2026-27 resident rates

Australian take-home pay calculator

What lands in your account after income tax and the Medicare levy, with super shown separately. Updates as you type.

Salary as advertised

Does that figure include super?

The guarantee is 12%. On the same headline number, a package with super inside it pays less cash than a salary with super on top, which is why ads that do not say are worth querying.

Salary sacrifice to super, per year

Take-home, after income tax and Medicare levy

A$77,480 per year

A$6,457 a month · A$2,980 a fortnight

Cash salary

A$100,000

Income tax

- A$20,520

Medicare levy

- A$2,000

Superannuation

Paid into your fund, not your account

A$12,000

Effective rate

22.52%

Your next dollar

32%

Study loan repayments are not deducted. If you have a HECS or HELP debt, expect a further deduction once your income passes the repayment threshold. Everything else here is complete: Australian states do not charge income tax.

What this assumes

HELP, HECS and other study loan repayments are not deducted. If you have one, expect a further deduction once your income passes the repayment threshold.
2026-27 resident rates, the first year the second bracket is 15% rather than 16%. Working holiday makers and foreign residents are taxed on a different scale, with no tax-free threshold.
Single-person Medicare levy thresholds: nothing below $28,011, phasing in at 10c in the dollar to $35,013, then a flat 2%. Families and seniors have higher thresholds that this does not model.
The Medicare levy surcharge is not applied. High earners without private hospital cover pay a further 1% to 1.5%.
Superannuation is shown separately because your employer pays it into your fund; it never reaches your bank account. It is capped at the maximum contribution base of $270,830, above which no further super is owed.
No tax offsets are applied, including the low income tax offset, which can reduce tax at the bottom of the scale.
A full financial year at this salary. Starting or leaving part way through changes the result, since the tax-free threshold is annual rather than pro-rated by your employer.
Salary income only. No investment income, capital gains, or business income.

An estimate for comparing offers, not tax advice. Offsets and the Medicare levy surcharge can move the figure.

Rates from ATO individual income tax rates, 2026-27 financial year, last checked 11 August 2026.

Questions

Frequently asked questions

Super, the Medicare levy, and the things Australian job ads leave ambiguous.

Does a quoted salary include super or not?

It depends on the ad, which is exactly the problem. "Plus super" means the guarantee is paid on top of the figure. "Package" or "total remuneration" usually means it is inside. On the same headline number the second is worth noticeably less in cash, so it is worth asking before you compare two offers.

Why is super not in my take-home?

Because your employer pays it into your fund rather than to you. It is real money and it is yours, but it is not spendable until preservation age, so it is shown separately rather than folded into a figure people read as their bank balance.

Why is my HECS or HELP repayment missing?

It is deliberately not deducted, because the repayment rules changed recently and applying them wrongly would be worse than leaving them out. If you have a study loan, expect a further deduction once your income passes the repayment threshold, and treat the figure here as your take-home before that.

What is the Medicare levy?

Two percent of taxable income, funding the public health system. It phases in rather than switching on: below the lower threshold there is none, and across the phase-in band you pay 10% of the amount above it, which is why the marginal rate looks strange for a moment at low incomes.

Does this cover working holiday visas?

No. Working holiday makers are taxed from the first dollar on their own scale with no tax-free threshold, so this calculator would substantially overstate their take-home.

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