How to Use the Take Home Pay Calculator Australia
- Enter your salary and choose how it's paid: annually, monthly, fortnightly or weekly.
- Tick "My salary includes super" if your pay is a package that includes super, and tick the HECS-HELP box if you have a study loan.
- Select Calculate to see your take-home pay, broken down by income tax, Medicare levy and HELP repayments.
How Take-Home Pay Is Calculated in Australia
Your take-home pay (also called net pay) is the money that actually lands in your bank account. Starting from your gross salary, this calculator subtracts three things: income tax, the Medicare levy and, if you have a student loan, your HECS-HELP repayment. Your employer's super is paid on top of your salary into your super fund, so it doesn't reduce your take-home pay.
2026–27 Australian Income Tax Brackets
Australia has a progressive tax system: each rate applies only to the part of your income that falls inside that bracket, not to your whole salary. From 1 July 2026, the rate on income between $18,201 and $45,000 dropped from 16% to 15%. These are the rates for Australian residents:
| Taxable income | Tax rate |
|---|---|
| $0 – $18,200 | Nil |
| $18,201 – $45,000 | 15% |
| $45,001 – $135,000 | 30% |
| $135,001 – $190,000 | 37% |
| $190,001 and over | 45% |
If you earn less than about $66,667, the low income tax offset (worth up to $700) also reduces your tax. The calculator applies this automatically. See the full tax breakdown with our Income Tax Calculator Australia. Source: ATO — tax rates for Australian residents.
Medicare Levy
Most residents pay a Medicare levy of 2% of their taxable income, which helps fund the public health system. If you are single and earn $28,011 or less, you pay no levy, and just above that amount it is phased in gradually. Source: ATO — Medicare levy.
HECS-HELP Repayments
If you have a HECS-HELP or other study loan, compulsory repayments begin once your income passes $69,528. You repay 15 cents for each dollar above that threshold, rising to 17 cents per dollar above $129,717. Repayments never exceed 10% of your total income. Work out your repayment alone with our HECS-HELP Repayment Calculator. Source: ATO — study and training loan repayment thresholds and rates.
Super Guarantee
Your employer must pay at least 12% of your ordinary earnings into your super fund. On a $100,000 salary that is $12,000 a year, paid on top of your pay. Check how much super you're accruing with our Super Calculator Australia. Source: ATO — super for employers.
For example, on a $100,000 salary, income tax is $20,520 and the Medicare levy is $2,000. That leaves take-home pay of $77,480 a year, or about $1,490 a week.
Converting Between Pay Periods
Job ads, payslips and contracts don't always quote pay the same way, so it helps to know how the periods relate. A year has 52 weeks and 26 fortnights, but only 12 months — so multiplying a monthly figure by 12 gives your annual salary, while multiplying a fortnightly figure by 26 does the same. Weekly and fortnightly amounts scale simply (fortnightly is roughly double weekly), but monthly doesn't divide evenly into weeks, which is why a "per week" figure calculated from a monthly salary will look slightly different from one calculated directly from a weekly rate. This calculator does the conversion for you in either direction — enter your pay in whichever period you know it, and it works out the rest.
Trying to make sense of your actual payslip against this result? See our How to read your payslip.