Pay Calculator Australia — Salary, Wage & Tax Calculator (2026–27)

Work out your pay in seconds with this pay calculator Australia workers actually rely on — hourly, casual, part-time, salaried, or on a package that includes super.

Reviewed by M Arshad

Enter your income and this calculator shows income tax, the Medicare Levy, superannuation, and your real take-home pay for the 2026–27 financial year — broken down by every pay cycle, not just the one you typed in.

What This Calculator Works Out

Most people land on a pay calculator Australia site with one of a handful of questions: what will I actually get paid, is this new job worth it, why did my pay change, or what’s this number on my payslip. This tool is built to answer all four in one pass, using the current ATO tax brackets, Medicare Levy, superannuation guarantee, and HECS/HELP repayment rules for the 2026–27 financial year.

Use it to work out:

• Take-home pay for any income, in any pay cycle — annual, monthly, fortnightly, weekly, daily or hourly
• Income tax and Medicare Levy owed, broken down by tax bracket, not just a single lump figure
• Superannuation your employer must pay on top of your salary, and what voluntary contributions would do to your balance at retirement
• HECS/HELP repayments, calculated on the current $69,528 repayment threshold and three-tier marginal-rate method
• The gap between a salary quoted with super and one quoted without it — a genuinely common source of confusion when comparing job offers
• Casual, part-time and pro-rata pay, including casual loading, so hourly workers aren’t stuck using a calculator built only for annual salaries
• A one-off bonus on top of your base salary
• The correct tax treatment for residents, foreign residents, and working holiday makers, since these three groups are taxed under genuinely different rules
• Whether the Medicare Levy Surcharge applies to you, calculated using the ATO’s actual three-tier rate structure rather than a single flat percentage
• Division 293 tax, for higher earners whose income plus concessional super contributions pushes past $250,000

If you’ve ever stared at a job ad that says “$90,000 package” and had no idea what that means for your actual bank balance, this pay calculator is built for exactly that moment.

Income Tax Calculator: How Australian Tax Works in 2026–27

Australia taxes income progressively — you don’t pay one flat rate on your whole salary, only on the portion that falls inside each bracket. For the 2026–27 financial year, the resident tax brackets are:

Taxable income	Tax rate
$0 – $18,200	0% (tax-free threshold)
$18,201 – $45,000	15%
$45,001 – $135,000	30%
$135,001 – $190,000	37%
$190,001+	45%

This is a genuine change worth knowing about: the second bracket dropped from 16% to 15% specifically from 1 July 2026, worth up to $268 a year for anyone earning $45,000 or more. A pay calculator still running last year’s rate will quietly overstate your tax bill by that amount.

On top of income tax, this calculator applies the Medicare Levy properly — not as a flat 2% for everyone, but with the correct phase-in for lower incomes: no levy below roughly $28,011, a gradual shade-in between $28,011 and $35,014, and the full 2% above that.

Two things this calculator builds in that many others skip:

• The Low Income Tax Offset (LITO) — worth up to $700, applying in full for taxable incomes up to $37,500 and phasing out completely by $66,667.
• Division 293 tax — an extra 15% on concessional super contributions once your income plus those contributions passes $250,000. It’s rare for most workers, but it changes the answer materially for higher earners, and most calculators skip it entirely.

How Much Tax Do You Pay at Common Salary Levels?

So how much tax do you pay in Australia once your income moves past the tax-free threshold? The table below works through take-home pay for the salary levels people ask about most, from an entry-level wage up to $300,000, using the same 2026-27 resident tax brackets, Medicare Levy and Low Income Tax Offset rules as the calculator above. Figures assume no HECS/HELP debt and no Medicare Levy Surcharge, and superannuation is shown separately since your employer pays it on top of your salary rather than out of it.

Gross salary	Income tax	Medicare Levy	Take-home pay	Super (on top)
$30,000	$1,070	$199	$28,731	$3,600
$40,000	$2,695	$800	$36,505	$4,800
$50,000	$5,270	$1,000	$43,730	$6,000
$60,000	$8,420	$1,200	$50,380	$7,200
$70,000	$11,520	$1,400	$57,080	$8,400
$75,000	$13,020	$1,500	$60,480	$9,000
$80,000	$14,520	$1,600	$63,880	$9,600
$90,000	$17,520	$1,800	$70,680	$10,800
$100,000	$20,520	$2,000	$77,480	$12,000
$110,000	$23,520	$2,200	$84,280	$13,200
$120,000	$26,520	$2,400	$91,080	$14,400
$130,000	$29,520	$2,600	$97,880	$15,600
$140,000	$32,870	$2,800	$104,330	$16,800
$150,000	$36,570	$3,000	$110,430	$18,000
$160,000	$40,270	$3,200	$116,530	$19,200
$180,000	$47,670	$3,600	$128,730	$21,600
$200,000	$55,870	$4,000	$140,130	$24,000
$250,000	$78,370	$5,000	$166,630	$30,000
$300,000	$100,870	$6,000	$193,130	$36,000

