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Australia · 2025–26

Australia Pay Calculator

Enter your gross salary to estimate your take-home pay after income tax, the Medicare levy and any HELP/HECS repayments.

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Resident rates. Super (12%) is paid on top and not deducted here.

Take-home pay
A$0
A$0 a year · A$0 a week

How Australian take-home pay is calculated

Your take-home pay is your gross salary minus income tax and the Medicare levy, plus any study-loan repayment. This calculator uses the 2025–26 resident rates from the ATO.

Income tax

The first $18,200 is tax-free. Income is then taxed at 16% to $45,000, 30% to $135,000, 37% to $190,000 and 45% above that — each rate applies only to the income inside its bracket.

Medicare levy and HELP

The Medicare levy adds 2% of income for most workers. If you have a HELP/HECS debt, the new marginal repayment system charges 15c per dollar above $67,000 and 17c above $125,000.

The Medicare Levy Surcharge, the low-income levy shade-in and salary sacrifice are not modeled. Superannuation is employer-paid on top of salary.

Frequently asked questions

What is the tax-free threshold in Australia?

The first $18,200 of income is tax-free for residents. Above that, income tax rises through 16%, 30%, 37% and 45% marginal brackets.

What is the Medicare levy?

The Medicare levy is 2% of taxable income for most workers. Low-income earners pay a reduced rate, and high earners without private hospital cover may pay an extra Medicare Levy Surcharge, which this calculator does not include.

How do HELP/HECS repayments work?

Since 1 July 2025, study-loan repayments use a marginal system: nothing below $67,000, 15c per dollar from $67,000 to $125,000, then 17c per dollar above $125,000. Tick the HELP box to include it.

Is superannuation deducted from my take-home pay?

No. The 12% superannuation guarantee is paid by your employer on top of your salary, so it does not reduce the take-home figure shown here.