Pay Calculator Australia
Find out how much you'll actually take home after tax in Australia for 2025-26. Enter your salary or wage to see weekly, fortnightly, monthly and annual net pay after income tax, Medicare levy, MLS and HELP repayments. Switch between resident and foreign resident rates, and add salary sacrifice or deductions to refine the estimate.
Also known as an after tax calculator, take home pay calculator, or salary calculator for Australia.
Uses 2025–26 Australian tax rates. Default assumes Australian resident, but you can switch to foreign resident rates.
Need to convert gross pay first? Use the Pay Frequency Converter for weekly, fortnightly and monthly equivalents.
Also useful: Bonus Tax Calculator for one-off bonuses, tax on $300,000 salary for a high-income worked example, and Contractor vs Employee if you're comparing ABN and PAYG income.
Your total salary before tax
Residents pay Medicare levy and may pay MLS.
Pre-tax super contributions (reduces taxable income)
Reduces taxable income, not deducted from pay
Enter your income to see your take home pay
How your pay is calculated
When you receive your pay, your employer has already deducted:
- Income tax — based on your annual salary and the 2025-26 tax brackets
- Medicare levy — 2% of your taxable income for public healthcare
- MLS — an extra Medicare Levy Surcharge if you don't have private hospital cover and your income is above the threshold
- HELP repayment — if you have student debt and earn over $67,000
- Salary sacrifice — pre-tax deductions you've arranged (optional)
- Deductions — claimed at tax time to reduce taxable income (not deducted from pay)
Your employer also pays superannuation on top of your salary (12% in 2025-26). This goes to your super fund and isn't deducted from your take home pay.
For the fastest answer to queries like "how much is $100k after tax in Australia" or "what is my fortnightly pay after tax", this calculator gives the full net-pay view. If you want a pre-calculated single salary example, jump to one of our salary guides such as tax on $100,000 salary or tax on $300,000 salary.
Quick answers for common pay questions
If you searched for weekly pay after tax, fortnightly pay after tax, or monthly take-home pay in Australia, this calculator gives all of those views from the same gross income. Enter your annual salary or converted wage figure once, then switch between annual, monthly, fortnightly, and weekly net pay.
For one-click examples, use the linked salary guides above. For a custom result with HELP debt, salary sacrifice, private health settings, or foreign resident tax, stay in this calculator.
If you searched for an ATO pay calculator, ATO take-home pay calculator, or after-tax salary calculator, this page is the closest equivalent for modelling real net pay with current 2025-26 settings.
Take home pay examples
Here's what you'd take home at common salary levels (resident, no HELP debt, no MLS, no salary sacrifice, no deductions):
| Gross Salary | Annual Net | Monthly Net | Fortnightly Net | Weekly Net |
|---|---|---|---|---|
| $60,000 | $50,012 | $4,168 | $1,924 | $962 |
| $80,000 | $63,612 | $5,301 | $2,447 | $1,223 |
| $100,000 | $77,212 | $6,434 | $2,970 | $1,485 |
| $120,000 | $90,812 | $7,568 | $3,493 | $1,746 |
| $150,000 | $110,162 | $9,180 | $4,237 | $2,118 |
How to increase your take home pay
Salary sacrifice to super
By salary sacrificing to super, you reduce your taxable income. The sacrificed amount is taxed at 15% in your super fund instead of your marginal tax rate (which can be up to 45%). While your take home pay decreases, your overall tax bill is lower and your retirement savings grow faster.
Example: On $100,000, salary sacrificing $10,000 to super reduces your taxable income to $90,000, saving you $3,200 in income tax and Medicare — minus $1,500 in super contributions tax (15%), for a net benefit of around $1,700 annually. See the Salary Sacrifice Calculator for exact figures.
Claim deductions at tax time
Work-related expenses, donations, and other deductions reduce your taxable income when you lodge your tax return. This can result in a refund if your employer withheld more tax than necessary. You can estimate the impact with the Tax Refund Estimator.
FAQ
What is take home pay?
Take home pay is your gross salary minus tax and withholding amounts such as income tax, Medicare levy, MLS, HELP repayments, and any salary sacrifice. It's the amount that actually hits your bank account each pay period.
Why is my pay different each fortnight?
If you're paid fortnightly, some months have 2 pay days and others have 3. Your annual salary divided by 26 gives your standard fortnightly pay, but actual amounts may vary slightly due to rounding or adjustments.
Does superannuation come out of my pay?
No. The Super Guarantee (12% in 2025-26) is paid by your employer on top of your salary. It's not deducted from your take home pay. However, if you salary sacrifice to super, that amount does reduce your take home pay.
Does this include Medicare Levy Surcharge (MLS)?
Yes. If you're a resident and don't have private hospital cover, MLS can apply based on your income (or combined family income). Toggle the private health and family options above, or use the Medicare Levy & MLS Calculator for a detailed breakdown.
How are HELP repayments calculated?
From 2025-26, HELP uses a marginal rate system. You only pay on income above $67,000, starting at 15% on the excess. This is different from the old flat-rate system where crossing a threshold meant paying a percentage of your entire income. See the HELP Repayment Calculator for exact figures.
Can I use this as a non-resident?
Yes. Switch to foreign resident mode to apply non-resident tax rates. Foreign residents do not pay Medicare levy or MLS.
How much is $100k after tax in Australia?
On a $100,000 salary in 2025-26, you take home $77,212 per year after income tax ($20,788) and Medicare levy ($2,000). That's $6,434 per month, $2,970 per fortnight, or $1,485 per week. This assumes no HELP debt and no salary sacrifice.
What is PAYG withholding?
PAYG (Pay As You Go) withholding is the tax your employer deducts from your wages each pay period and sends to the ATO on your behalf. The amount withheld is based on your gross pay and the ATO's withholding tables. This calculator shows you the net amount after PAYG withholding.
Can I use this as a wage calculator?
Yes. This calculator works for both salaried employees and hourly wage earners. Enter your total annual gross income to see take home pay. If you know your hourly rate, multiply it by your hours per week and then by 52 to get your annual figure. You can also use our Salary to Hourly Calculator to convert between rates.
What if I have multiple jobs?
This calculator assumes one job where you've claimed the tax-free threshold. If you have multiple jobs, you can only claim the tax-free threshold from one employer — your other employers should withhold tax at a higher rate.
Uses 2025-26 ATO rates.
Need the payroll paperwork behind the pay numbers?
After you estimate take-home pay, move into payslips, timesheets, expense claims, and follow-up records. This is the tighter next step for payroll admin traffic than the broader branding library.
Tax Accuracy & Sources
This calculator is an estimate tool and may not cover all personal circumstances. For state-based taxes, confirm details with your state or territory revenue office.