Superannuation Calculator: What’s Actually Paid, and What It’s Worth Later

From 1 July 2025, employers must pay the Superannuation Guarantee at 12% of your ordinary time earnings — the final scheduled increase — on top of your salary, not out of it, unless your contract explicitly states your package is “inclusive of super.”

That distinction matters more than people expect. A $90,000 salary “plus super” and a $90,000 “package including super” aren’t the same take-home number — the second one has roughly $9,643 of the $90,000 diverted to your super fund before you see a cent of it. This calculator shows both scenarios explicitly so you’re comparing job offers on the same basis, not guessing.

Hourly Rate Calculator: Built for Casual, Part-Time and Shift Workers

A lot of pay calculators assume a clean annual salary and stop there. In reality, a huge share of the Australian workforce is casual, part-time, or paid an hourly rate that varies week to week — hospitality, retail, aged care, healthcare shift work, trades. This hourly rate calculator handles:

• Casual loading (25%) on top of the base hourly rate
• Hourly-to-annual conversion based on your entered hours per week, so a $32-an-hour rate and a $65,000 salary can be compared on equal footing

If your pay changes week to week, the annual figure on a payslip is close to useless for budgeting. This wage calculator gives casual and shift workers a number they can actually plan around, not a rounded-off annual estimate.

Built for Residents, Foreign Residents, and Working Holiday Makers

Australia taxes these three groups under genuinely different rules, and using the wrong one gives you the wrong number entirely:

• Australian residents get the $18,200 tax-free threshold and pay the Medicare Levy.
• Foreign residents (non-residents for tax purposes) don’t get the tax-free threshold — tax starts from the first dollar at 30% up to $135,000, then 37% and 45% above that — and they don’t pay the Medicare Levy.
• Working holiday makers (417/462 visa) are taxed at a flat 15% on their first $45,000, with ordinary resident rates applying above that, and no Medicare Levy.

This calculator applies the correct schedule for whichever group you select, rather than forcing everyone through a resident-only calculation.

Medicare Levy Surcharge, Calculated Properly

Higher earners without appropriate private hospital cover pay an extra Medicare Levy Surcharge on top of the standard levy — and it isn’t one flat rate. For 2026–27, singles pay 1% between $105,000 and $123,000, 1.25% between $123,000 and $164,000, and 1.5% above $164,000. This calculator applies the correct tier for your income rather than a single flat percentage, which is where a lot of other calculators get it wrong right around the threshold.

Salary Calculator by State and Territory

Income tax and Medicare are federal and identical Australia-wide, but a few things genuinely do vary by where you work, and this calculator accounts for them rather than treating Australia as one flat market:

• Public sector pay scales differ by state — an APS classification in Canberra doesn’t map directly onto an equivalent NSW or Victorian public service role
• Payroll tax thresholds (employer-side, but relevant if you’re comparing a package quoted by a business in a different state)
• State-based minimum wage and award interactions, where relevant modern awards vary by industry and location

If you’re weighing up a move between Sydney, Melbourne, Brisbane, Perth, Adelaide or a regional centre, the honest answer is that your take-home pay calculation itself won’t change by postcode — but what that pay is worth against rent, and what similar roles actually pay locally, does. Dedicated state and city salary calculator pages cover exactly that comparison rather than pretending one number tells the whole story.

Frequently Asked Questions

How is income tax calculated in Australia?

Australia uses a progressive tax system, so different portions of your income are taxed at different rates rather than one flat rate applying to the whole amount. For 2026–27, the first $18,200 is tax-free, the next portion up to $45,000 is taxed at 15%, income between $45,001 and $135,000 is taxed at 30%, between $135,001 and $190,000 at 37%, and anything above $190,000 at 45%. The Low Income Tax Offset can reduce the bill further for incomes below $66,667.

What is the Medicare Levy, and is it the same as the Medicare Levy Surcharge?

