Pay Calculator Australia 2025-26
Enter your salary to see your after-tax take-home pay instantly. Includes income tax, Medicare levy, Medicare levy surcharge, HECS-HELP repayments, and superannuation.
Last verified: 5 May 2026Reviewed by the Savings Mate editorial team — figures fact-checked against the ATO, Services Australia and ASIC MoneySmart.
What's my take-home pay on $X in Australia?
Take-home pay = gross − income tax − 2% Medicare levy − optional HECS (1-10%) − MLS (if no private cover). 2025-26 resident brackets: nil to $18,200; 16% to $45,000; 30% to $135,000; 37% to $190,000; 45% above. Super (12%) is paid by your employer on top. Source: Australian Taxation Office.
Popular Salary Breakdowns
See take-home pay for common Australian salaries:
General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.
Related reading
Should you salary sacrifice into super? Learn how it works, who benefits (32.5%+), and how to use the $30K cap for 2026.
Pay LMI or Wait for 20% Deposit? (Calculator)LMI vs. 20% deposit in 2026: Should you pay LMI now or wait? We run the numbers for you.
Every Money Change From 1 July 2026 (Tax Cut, Payday Super, Higher Caps)1 July 2026 brings an income tax cut, payday super, and higher super caps. Here's every change to your money — and what to do before and after.
HECS-HELP Repayment Thresholds 2025-26: When & How Much You RepayRepayments start at $67,000 income under the new marginal system. Current HECS-HELP thresholds, rates, indexation changes, and ways to pay it off faster.