Australia take-home pay calculator
Enter your gross annual salary and see your monthly take-home after income tax and the Medicare levy, using ATO resident rates. Superannuation is treated the way it actually works, paid by your employer on top of your salary, not taken out of it.
Australia
Tax year: 2026-27
Your take-home, instantly
Enter your annual gross salary to see the breakdown.
How this is calculated
- •Take-home = gross − income tax − Medicare levy. Models Australian residents for tax purposes.
- •Superannuation (12%) is paid by your employer on top of salary and is not deducted from take-home.
- •The Medicare levy is modelled at the full 2%. Low-income earners pay a reduced levy or none — the ATO's most recent published single-person threshold is $28,011 for 2025-26; 2026-27 thresholds are not published yet. That reduction is not applied here.
- •Work-related deductions, HELP/HECS study-loan repayments, and the Medicare levy surcharge are not included.
- •Estimate for guidance only, not tax advice.
Sources for 2026-27
- Australian Taxation Office (ATO)
Resident individual income tax rates and the 2% Medicare levy for the 2026-27 income year. ATO page last updated 13 August 2026.
What comes out of your Australia salary
- •Income tax at ATO resident rates
- •The Medicare levy at 2%
Australia take-home pay, answered
Is superannuation deducted from my take-home?
No, and this calculator does not deduct it. Super at 12% is paid by your employer on top of your salary, so it never comes out of the figure you take home. Calculators that subtract it are showing you a number that is too low.
How is the Medicare levy handled?
It is modelled at the full 2%. Low-income earners pay a reduced levy or none at all — the most recent threshold the ATO has published is $28,011 for a single person in 2025-26 — and that reduction is not applied here, so low salaries will show slightly less take-home than you would actually receive.
Does it include HECS or HELP repayments?
No. Study-loan repayments, work-related deductions and the Medicare levy surcharge are all excluded. If you have a HELP debt, your real take-home will be lower than the figure shown.
Who does this apply to?
Australian residents for tax purposes, for the 2026-27 income year, using rates published by the Australian Taxation Office. The rate on income between $18,201 and $45,000 fell from 16% to 15% on 1 July 2026. Non-residents are taxed on a different scale and are not modelled.
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