Wage Calculator Australia: Take-Home Pay After Tax
Enter any wage and see what actually lands in your account, for every pay cycle at once. Income tax, the Medicare levy and super are shown separately, and updated for the 2026-27 financial year.
Your pay
LivePay cycle
Sets which cycle the figure above describes.
Adjustments
Single Australian resident for tax purposes, no HECS/HELP debt and no Medicare levy surcharge. Every figure runs in your browser.
Gross pay
$90,000
Before tax, before super
Tax withheld
$19,320
Income tax plus the Medicare levy
Employer super
$10,800
Paid on top, not deducted
Take-home pay
$70,680
What lands in your account
Your pay, every cycle
Take-homePer fortnight
$2,718
The usual pay cycle
Per week
$1,359
52 weeks a year
Per hour
$35.77
At 38 hours a week
What your gross pay is made of
- Take-home pay$70,68078.5%
- Income tax$17,52019.5%
- Medicare levy$1,8002.0%
The ring is your gross pay of $90,000 being divided up. Superannuation is not in it, because your employer pays the $10,800 of super on top of that figure rather than taking it out.
Pay breakdown
Gross $90,000| Component | Amount | Share |
|---|---|---|
| Gross pay | $90,000 | 100.0% |
| Income tax | - $17,520 | 19.5% |
| Medicare levy | - $1,800 | 2.0% |
| Take-home pay | $70,680 | 78.5% |
| Employer super, paid on top | $10,800 | n/a |
Share is measured against gross pay. Income tax is shown after any offset. Super sits outside the total because it is an employer cost, not a deduction.
Rates applied
Assumed- Tax scale
- Resident, 2026-27
- Medicare levy
- 2%, 2025-26 thresholds carried forward
- Super guarantee
- 12%, on top
- Next dollar taxed at
- 30.0%
The ATO has not published 2026-27 Medicare levy reduction thresholds. The 2025-26 thresholds are carried forward here and marked assumed rather than invented. See the Methodology page.
Your take-home is $268 higher under 2026-27 than 2025-26.
Take-home pay
$70,680
Per fortnight
$2,718
- Updated 2026-09-06
- 2026-27 and 2025-26
- No sign-up
- Every rate traced to the ATO
- Runs in your browser
How much of your pay do you actually keep?
Your gross wage is reduced by two things before it reaches your account: PAYG income tax and the Medicare levy. Superannuation is paid on top by your employer rather than deducted, so a salary of $90,000 with 12% super costs your employer $100,800 but is taxed on $90,000.
The numbers this calculator runs on.
Every figure below is read straight from the rate table this site publishes, so the page and the calculator can never disagree.
$18,200
Tax-free threshold
ATO resident scale
45c
Top marginal rate
Above $190,000
12%
Super guarantee
Paid on top of salary
2%
Medicare levy
Of taxable income
16c to 15c
Second bracket, 2026-27
Down from 2025-26
$190,000
Where 45c starts
Resident, 2026-27
How Australian take-home pay is worked out.
The same five steps the calculator runs, in the open. No black box.
The formula
take-home = gross - income tax - medicare levy income tax applied in slices, by bracket medicare levy 2% of taxable income super gross x 12%, paid on top, never subtracted
- 1Convert to an annual figure. An hourly, weekly or fortnightly wage is first annualised, because income tax is worked out on a year, not a pay cycle.
- 2Apply the brackets in slices. Each slice of income is taxed at its own rate. Only the part inside a bracket pays that bracket rate.
- 3Add the Medicare levy. 2% of taxable income, shading in from zero across the low-income thresholds rather than switching on at once.
- 4Do not subtract super. The Superannuation Guarantee is an employer cost paid on top of your salary. It never comes out of take-home pay.
- 5Divide back to your cycle. The annual result is split across every pay cycle at once, so a fortnightly and an hourly figure always agree.
Take-home pay by salary.
