Take-Home Pay Calculator
See your real take-home pay after tax. Enter your annual salary and instantly get your pay after income tax, Medicare, super and HECS — broken down weekly, fortnightly, monthly and hourly, using FY2026-27 ATO rates.
Tax year
Base salary, super paid on top
Residency status
Salary includes super
Toggle off if super is on top
HECS / HELP debt
Apply FY 2026-27 repayment rates
Salary sacrifice (pre-tax)
Reduces taxable income; added back for HECS
Bonus
Add a performance bonus
Annual take-home pay
$74,080.00
Gross
$95,000.00
Tax + Medicare
$20,920.00
Super (12%)
$11,400.00
HECS
—
Where your salary goes
Annual breakdown of total package
- Take-home$74,080
- Income tax$19,020
- Medicare$1,900
- Super$11,400
Your tax bracket
FY 2026-27 ATO resident rates
30%
marginal rate
In bracket
$45,000 – $135,000
To next bracket
$40,000 away
How your tax was calculated
| Bracket Range | Rate | Tax |
|---|---|---|
| $0 – $18,200 | 0% | $0 |
| $18,200 – $45,000 | 15% | $4,020 |
| $45,000 – $95,000You | 30% | $15,000 |
| Total income tax | $19,020 | |
Pay Period Breakdown
Grouped view · click a category to expand or collapse
Show pay period
| Weekly | Fortnightly | Monthly | Annual | ||
|---|---|---|---|---|---|
| Take-home pay | $1,424.62 | $2,849.23 | $6,173.33 | $74,080.00 | |
| Gross salary | $1,826.92 | $3,653.85 | $7,916.67 | $95,000.00 | |
| Tax & Medicare | -$402.31 | -$804.62 | -$1,743.33 | -$20,920.00 | |
| Superpaid on top, not deducted | $219.23 | $438.46 | $950.00 | $11,400.00 | |
| Taxable income | $1,826.92 | $3,653.85 | $7,916.67 | $95,000.00 | |
| Base salary | $1,826.92 | $3,653.85 | $7,916.67 | $95,000.00 | |
| Salary sacrifice | — | — | — | — | |
| Superannuation | $219.23 | $438.46 | $950.00 | $11,400.00 | |
| Super guarantee (12%) | $219.23 | $438.46 | $950.00 | $11,400.00 | |
| Tax | $402.31 | $804.62 | $1,743.33 | $20,920.00 | |
| Income tax | $365.77 | $731.54 | $1,585.00 | $19,020.00 | |
| Medicare levy (2%) | $36.54 | $73.08 | $158.33 | $1,900.00 | |
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See how PocketSmith worksHow take-home pay is calculated in Australia
Take-home pay is the amount that actually lands in your bank account after deductions are taken from your gross salary. We subtract Australian income tax, the 2% Medicare levy for most residents, and any HECS/HELP repayment if you have a study debt. If your salary is quoted inclusive of super, we also deduct the Super Guarantee amount so you can see the cash component separately.
The calculator supports Australian residents, foreign residents and working holiday makers, each with the correct tax-free threshold and Medicare rules. It also handles salary sacrifice, one-off or recurring bonuses, and the Division 293 high-income super surcharge for earners above the threshold.
FY2026-27 tax brackets
| Taxable income (resident) | Tax rate |
|---|---|
| $0 – $18,200 | 0% (tax-free) |
| $18,201 – $45,000 | 15% |
| $45,001 – $135,000 | 30% |
| $135,001 – $190,000 | 37% |
| $190,001+ | 45% |
The 2% Medicare levy applies on top for most Australian residents.
Frequently asked questions
How is take-home pay calculated from an annual salary?
Take-home pay is your gross annual salary minus income tax, the Medicare levy, HECS/HELP repayments (if applicable), and any superannuation deducted if your salary includes super.
What tax rates are used for FY 2026-27?
The 2026-27 Australian tax brackets are: 0% up to $18,200, 15% from $18,201 to $45,000, 30% from $45,001 to $135,000, 37% from $135,001 to $190,000, and 45% above $190,000.
Does this calculator include superannuation?
Yes. You can toggle whether your entered figure includes the 12% Super Guarantee or if super is paid on top. The calculator adjusts taxable income and take-home accordingly.