% of the threshold).
Medicare levy surcharge: Applies if you don't have private hospital cover and your income exceeds $97,001 (singles) or $194,001 (families). Rates are 1.0%, 1.25%, or 1.5% depending on income tier.
For the most current tax rates and thresholds, visit the ATO website.
Does take-home pay change by state?
Income tax and Medicare levy calculations are the same across all Australian states and territories because they're set by the federal government (ATO). Whether you're in New South Wales, Victoria, Queensland, South Australia, Western Australia, Tasmania, the Northern Territory, or the Australian Capital Territory, the tax rates and thresholds are identical.
What might differ by state:
- Payroll tax: A state-based tax on employers (not employees), so it doesn't affect your take-home pay directly
- Workers compensation premiums: These vary by state and industry, but are paid by employers, not deducted from your wages
- Cost of living: Housing, transport, and other expenses vary significantly by location, affecting how far your net pay goes
- Award rates and conditions: Some state-based awards exist, but most employees fall under national modern awards
In summary, your take-home pay calculation is the same wherever you live in Australia. Differences in net income are usually due to your gross pay, personal circumstances, and tax deductions—not your location.
Superannuation: plus super vs includes super
One of the most common questions about salary in Australia is whether a quoted amount includes or excludes superannuation. This makes a significant difference to your actual take-home pay and total package value.
Super paid on top (most common)
Your advertised salary is your base pay. Your employer adds the Super Guarantee (12% for 2025-26) on top of this amount.
Example:
- Base salary: $75,000
- Super (12%): $9,000
- Total package: $84,000
In this scenario, you receive $75,000 in wages (before tax) and your employer pays $9,000 into your super fund separately.
Super included in package
Your advertised amount is the total package, which includes the employer super contribution. Your actual base salary is lower.
Example:
- Total package: $75,000
- Super (12%): $8,036
- Base salary: $66,964
In this scenario, you receive $66,964 in wages (before tax) and your employer pays $8,036 into your super fund. The total is $75,000.
Why does this matter? If you're comparing job offers, always clarify whether the quoted salary is "plus super" or "including super". A $75,000 package that includes super is actually worth $9,000 less in wages than a $75,000 salary plus super on top.
Use the toggle in the calculator ("My pay includes super") to switch between these two scenarios and see how it affects your take-home pay.
Want to check award wages?
This calculator helps you estimate take-home pay, but it doesn't tell you what you should be paid. Minimum wages in Australia are set by modern awards, which vary by industry, role, and experience level.
To find out the minimum pay rate for your job, use Fair Work's Pay and Conditions Tool (P.A.C.T.):
Fair Work Pay and Conditions Tool (P.A.C.T.)
Find your award and pay rateAlways verify pay rates by checking which award applies to you using Fair Work's tools. Once you know your correct gross pay, return to this calculator to estimate your take-home amount.
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Frequently asked questions
- Take-home pay (net pay) is what you receive after deductions such as income tax and the Medicare levy are removed from your gross pay.
- Yes, the calculator estimates the Medicare levy (2% of taxable income for most earners). You can also add the Medicare levy surcharge if you don't have private hospital cover and earn above the threshold.
- For income tax and Medicare levy, calculations are generally the same across Australia because national tax rules apply. Take-home pay differences are usually due to income levels and personal circumstances, not your state or territory.
- A salary package that includes super means the advertised total includes the employer super contribution. If super is paid on top, your base salary is separate and super is added by your employer. Use the toggle in the calculator to switch between these scenarios.
- Yes. Select "Annual" as your pay frequency, enter your annual salary, and the calculator will show you equivalent weekly, fortnightly, and monthly amounts. You can also work backwards by changing the frequency to "Hourly" and adjusting the amount.
- No, this calculator uses standard tax rates without offsets. Your actual tax may be lower if you're eligible for the Low and Middle Income Tax Offset (LMITO) or Low Income Tax Offset (LITO). Check with the ATO for your specific situation.
- HELP (Higher Education Loan Program) or HECS (Higher Education Contribution Scheme) repayments are compulsory deductions if you have a student loan and your income exceeds the repayment threshold ($54,436 for 2025-26). The calculator can estimate this if you enable the HELP debt option.
- This calculator is designed for individual salary estimates, not employer payroll. For payroll calculations including on-costs, try our Payroll Cost Calculator instead.
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