Free salary & pay calculator for Australia
Estimate your take-home pay after tax, Medicare levy and superannuation for 2025–26. Convert an hourly rate to annual, or an annual salary to weekly, fortnightly and monthly.
This calculator provides general estimates only and is not financial, tax or legal advice. Results are indicative and may differ due to tax offsets (such as LITO), additional deductions or personal circumstances. Calculations use 2025-26 Australian tax rates and Super Guarantee requirements — always verify current rates at ato.gov.au. It does not constitute legal, HR, or professional advice and should not be relied on as a substitute for advice specific to your business, workforce, or circumstances.
Enter your details
Enter your pay and frequency. Add HELP debt, Medicare surcharge or salary sacrifice in the advanced options.
Your results
Estimates only — verify before making decisions.
What this calculator shows
This calculator estimates your take-home pay (net pay) — what you actually receive after income tax, the Medicare levy and, optionally, HELP/HECS repayments. It converts between pay frequencies, splits out superannuation, and shows weekly, fortnightly, monthly and annual figures side by side.
Use it to convert an hourly rate to an annual salary, compare a package that includes super against one where super is paid on top, or see how salary sacrifice changes your taxable income. For employer-side costs (super, leave and on-costs), use the payroll cost calculator instead.
Superannuation: plus super vs includes super
A $75,000 package that includes super is worth $9,000 less in wages than a $75,000 salary plus super on top. Toggle “My pay includes super” to switch between these.
Super paid on top
Base salary $75,000 + super (12%) $9,000 = total package $84,000. You receive $75,000 in wages (before tax) and your employer pays $9,000 into super separately.
Super included in package
Total package $75,000 − super (12%) $8,036 = base salary $66,964. You receive $66,964 in wages (before tax) and $8,036 goes to super. The total is $75,000.
Tax rates used (2025–26)
This calculator uses the resident individual income tax rates for 2025–26:
| 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 |
A Medicare levy of 2% applies to most taxpayers above the low-income threshold, with a shade-in between roughly 90% and 100% of the threshold. The Medicare levy surcharge (1.0–1.5%) applies if you don’t have private hospital cover and earn above the relevant threshold. Rates change regularly — always confirm current figures at ato.gov.au.
Does take-home pay change by state?
For income tax and the Medicare levy, calculations are the same across Australia because national tax rules apply — your state or territory does not change them. Differences in take-home pay usually come from income level and personal circumstances, not location. (Payroll tax, workers’ compensation and award rates do vary by state, but those are employer costs, not personal deductions.)
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Frequently asked questions
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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.
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Yes. Select “Annual” as your pay frequency and enter your salary to see equivalent weekly, fortnightly and monthly amounts. You can also work backwards by choosing “Hourly” and entering your rate and hours per week.
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For income tax and the Medicare levy, calculations are generally the same across Australia because national tax rules apply. Differences usually come from income level and personal circumstances, not your state or territory.