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Final Pay Calculator

Work out what you are owed when a job ends in 2026-27, and the tax withheld from each part. Final pay is the wages you have earned since your last pay and your unused annual leave, with leave loading if you get it when you take leave. Depending on how the job ends, it can also include pay in lieu of notice, redundancy pay and long service leave. The ATO taxes each of these under a different schedule, so the result is itemised, with the total you can expect in your account.

Your details

Sets the notice you give when you resign, and what can be deducted if you give less.

Your base rate for ordinary hours, without overtime, penalties, allowances or bonuses. Wages owed, leave and redundancy pay are worked out from it.

A normal week with the loadings, allowances, overtime and penalty rates you usually get. Notice paid out is at this full rate, and the ATO uses it as your normal earnings when taxing leave.

Time worked up to your last day that has not been paid yet.

The balance on your last payslip, plus anything accrued since.

17.5% is the common rate. Some awards pay a shiftworker the higher of that and their usual shift loading.

0 to 11. Notice bands turn on more than a whole number of years.

The dollar amount, if any is owed. State law decides it, and the Long Service Leave Calculator works it out. Leave accrued after 17 August 1993.

Final pay after tax withheld

$2,656.00

Wages for 22.8 hours at $31.58
$720.00
Withheld from wages, Schedule 1
$0
Annual leave, 76 hours at your base rate
$2,400.00
Leave loading at 17.5%
$420.00
Withheld from leave, Schedule 7 marginal rates
$884
Notice you give, worked as normal
3 weeks, clause 37.1(b)
Final pay before tax
$3,540.00
Total tax withheld
$884
Final pay after tax withheld
$2,656.00
When it is due
Within 7 days of your last day under most awards

On a resignation you work your notice and are paid for it as normal wages, so nothing extra is paid in lieu. Each part is withheld under its own ATO schedule. This is the withholding, not your final tax, which is settled when you lodge.

Worked examples, with the arithmetic.

The same sums the tool runs, on real figures. Every number below is computed by the tested engine from the published rates, so the prose and the tool can never disagree.

What is in my final pay when I resign on $1,200 a week?

22.8 hours x $31.58               = $720.00 wages
76 hours of leave x $31.58        = $2,400.00
plus 17.5% loading                = $420.00
withheld from wages, Schedule 1   = $0
withheld from leave, Schedule 7   = $936
$3,540.00 - $936                  = $2,604.00 paid

Three days of unpaid wages, 22.8 hours at $31.58, come to $720.00, and two weeks of unused annual leave with 17.5% loading comes to $2,820.00. On a fortnightly pay with the tax-free threshold, $0 is withheld from the wages and $936 from the leave, which Schedule 7 spreads over 26 pays to find your marginal rate. Of $3,540.00, $2,604.00 is paid. You work your notice, so nothing is paid in lieu.

How much tax comes out of a final pay with notice paid out?

3 years 4 months of service       = 3 weeks of notice
3 x $1,350 full rate              = $4,050.00
$4,050.00 x 32%                   = $1,296 withheld, an ETP
wages and leave, as above         = $884 withheld
$7,590.00 - $2,180                = $5,410.00 paid

Dismissed instead, after 3 years and 4 months, someone on the same base pay is owed 3 weeks of notice under the National Employment Standards. Paid out at a full rate of $1,350 a week, that is $4,050.00, an employment termination payment withheld at 32%: $1,296. With the wages and leave, the final pay is $7,590.00 before tax and $5,410.00 after $2,180 is withheld. The notice pay is due on or before the last day.

What is in a final pay after a genuine redundancy?

6 years: 11 weeks x $1,500        = $16,500.00
tax-free up to $54,404            = nothing withheld
152 hours of leave with loading   = $7,050.00
$7,050.00 x 32%                   = $2,256 withheld
$23,550.00 - $2,256               = $21,294.00 paid

Six years of service is 11 weeks of redundancy pay under the National Employment Standards, $16,500.00 at $1,500 a week, all under the $54,404 tax-free limit for 6 completed years. Four weeks of unused leave with loading, $7,050.00, is withheld at a flat 32% on a genuine redundancy, $2,256. With notice worked, the final pay is $21,294.00 after withholding.

