Real Pay Calculator

Australia Take-Home Pay Calculator 2026–27

Australia salary calculator

Australia take-home pay calculator 2026–27

Estimate annual and per-pay cash after resident Income Tax, the low income tax offset, Medicare levy and an optional HELP repayment, with salary-sacrificed super shown separately.

2026–27 resident ratesAUDInputs stay in your browser
Your Australian salaryAnnual assessment estimate
$
$
Annual amount exchanged for an employer super contribution.
Family reductions and partial-year exemption days are outside this model.
This affects the estimated tax assessment. It may not increase each payroll deposit during the year.

Resident individual, full-year steady salary. Medicare levy surcharge, family levy reductions, offsets other than LITO, deductions beyond the optional standard amount, payroll withholding and super contribution caps are not modelled.

What this Australian salary estimate includes

The calculator applies the 2026–27 resident individual tax rates to taxable salary, then subtracts the low income tax offset where available. It calculates the standard Medicare levy using the 2026–27 single low-income threshold and phase-in rule. HELP uses the marginal repayment system that starts above the indexed minimum repayment income.

Salary sacrifice reduces cash salary and taxable income in this model. It does not reduce the displayed 12% super guarantee estimate because an effective salary-sacrifice arrangement must not be used to reduce an employer’s super guarantee obligation. The guarantee is shown as a separate employment benefit, not spendable cash.

Tax return outcome versus payslip. The optional $1,000 instant work-related deduction is an annual assessment feature from 2026–27. A payroll deposit may still reflect PAYG withholding calculated without that deduction, so the per-pay result is an annual equivalent rather than an exact payslip forecast.

Who the model is for

  • An Australian resident employee with one steady salary for the full income year
  • A person using the ordinary resident tax rates rather than working-holiday-maker or foreign-resident rates
  • A single person with no dependants for the Medicare levy low-income calculation
  • A borrower who wants a planning estimate of the compulsory HELP assessment
  • An employee comparing cash pay with salary sacrificed into super

Important exclusions

The Medicare levy surcharge is not included because it depends on income for surcharge purposes, family status and appropriate private hospital cover. The model also leaves out private health insurance rebates, spouse and dependant rules, tax offsets other than LITO, fringe benefits tax, investment income, capital gains, deductions other than the selected standard work deduction, an outstanding study-loan balance smaller than the calculated repayment, and the super maximum contribution base.

Quick interpretation

Taxable incomeCash salary after the entered salary sacrifice and optional eligible $1,000 work deduction.
Take-homeCash salary less estimated Income Tax, Medicare levy and HELP. Employer super is outside this figure.
Repayment incomeThe HELP measure starts with taxable income and adds specified amounts. Salary-sacrificed super and the optional other-income field are included in the simplified measure.
Employer SGAn indicative 12% of entered salary. Actual ordinary time earnings, eligibility and contribution-base rules can change it.

Official sources

Frequently asked questions

Is this a PAYG withholding calculator?
No. It estimates the eventual annual position under the stated assumptions and divides it by the selected number of pay periods. PAYG uses withholding schedules and your declaration, while final tax is reconciled after the income year.
Does the result include the Medicare levy surcharge?
No. The surcharge depends on circumstances the simple salary input cannot safely infer, including private hospital cover and family income.
Why is salary-sacrificed super counted for HELP?
Reportable employer super contributions are included when repayment income is assembled. The simplified engine therefore adds the sacrifice back after calculating taxable income.

Understand each Australian deduction.

Use the focused guides for resident tax bands, the Medicare levy, HELP and salary sacrifice to super.

Browse Australia guides