For 2026-27, for a single Australian resident with no study loan debt and no Medicare levy surcharge.
| Gross salary | Income tax | Medicare | Take-home | Per fortnight |
|---|---|---|---|---|
| $50,000 | $5,520 | $1,000 | $43,480 | $1,672 |
| $60,000 | $8,520 | $1,200 | $50,280 | $1,934 |
| $70,000 | $11,520 | $1,400 | $57,080 | $2,195 |
| $80,000 | $14,520 | $1,600 | $63,880 | $2,457 |
| $100,000 | $20,520 | $2,000 | $77,480 | $2,980 |
| $120,000 | $26,520 | $2,400 | $91,080 | $3,503 |
| $150,000 | $36,570 | $3,000 | $110,430 | $4,247 |
| $200,000 | $55,870 | $4,000 | $140,130 | $5,390 |
What comes out of your pay.
Australia taxes income progressively, so each slice is taxed at its own rate. A summary of the 2026-27 resident rates is below. The full table, the tax owed at each threshold and the bracket-by-bracket working are on Tax Brackets and Income Tax Calculator.
- $0 to $18,200Nil
- $18,201 to $45,00015c per dollar
- $45,001 to $135,00030c per dollar
- $135,001 to $190,00037c per dollar
- $190,001 and over45c per dollar
Source: ATO, Tax rates for Australian residents, last updated 2026-08-13. See Methodology for every rate this site uses.
Other pay and tax calculators.
№ 01
Income Tax Calculator
Work out income tax, the Medicare levy and the low income tax offset on any salary for 2026-27, with the bracket-by-bracket working shown.
№ 02
Reverse Pay Calculator
Enter the take-home pay you need and see the gross salary required to reach it, with income tax, the Medicare levy and super shown separately.
№ 03
Hourly Rate Calculator
Convert an hourly rate to a weekly, fortnightly or annual salary and back again, with take-home pay after income tax and the Medicare levy.
№ 04
Pro Rata Salary Calculator
Work out a part-time salary from a full-time figure and the hours actually worked, with take-home pay after income tax and the Medicare levy.
№ 05
HECS Repayment Calculator
Work out your compulsory HECS, HELP or STSL study loan repayment for 2026-27 on the marginal thresholds that replaced the old flat-rate tables.
№ 06
Medicare Levy Surcharge Calculator
Work out whether the Medicare levy surcharge applies to you and what it costs, with the 2026-27 single and family thresholds.
№ 07
Division 293 Calculator
Work out Division 293 tax on concessional super contributions once income plus contributions passes the $250,000 threshold.
№ 08
Annual Leave Calculator
Work out annual leave accrued in hours, days and dollars under the four-week National Employment Standards entitlement.
№ 09
Leave Loading Calculator
Work out annual leave loading on a period of leave, and check whether the 17.5% figure actually applies to you.
№ 10
Overtime Calculator
Work out a week mixing ordinary hours, time and a half and double time, and see what the overtime portion is worth.
№ 11
Casual Loading Calculator
Convert a permanent base hourly rate into a casual rate with loading, and see what the loading is worth each week.
№ 12
Work Hours Calculator
Turn a daily pattern into paid hours a week after unpaid breaks, and see what those hours are worth after tax.
№ 13
Pay Rise Calculator
See what a pay rise is worth after tax, how much of a salary increase you keep at your marginal rate, and the extra super paid on top.
№ 14
Salary Comparison Calculator
Compare two job offers on take-home pay, with a package that includes super grossed down so the comparison is like for like.
№ 15
Super Guarantee Calculator
Work out the superannuation your employer must pay on top of your wage at the 12% guarantee rate for 2026-27.
№ 16
Fortnightly Pay Calculator
Work out fortnightly take-home pay from an annual salary, with income tax, the Medicare levy and super shown separately.
№ 17
Weekly Pay Calculator
Work out weekly take-home pay from an annual salary, with income tax and the Medicare levy shown as separate weekly amounts.