How does the ATO tax a final pay with long service leave in it?

normal week $1,155                = $188 withheld
long service leave, three periods = $22,020
withheld from it                  = $6,786
final pay week                    = $6,974 withheld

The ATO's Schedule 7 example is Norman, who retires with $22,020 of long service leave accrued across three periods and a normal week of $1,155. $188 is withheld from the week's pay and $6,786 from the leave, $6,974 in all, the figure the ATO prints. This calculator reproduces it in its test suite.

Is this accurate, and how does it work?

The method is published rather than described. Nothing here is a black box, and the limits are listed as plainly as the workings.

  1. 1Pay the time already worked. Wages are owed for every hour worked up to the last day, at the rates that apply to those hours, so penalty rates, overtime and allowances count. The employer withholds from them as from any other pay, using the Schedule 1 tax table for your pay cycle.
  2. 2Pay out unused annual leave, with loading if you get it. Section 90(2) of the Fair Work Act requires unused annual leave to be paid out at what you would have been paid had you taken it. That includes leave loading if you are paid it when you take leave, and the Fair Work Ombudsman says it is paid out on termination even where an award, enterprise agreement or contract says it is not. 17.5% is the common rate. Sick and carer's leave is not paid out. Schedule 7 withholds from the leave at your marginal rate on a resignation or dismissal, and at a flat 32% on a genuine redundancy. The Annual Leave Calculator works out a leave payout on its own.
  3. 3Add notice, worked or paid out. When an employer ends the job it must give 1 week for up to 1 year of service, 2 weeks for more than 1 and up to 3 years, 3 weeks for more than 3 and up to 5 years and 4 weeks for more than 5 years, plus 1 week for an employee over 45 with at least 2 years of service. Notice worked is paid as normal wages. Notice paid out is at your full rate of pay and is an employment termination payment, withheld at 32% up to the smaller of the ETP cap and the whole-of-income cap, or 17% from age 60. When you resign, you give the notice your award sets and work it. The Notice Period Calculator finds both periods, and the ETP Tax Calculator handles other termination payments such as a golden handshake.
  4. 4Add redundancy pay on a genuine redundancy. The National Employment Standards pay 4 to 16 weeks at your base rate, by completed years of service, unless the employer has fewer than 15 employees. A genuine redundancy payment is tax-free up to $13,598 plus $6,801 for each completed year in 2026-27, and the rest is an ETP that uses the ETP cap only. The Redundancy Calculator shows the scale year by year.
  5. 5Add long service leave if it is owed. Whether long service leave is paid on leaving, and how much, is set by state and territory law, and some states pay pro rata leave only for certain reasons. Enter the amount the Long Service Leave Calculator gives you. Leave accrued after 17 August 1993 is withheld from in the same way as annual leave.
  6. 6Check when it is due. Your award or enterprise agreement sets when final pay is due, and the Fair Work Ombudsman says most awards require it within 7 days after the last day of employment. Pay in lieu of notice is due before or on the day of termination, under the NES. Where no award or agreement sets a time, the Fair Work Act requires pay at least monthly.

What this does not cover.

  • Full-time and part-time employees only. A casual employee is owed wages for the time worked, with no notice, redundancy pay or paid annual leave, unless an award, agreement or contract adds them.
  • Notice and the short-notice deduction come from the 25 awards the Notice Period Calculator covers, or the National Employment Standards. Enterprise agreements and contracts are not read. Under the Hospitality award clause 41.1(g), an employer may pay out the notice an employee gives, which is not modelled.
  • Award extras the Fair Work Ombudsman lists for final pay, such as untaken rostered days off, time off instead of overtime and annual leave taken in advance, are not modelled.
  • One usual gross pay figure is used for both the full rate of pay on notice paid out and the normal earnings Schedule 7 needs. If your pay varies, use an average week.
  • A redundancy is treated as genuine, before age pension age, with no agreement to re-employ you. A non-genuine redundancy payment is an ETP under the whole-of-income cap, which the ETP Tax Calculator handles.
  • Leave is taken as accrued after 17 August 1993. Annual leave and long service leave each go through the marginal rate calculation on their own, as the ATO sets out the steps for each.
  • It assumes you are an Australian resident who has given your employer a tax file number. Study loan amounts are left out: Schedule 7 says none is withheld from unused leave, and the wages owed are shown without the study loan component.
  • Figures are Schedule 1, Schedule 7 and Schedule 11 withholding on payments made in 2026-27, not your final tax.