No — they’re two separate things. The Medicare Levy is a levy on taxable income, phasing in gradually between roughly $28,011 and $35,014 before reaching the full 2%, that funds Australia’s public health system. The Medicare Levy Surcharge is an additional charge — 1%, 1.25%, or 1.5% depending on your income tier — for higher earners who don’t hold private hospital cover, on top of the standard levy.

Does my salary include superannuation?

It depends entirely on how the offer is worded. A salary advertised as “$85,000” is usually the base salary, with the 12% Superannuation Guarantee paid on top by your employer. A salary described as a “total package” or “including super” bundles the super contribution into that headline figure, so your actual base salary — and your take-home pay — will be lower than the number on the offer letter suggests. Always ask which one you’re being quoted.

How much tax do I pay on $80,000 in Australia?

On a $80,000 gross salary for 2026–27, income tax comes to $13,920, plus the Medicare Levy of $1,600 (full rate applies above $35,014), for a net take-home of $64,480 per year. Your employer pays a further $9,600 in superannuation on top of that figure. This assumes no HECS/HELP debt and no Medicare Levy Surcharge — each of which would change the result.

How are HECS/HELP repayments worked out?

Compulsory HECS/HELP repayments begin once your repayment income reaches $69,528 for 2026–27. Above that, you repay 15% of the amount between $69,528 and $129,717, then $9,028 plus 17% of the amount between $129,717 and $186,050, then 10% of your total repayment income above $186,050. This calculator applies this exact method.

Do working holiday makers pay the same tax as residents?

No. Working holiday makers on a 417 or 462 visa are taxed on their first $45,000 at a flat 15% rate, with ordinary resident rates applying above that — and without access to the resident tax-free threshold or the Medicare Levy. This calculator applies the correct working holiday maker schedule when you select that residency status.

What’s the difference between gross pay and net pay?

Gross pay is your total salary before anything is deducted — the figure on your employment contract. Net pay, or take-home pay, is what actually lands in your bank account after income tax, the Medicare Levy, and any other withholding is taken out. Superannuation sits outside both figures, since it’s paid separately by your employer rather than deducted from your pay.

What is Division 293 tax and does it apply to me?

Division 293 is an extra 15% tax on concessional super contributions, but it only applies once your income plus those contributions passes $250,000 combined. For most workers earning a typical salary, it doesn’t apply at all — it’s mainly relevant for high-income earners with significant super contributions.

Is superannuation calculated on my full salary or just part of it?

Superannuation is calculated on your ordinary time earnings. The Superannuation Guarantee rate is 12% for 2026–27, the final step in the scheduled increase from 9.5%.

How is pro-rata salary calculated in Australia?

Pro-rata pay scales a full-time annual salary down to the hours or days you actually work, so a $75,000 full-time role worked at four days a week pays $60,000 pro rata, before tax. This calculator handles pro-rata, part-time and casual pay the same way it handles a full annual salary, turning whatever figure you enter into an accurate take-home amount for your actual hours.

How does tax work if I get a pay rise or take on a second job?

A pay rise or second job is taxed at your marginal rate, not your average rate, so only the extra income sitting in a higher bracket is taxed more heavily rather than your whole salary. A second job often feels more heavily taxed in practice because the tax-free threshold is usually claimed against your main job, so withholding on the second income starts from the first dollar; this calculator lets you see what an extra amount on top of your base pay is really worth.

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Sourced against the Australian Taxation Office directly: resident tax brackets and the 2026–27 second-bracket reduction to 15% (cross-verified across multiple independent Australian payroll and tax calculators, reflecting the legislated cost-of-living tax cut effective 1 July 2026); HECS/HELP thresholds and marginal repayment rates verified against the ATO’s own published worked examples; Medicare Levy Surcharge tiers verified against the ATO’s own worked example (a $117,000 MLS income case landing correctly in Tier 1 at 1%). Working holiday maker and foreign resident rates, Division 293, and the Medicare Levy phase-in per ato.gov.au. One remaining simplification: this calculator uses your gross income as a stand-in for the ATO’s fuller “MLS income” definition (which can also include reportable fringe benefits and net investment losses), and models singles’ MLS tiers only, not family or couple tiers. This isn’t financial, tax, or legal advice — individual circumstances vary and rates are updated annually, so check figures against current ATO guidance for anything beyond general planning. Calculations run in your browser; no income or personal data is sent to a server.