Pay Calculator
Work out your take-home pay after Australian income tax, Medicare levy, HECS-HELP and superannuation. Updated for FY 2025-26.
Calculate Your Take-Home Pay
Enter your salary details to estimate your net pay after tax, Medicare, HECS-HELP and superannuation contributions. All figures use ATO rates for the financial year ending 30 June 2026.
$
%
Net Pay per period$0.00
Annual Take-Home$0
Annual Super$0
Per-period breakdown
Gross pay$0.00
Income tax + Medicare$0.00
Employer super (on top)$0.00
Disclaimer: This calculator uses ATO PAYG tax rates and HECS-HELP thresholds for FY 2025-26. It assumes the full tax-free threshold is claimed and applies the Low Income Tax Offset (LITO) automatically. Results are estimates only; your actual pay may differ based on salary sacrifice, deductions, fringe benefits, additional tax offsets or PAYG variation arrangements.
Frequently Asked Questions
Yes. The calculator uses the FY 2025-26 ATO tax brackets which include the legislated Stage 3 tax cuts. The first marginal rate is 16% (from $18,201), and the second is 30% (from $45,001 up to $135,000).
Most Australian employment contracts pay your salary plus superannuation on top. Some package roles quote a total figure that includes super. Choose the option that matches your contract so your take-home pay is calculated correctly.
The Superannuation Guarantee (SG) rate is 12.0% for FY 2025-26. This is the minimum compulsory employer contribution. You can adjust the rate if your employer pays a higher amount.
HECS-HELP is repaid through the tax system once your repayment income exceeds the threshold (currently around $67,000 for FY 2025-26). Repayments are calculated as a percentage of your total income, ranging from 1.0% to 10.0% depending on income level.
LITO reduces tax payable for individuals on lower incomes. The maximum offset is $700 for incomes up to $37,500, phasing down to zero at $66,667. This calculator applies LITO automatically for resident taxpayers.
Lenders assess your loan repayment capacity based on income remaining after tax, Medicare, HECS-HELP and living expenses. Knowing your true take-home pay is the first step in understanding what you can afford. Try our Borrowing Power Calculator next, or get in touch with David for a tailored assessment.
Know What You Can Afford?
Now that you know your take-home pay, see how much you could borrow with David’s Borrowing Power Calculator, or get in touch for a personalised mortgage strategy.