Where these figures come from.

Every rate this site uses is listed on the Methodology page.

Common questions.

What is included in final pay?

Wages for the hours you worked since your last pay, including penalty rates and allowances, and any unused annual leave, with leave loading if you would have been paid it on leave. Where it applies, final pay also includes pay in lieu of notice, redundancy pay and accrued or pro rata long service leave. Unused sick and carer's leave is not paid out.

What is in my final pay when I resign?

Wages up to your last day and your unused annual leave, with loading if you get it on leave. You give your employer the notice your award sets and work it as normal, so there is no pay in lieu and no redundancy pay. Long service leave is paid only if your state's law pays it on a resignation at your length of service. If you give less notice than the award requires, most awards let your employer deduct up to 1 week of wages from age 18, but only from wages owed under the award, never from your leave.

When do I get my final pay?

Within 7 days after your last day under most awards, and an enterprise agreement can set its own time. Pay in lieu of notice must be paid before or on the day of termination. If no award or agreement covers you, the Fair Work Act requires pay at least monthly. The Fair Work Ombudsman's advice is to pay as soon as possible, for example in the next pay cycle.

Is leave loading paid out in final pay?

Yes, if you are paid leave loading when you take annual leave. Unused leave on termination must be paid at what you would have received had you taken it, and the Fair Work Ombudsman says the loading is included even where an award, enterprise agreement or contract says it is not. Its example is a mechanic under the Vehicle Award whose employer left the loading out of his final pay and had to fix it. If you never get loading on leave, none is added.

How is final pay taxed?

Part by part. Wages owed use the normal tax table for your pay cycle. Unused annual leave, loading and long service leave use Schedule 7: marginal rates on a resignation or dismissal, or a flat 32% on a genuine redundancy. Pay in lieu of notice uses Schedule 11 as an employment termination payment, 32% up to its cap and 47% above it. Redundancy pay is tax-free up to its limit. This is withholding, and the final tax is settled in your tax return.

Can my employer hold back my final pay if I leave without notice?

Only as far as your award or agreement allows. Under the standard award clause your employer can deduct no more than 1 week of wages if you are 18 or over and gave less notice than the award requires, and the deduction must not be unreasonable. It can come only out of wages owed under the award, not your annual leave or over-award payments. Nothing can be deducted if your employer agreed to the shorter notice.

What do I get if I am dismissed for serious misconduct?

Wages for the time you worked and your unused annual leave, with loading if it applies. You are not owed notice or redundancy pay. Long service leave depends on the state: some hold back part or all of it on serious misconduct, which the Long Service Leave Calculator shows by state.

Is notice pay part of a tax-free redundancy payment?

It can be, depending on your employment terms. Notice pay you would have received however the job ended is taxed apart from the redundancy payment, as an ETP under the whole-of-income cap, and that is how the ATO treats it in its own example. If your employer counts it as part of the genuine redundancy payment, tick that option and it shares the tax-free limit instead.

Related pages.

  • Notice Period CalculatorHow much notice to give when you resign, from the clause in 25 awards, and the notice your employer must give under the NES, with pay in lieu and its tax.
  • Annual Leave CalculatorWork out an annual leave payout when you leave a job: your unused hours at the base rate, any leave loading, and the tax withheld under Schedule 7 for 2026-27.
  • Redundancy CalculatorWork out NES redundancy pay by years of service, your notice period, and how much is tax-free as a genuine redundancy in 2026-27, with the ETP tax on the rest.
  • ETP Tax CalculatorWork out the tax withheld from an employment termination payment in 2026-27: 32% or 17% up to the ETP cap or whole-of-income cap, and 47% above it.
  • Long Service Leave CalculatorLong service leave in every state and territory: weeks accrued, when pro rata is paid on leaving and for which reasons, and what it is worth at your pay.
  • Leave Loading CalculatorWork out annual leave loading on a period of leave, and check whether the 17.5% figure actually applies to you.

Every calculator on this site is listed on the Wage Calculator page.