№ 18
Salary Sacrifice Calculator
See what salary sacrificing into super saves in tax and costs in take-home pay, with the 15% contributions tax netted off.
What this calculator includes, and what it does not model.
Published in full, because an estimate you cannot check is worth nothing. What is missing is listed as plainly as what is there. Study loan repayments and the Medicare levy surcharge are deliberately kept off this page and given their own calculators, because both are worked out on a different income figure than your salary: HECS Repayment Calculator and Medicare Levy Surcharge Calculator.
| Component | Status | Note |
|---|---|---|
| PAYG income tax on the resident scale | ✓ Included | Every bracket, both years |
| Medicare levy with the shade-in band | ✓ Included | Not a flat 2% |
| Super shown separately, never deducted | ✓ Included | Paid on top |
| Low Income Tax Offset | ✓ Included | Optional, off by default |
| Super-inclusive package handling | ✓ Included | Grossed down correctly |
| HECS/HELP and STSL repayments | — Not modelled | On its own calculator page |
| Medicare levy surcharge | — Not modelled | On its own calculator page |
| Foreign resident and working holiday scales | — Not modelled | Resident scale only |
The floor under your hourly rate.
Tax decides what you keep. An award decides what you are owed in the first place, and the two are worked out by different bodies under different rules. If a modern award covers your job, your rate has a legal floor set by the Fair Work Commission that moves every 1 July, and no agreement can pay under it.
$26.44
National Minimum Wage
$1,004.90 a week, for jobs no award covers
$33.05
The same wage, casual
25% casual loading, published by Fair Work
Up to 2x
Penalty rates
Weekends, nights and public holidays, set per award
A minimum wage is not a take-home figure: the calculator above turns an award rate into what actually lands in your account. Rates by industry are in Award Pay Rates, rates by job title are in Pay Rates by Occupation, and changes as they are handed down are in Pay Rate News. Every award figure carries the clause it came from and the date we read it.
Source: Fair Work Ombudsman, award and agreement free wages, last updated 2026-08-07, retrieved 2026-09-11. Applies from 2026-07-01.
Pay calculator questions, answered.
How do you calculate take-home pay?
Take-home pay is your gross pay less PAYG income tax and the Medicare levy. Superannuation is not subtracted, because your employer pays it on top of your salary. Because income tax is progressive, an hourly, weekly or fortnightly figure is first converted to its annual equivalent, the brackets are applied, and the result is divided back to your pay cycle.
How is income tax calculated in Australia?
Australia taxes income in slices, not at one flat rate. For 2026-27 the first $18,200 is tax free, income from $18,201 to $45,000 is taxed at 15c in the dollar, $45,001 to $135,000 at 30c, $135,001 to $190,000 at 37c, and anything above $190,000 at 45c. Only the slice inside each bracket is taxed at that bracket rate.
Did tax rates change for 2026-27?
Yes. The second bracket rate fell from 16c in the dollar in 2025-26 to 15c in 2026-27, which lowers tax for everyone earning above the tax-free threshold. Switch the financial year in the calculator to see the difference on your own income.
Is superannuation taken out of my pay?
No. The Superannuation Guarantee is an employer cost paid on top of your salary, currently 12% of your earnings for 2026-27. An advertised salary is normally the base figure before super. Some offers instead quote a total remuneration package that bundles super into the headline number, so check the wording, and use the "amount includes super" switch if yours does.
What is the Medicare levy?
The Medicare levy is 2% of taxable income. You pay nothing below the lower threshold, a reduced amount that shades in between the lower and upper thresholds, and the full 2% above the upper threshold. The levy is separate from the Medicare levy surcharge, which applies to higher earners without private hospital cover.
Does this calculator include HECS or HELP repayments?
Not this one. Compulsory study loan repayments are worked out on repayment income, which is a different and usually larger figure than salary, so folding them into a wage calculator would mislead. They have a dedicated page with the ATO thresholds instead. If you have a study loan, your actual take-home is lower than the figure shown here by the repayment amount.
