Wage Calculator

Wage Calculator

Work out take-home pay after tax — PAYG, Medicare, HECS/HELP, super and the Medicare Levy Surcharge included.

Income

showing as year
$/ year
$2k / year$300k / year

Additional settings

Adjust residency, super, Medicare, HECS/HELP, salary packaging, and deductions.

Tax Trivia1 / 7
Tax Basics

The tax-free threshold in Australia is currently $18,200.

Wage Calculator applies the selected financial year's PAYG income tax brackets, Medicare Levy, Low Income Tax Offset, and Superannuation Guarantee. Optional inputs cover salary sacrifice, novated lease, fringe benefits, Division 293, and the Medicare Levy Surcharge — so the take-home figure reflects the same items your payroll office models.

Explore Tax Brackets

Your tax story at

$75,000

Only $29,999 is taxed at your top rate of 30%. Your average income tax rate is 17.4%.

Your average rate stays lower because earlier slices keep their lower bracket rates.

$0$400,000

Tax brackets applied

Darker means higher rate

BracketIncomeRateTax
$0-$18.2k$18,2000%$0
$18.2k-$45k$26,79915%$4,020
$45k-$135k$29,99930%$9,000
Total tax$74,99817.4%$13,020
Income tax only. Medicare levy, HECS/HELP, offsets, salary sacrifice, and other deductions are handled in the full calculator.

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What You Can Work Out With This Pay Calculator

Take-home pay is what remains of a wage or salary after PAYG income tax, the Medicare Levy, and any HECS/HELP repayment come out — superannuation is paid on top rather than deducted. This pay calculator turns an annual, monthly, fortnightly, weekly, daily, or hourly figure into net pay after tax for any selected financial year, and models the pieces most tools skip: the Low Income Tax Offset, salary packaging, novated leases, Division 293, and the Medicare Levy Surcharge.

Use it for the practical decisions: what lands in your bank account each cycle, how much PAYG is being withheld — the PAYG tax calculator shows the ATO Schedule 1 figure for a standard payslip — and whether a different salary, work pattern, or salary sacrifice setup changes the answer. For job offers, compare two roles after tax with the salary comparison tool, or work backwards from a target net figure with the reverse salary calculator.

Use this pay calculator when

  • You want net pay for every cycle side-by-side — monthly, fortnightly, weekly, or hourly.
  • You earn above the Medicare Levy Surcharge threshold and want the surcharge included.
  • You want HECS/HELP, LITO, and salary sacrifice modelled in one breakdown.
  • You want calculations that stay in your browser — no salary data is sent to a server.

Monthly, fortnightly and weekly take-home pay

A salary entered in any period maps to the matching net amount for every other cycle — including the monthly and fortnightly views payroll runs on. For pay-cycle-specific tables and worked examples, the dedicated take-home pay calculator shows weekly and fortnightly figures side-by-side, and the fortnightly take-home pay guide explains the arithmetic.

Tax, study debt, and offsets

PAYG income tax applies bracket by bracket, the Low Income Tax Offset trims the bill at lower incomes, and the Medicare Levy adds its shade-in band — the breakdown shows each, plus an optional HECS/HELP repayment once income exceeds the compulsory threshold. The Australian income tax guide walks through how each component is calculated, and at tax time the tax return calculator estimates your refund or amount owing from the same components.

Super and salary packaging

Superannuation Guarantee is an employer cost on top of salary, not a deduction from take-home pay. Pre-tax salary sacrifice reduces taxable income before brackets apply — taxed inside the fund instead — and a novated lease affects the tax base differently again. Model each scenario in the salary sacrifice super calculator.

Medicare Levy Surcharge included

Higher earners without appropriate private hospital cover owe a Medicare Levy Surcharge on top of the standard Medicare Levy. This pay calculator models the surcharge directly — most pay calculators don't. See the Medicare Levy Surcharge guide for the income tiers and exemption rules.

Frequently Asked Questions

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How do you calculate take-home pay?

Start with gross pay for the period, then subtract PAYG income tax, the Medicare Levy, and any compulsory HECS/HELP repayment — what remains is your take-home pay. Income tax is worked out on the annual equivalent using the marginal brackets, so an hourly, weekly, fortnightly, or monthly figure is first annualised, the tax steps applied, and the result divided back to the pay cycle. Employer superannuation is normally paid on top of gross salary rather than deducted from it; for a package quoted as super-inclusive, the calculator's salary-includes-super setting removes super from the package before the tax steps are applied. This pay calculator runs those steps automatically for the selected financial year, including the offsets and levies most tools skip.

