Salary Calculator Australia
Calculate your Australian take-home pay with PAYG income tax, Medicare levy, HECS-HELP, and Super. Updated for 2025–26 ATO rates.
Net annual pay
$73,812
22.3% deducted from gross
Monthly
$6,151
Fortnightly
$2,839
Weekly
$1,419
Marginal rate
30.0%
Total cost to employer: $105,925
Includes $10,925 in employer contributions on top of your salary.
Full breakdown
Every line item that affects your gross-to-net.
| Item | Annual | Monthly |
|---|---|---|
| Gross salary | $95,000 | $7,917 |
| Income tax (PAYG, Standard PAYG) | $19,288 | $1,607 |
| Medicare levy (2%) | $1,900 | $158 |
| Super (11.5%, employer-paid) On top of your salary — not deducted from take-home. | $10,925 | $910 |
| Net annual take-home | $73,812 | $6,151 |
Worked example
A typical Sydney software engineer earning $140,000 gross with a HECS debt:
- Income tax (PAYG): ~$33,138
- Medicare levy (2%): ~$2,800
- HECS-HELP repayment (8%): ~$11,200
- Net take-home: ~$92,862 (~$7,738/month)
- Super (11.5% on top): $16,100 — not deducted from take-home
- Total employer cost: ~$156,100
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Frequently Asked Questions
How is my Australian take-home pay calculated?▾
Your gross salary has three main deductions taken out before you see it: PAYG income tax (using ATO brackets), the 2% Medicare levy, and HECS-HELP repayment if you have a student debt. Super (11.5%) is paid by your employer on top of your salary — it doesn't reduce your take-home. The Low Income Tax Offset (LITO) of up to $700 also gets applied automatically if your income is under $66,667.
What is the Medicare levy and who pays it?▾
The Medicare levy is 2% of your taxable income above ~$26,000, and funds Australia's public healthcare system. Higher earners without private hospital cover also pay the Medicare Levy Surcharge (1–1.5%) — that's not shown in this calculator. If you're a low-income earner ($26k or below), you may be exempt.
How does HECS-HELP repayment work?▾
HECS-HELP repayment is income-contingent — you pay nothing if you earn under $54,435 (2025–26), then progressive rates from 1% to 10% based on your income band. The rate applies to your entire income, not just the amount over the threshold. Repayments are made automatically through PAYG withholding, so your tax return reconciles at year-end.
Is Super part of my salary or extra?▾
Super (11.5% of Ordinary Time Earnings, rising to 12% from 1 July 2025) is paid by your employer ON TOP of your salary into your super fund — it doesn't reduce your take-home pay. Some employment contracts quote a 'package' figure including super; always confirm whether your offer is 'salary + super' or 'salary inclusive of super'.
What's the difference between gross and net pay?▾
Gross is your headline salary before any deductions. Net (or 'take-home') is what actually lands in your bank account each pay — gross minus PAYG tax, Medicare levy, and HECS if applicable. On a $95,000 gross salary, you'd take home roughly $73,000–$75,000 depending on whether you have a HECS debt.
Does this calculator include the Low Income Tax Offset (LITO)?▾
Yes. LITO is $700 for taxable incomes up to $37,500, tapers down to $325 at $45,000, then to zero by $66,667. The calculator applies LITO automatically and shows the impact in the income-tax line note.
What about salary sacrificing into super?▾
Salary sacrificing into super lets you contribute up to the concessional cap ($30,000/year in 2025–26) at the 15% super tax rate instead of your marginal income tax rate (often 30%+). The result: you keep more money compounding in super. This calculator doesn't model salary sacrifice — try our Super / Retirement Calculator instead.