Why does my payslip differ from this figure?
Payroll withholds tax using the ATO withholding schedules for your pay cycle, which are rounded and which ignore offsets like the Low Income Tax Offset. This calculator works out your annual position instead, so small differences per cycle are normal and usually settle when you lodge your return.
What is the take home pay for $90,000 in Australia?
For 2026-27, $90,000 leaves $70,680 after income tax and the Medicare levy, which is $2,718.46 a fortnight or $1,359.23 a week. That is $17,520 of income tax plus $1,800 of Medicare levy. A study loan repayment or the Medicare levy surcharge would reduce it further.
How much tax do I pay on $1,200 a week in Australia?
A $1,200 week is $62,400 a year. For 2026-27 that attracts $9,240 of income tax plus $1,248 of Medicare levy, so about $201.69 a week comes out and roughly $998.31 lands in your account. Your payslip will differ by a few dollars because the ATO weekly schedule rounds to the dollar.
Is my salary sent anywhere?
No. Every figure is calculated in your browser. Nothing you type is sent to a server, logged or stored, and it clears when you close the tab. The share URL puts your inputs in the page fragment, which browsers never send with a request.
Pay and tax terms, defined.
The words that appear on a payslip and in the calculator above.
PAYG withholding
Tax your employer takes out of each pay and sends to the ATO on your behalf, using the ATO withholding schedules.
Medicare levy
2% of taxable income that funds public health care, reduced or removed below the low-income thresholds.
Superannuation Guarantee
The minimum super an employer must pay on top of your salary. 12% of qualifying earnings for 2026-27, the base that replaced ordinary time earnings when Payday Super started on 1 July 2026.
Marginal rate
The rate applied to your next dollar earned. Not the rate you pay on your whole income.
Effective rate
Total tax divided by gross pay. Always lower than the marginal rate, because earlier slices are taxed less.
Ordinary time earnings
The earnings base super is calculated on. Ordinary hours, loadings and most allowances, but not overtime.
Total remuneration package
A salary figure quoted with super already inside it. The taxable salary is the package grossed down by the super rate.
Low Income Tax Offset
A non-refundable offset of up to $700 that reduces tax at assessment. It does not change your payslip.
About the editorial team.
Wage Calculator editorial team
Research and editorial
We document how Australian pay, tax and superannuation actually work and turn that into plain-English calculators. Every rate, threshold and bracket published here is traced back to a named primary source on ato.gov.au or fairwork.gov.au, with that source’s own last-updated date and the date we retrieved it. We are not registered tax agents and nothing on this site is tax advice. Speak to a registered tax agent about your own position.
Last reviewed 2026-09-06 · Editorial Policy
Sources
- 1.Tax rates for Australian residentsATOSource updated 2026-08-13, retrieved 2026-09-02
- 2.Medicare levy reduction for low-income earnersAssumedSource updated 2026-06-30, retrieved 2026-09-02
- 3.Low Income Tax OffsetATOSource updated 2026-06-08, retrieved 2026-09-02
- 4.Super guarantee rate and thresholdsATOSource updated 2026-04-17, retrieved 2026-09-02
- 5.Study and training loan repayment thresholds and ratesATOSource updated 2026-06-30, retrieved 2026-09-11
- 6.Medicare levy surcharge income, thresholds and ratesATOSource updated 2026-06-22, retrieved 2026-09-11
- 7.Division 293 thresholdATOSource updated 2026-08-07, retrieved 2026-09-11
- 8.National Minimum WageFair WorkSource updated 2026-08-07, retrieved 2026-09-11
- 9.Annual leave, National Employment StandardsFair WorkSource updated 2026-08-07, retrieved 2026-09-11
- 10.Annual leave loadingFair WorkSource updated 2026-08-10, retrieved 2026-09-11
Figures marked Assumed have not been published for 2026-27 yet. They are the prior year’s figures carried forward and labelled as such, rather than estimated. They are corrected as soon as the ATO publishes.
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