How is income tax calculated in Australia?

Australia uses a progressive tax system — different rates apply to different portions of your income, not a single flat rate on the whole amount. The brackets for the current financial year are: 0% on income up to $18,200 (the tax-free threshold), 15% on $18,201–$45,000, 30% on $45,001–$135,000, 37% on $135,001–$190,000, 45% on income above $190,000. The Low Income Tax Offset (LITO) can reduce tax by up to $700 for taxable incomes below $66,667. This pay calculator applies all current brackets, LITO, and the Medicare Levy automatically based on the income entered.

What is the Medicare Levy?

The Medicare Levy is a 2% tax on taxable income that funds Australia's public healthcare system. You pay the full levy once taxable income exceeds approximately $35,014 per year, no levy below $28,011, and a shade-in rate between the two. The Medicare Levy is separate from the Medicare Levy Surcharge (MLS), an additional 1%–1.5% charged to higher earners ($105,000+ singles, $210,000+ families) without appropriate private hospital cover. This calculator applies the levy based on the income entered and handles the shade-in band automatically.

What is the Medicare Levy Surcharge and who has to pay it?

The Medicare Levy Surcharge (MLS) is an extra income tax of 1% to 1.5% charged to higher earners who do not hold an appropriate private hospital cover policy. For singles, the MLS applies above $105,000 of MLS income — that is taxable income plus reportable fringe benefits and reportable employer super contributions. For families, the threshold starts at $210,000 and rises with each dependent child. The MLS is calculated on the whole MLS income, not just the portion above the threshold, and it sits on top of the standard Medicare Levy. This calculator estimates the surcharge directly when MLS income and the no-cover flag are entered — most pay calculators do not model it.

How are HECS/HELP repayments calculated?

HECS-HELP repayments are calculated on repayment income, which is taxable income plus reportable fringe benefits and reportable super contributions. For the current financial year, compulsory repayments begin once repayment income reaches $69,528. Above this threshold, the marginal-rate method applies — each dollar within a repayment band is charged at that band's rate, then the total is combined. HECS debts are indexed annually based on the Consumer Price Index. Enabling the HECS/HELP option reveals the repayment amount and its effect on each pay cycle.

What will my take-home pay be on $80,000?

On an $80,000 gross salary, this pay calculator estimates approximate income tax of $14,520, Medicare Levy of $1,600, and a net take-home of roughly $63,880 per year — about $2,457 per fortnight — for the current financial year. Employer super of $9,600 is paid on top. These figures assume no HECS/HELP debt, no salary sacrifice, and no Medicare Levy Surcharge — each of which would change the net take-home shown.

How much tax do I pay on $100,000 in Australia?

For a $100,000 gross salary the estimated income tax is approximately $20,520 plus a Medicare Levy of $2,000 — an effective combined rate of about 22.5% for the current financial year. Net take-home is roughly $77,480 per year. At this income level the Medicare Levy Surcharge may apply if no private hospital cover is held, and a HECS debt would add the compulsory repayment for the relevant band on top.

If I earn $40 an hour, what's my annual take-home pay?

At $40 per hour over a standard 38-hour week (1,976 hours per year), gross annual income is approximately $79,040. Wage Calculator estimates income tax of $14,232 and Medicare Levy of $1,581 for the current financial year, leaving a net take-home of roughly $63,227 per year — about $32 per hour after tax. These figures assume standard 38-hour weeks across 52 weeks; reducing weeks worked or hours per week reduces gross income and tax proportionally.

What is $70,000 a year as an hourly rate?

A $70,000 salary over a standard 38-hour week and 52 weeks equals 1,976 paid hours, which works out to about $35.43 per hour before tax — roughly $1,346 per week. After PAYG income tax of $11,520 and Medicare Levy of $1,400 for the current financial year, the net rate is about $28.89 per hour. These figures assume no HECS/HELP debt — a compulsory repayment for your income band would trim the net rate as well. Fewer weekly hours push the hourly equivalent up for the same salary, while overtime or a second job pushes annual income — and possibly the marginal bracket — higher. Enter any salary and hours pattern in the calculator to see the exact conversion for each pay cycle.

Does an $80k salary include super?

Generally, no — an advertised $80,000 salary is the base salary before super, and employer Superannuation Guarantee of $9,600 (12% for the current financial year) is paid on top. Some packages quote a 'total remuneration' figure that bundles super into the headline number; check the offer wording. Wage Calculator shows employer super separately from take-home pay so the amount landing in your bank account each cycle is clear.