WageCalculator

Take Home Pay Calculator Australia

Calculate your take-home pay after tax for 2025–2026.

Need to work backwards from a take-home target? Use the Net to Gross Calculator to find the gross salary you need for a specific after-tax amount.

Take-Home Pay Table 2025–2026

Quick reference for common salaries. Assumes tax-free threshold claimed, no HECS debt, and no salary sacrifice.

Gross SalaryIncome TaxMedicareTake-Home (Year)Fortnightly
$60,000$8,688$1,200$50,112$1,927
$70,000$11,788$1,400$56,812$2,185
$80,000$14,788$1,600$63,612$2,447
$90,000$17,788$1,800$70,412$2,708
$100,000$20,788$2,000$77,212$2,970
$120,000$26,788$2,400$89,312$3,435
$150,000$36,838$3,000$108,287$4,165
$200,000$56,138$4,000$136,862$5,264

All values are calculated dynamically using 2025-26 ATO tax rates. Your actual take-home pay may differ based on HECS debt, salary sacrifice, Medicare Levy Surcharge, and other factors. Use the calculator above for a personalised result.

How your take-home pay is calculated

Your take-home pay is your gross salary minus all compulsory deductions. In Australia, these deductions are applied in order: first, income tax is calculated using the ATO’s progressive tax brackets for 2025-26. Then the Medicare Levy of 2% is applied (with a shade-in for lower incomes). If you have a HECS/HELP debt, compulsory repayments are also withheld once your income exceeds $67,000.

Your employer also pays 12% superannuation on top of your salary into your super fund. This does not reduce your take-home pay but is an important part of your total compensation package.

Related calculators

Net to Gross Calculator

Know your take-home target? Find the gross salary you need.

HECS/HELP Calculator

See how your HECS debt affects take-home pay and project when it will be repaid.

Hourly to Salary Calculator

Convert an hourly rate to annual salary and see take-home pay.

Salary Sacrifice Calculator

See how salary sacrifice into super or a novated lease can increase your take-home pay.

Frequently Asked Questions

How do I calculate my take-home pay in Australia?

Enter your gross salary into this calculator and it will apply the 2025-26 ATO tax brackets, deduct the 2% Medicare Levy, calculate any HECS/HELP repayments (if applicable), and show your net take-home pay across annual, monthly, fortnightly, and weekly periods. For example, on a $100,000 gross salary with no HECS debt, your approximate take-home pay is $77,212 per year, or $2,970 per fortnight.

What is deducted from my pay before I receive it?

Your employer withholds PAYG income tax (based on ATO 2025-26 tax brackets), the 2% Medicare Levy, and any compulsory HECS/HELP repayments from your pay before you receive it. Your employer also pays 12% Superannuation Guarantee on top of your salary into your super fund — this does not reduce your take-home pay. If you have a salary sacrifice arrangement, the sacrificed amount is also deducted before tax.

Does take-home pay include superannuation?

No. Take-home pay (net pay) is the amount deposited into your bank account after tax and other deductions. Superannuation is paid separately by your employer at 12% of your ordinary time earnings directly into your super fund. It does not reduce your take-home pay but is an important part of your total compensation.

How much tax do I pay on a $100,000 salary?

On a $100,000 salary in 2025-26, you would pay approximately $20,788 in income tax and $2,000 in Medicare Levy, giving you a take-home pay of about $77,212 per year ($2,970 per fortnight). Your effective tax rate is approximately 22.8%. This assumes you claim the tax-free threshold and have no HECS debt.

At what income do HECS/HELP repayments start?

For 2025-26, compulsory HECS/HELP repayments begin when your repayment income reaches $67,000. Below this threshold you make no repayments regardless of your debt balance. Above it, repayments are calculated using the ATO's marginal-rate method and are deducted from your pay by your employer. Tick the HECS/HELP option in the calculator above to see the impact on your take-home pay.

How is take-home pay different from gross salary?

Gross salary is your total annual pay before any deductions — the figure in your employment contract. Take-home pay (also called net pay) is what you actually receive after income tax, Medicare Levy, and any HECS/HELP repayments are withheld. For example, a $80,000 gross salary yields approximately $63,612 in take-home pay for 2025-26.

More tools

Go deeper with your numbers

Use calculators for pay, tax, super, and comparisons.

ABN income

Contractor Calculator

Turn hourly or daily contract rates into tax, GST, and self-funded super estimates.

Good for comparing contract work to salary offers
Documentation

Payslip Generator

Generate a compliant payslip PDF with accurate PAYG and super figures.

Useful for sole traders & contractors
Conversion

Hourly to Salary

Convert hourly rates to annual salary and see net pay after tax, Medicare, and HECS.

Great for comparing hourly contract vs salaried roles
Business tax

GST Calculator

Instantly add or remove 10% GST, calculate bulk amounts, and estimate your BAS position.

Essential for invoicing and BAS prep
Planning

Budget Planner

Map your take-home pay against living costs and savings goals.

Starts with your calculated take-home
Strategy

Invest vs Offset

Compare investing in shares against your mortgage offset. Factors in CGT, dividends, and franking credits.

Find your breakeven return rate