Compare Australian pay scenarios
The AusTaxTools Pay comparison engine models real Australian tax scenarios side by side. Pick a scenario type below, then adjust the salary to match your situation. Every comparison uses current 2025-26 ATO rates for income tax, Medicare levy, HELP repayments, and super guarantee.
Contractor vs Employee
Compare ABN contractor income against an equivalent employee salary — including GST, self-funded super, and business deductions.
Compare now →Salary Sacrifice
See how trading pre-tax salary into super changes your take-home pay, tax, and retirement balance at different income levels.
Compare now →HELP Repayment
Understand how the 2025-26 marginal repayment system affects your monthly pay compared to no HELP debt.
Compare now →Bonus Year
Model how a one-off bonus pushes you into higher tax brackets and changes your effective rate for the year.
Compare now →Hourly to Annual
Convert an hourly rate into an annualised take-home figure, factoring in tax, super, and leave loading.
Compare now →What your employer actually pays
Your salary is only part of the cost to your employer. On top of your gross pay, employers must also contribute:
- Superannuation guarantee: 12% of ordinary time earnings (2025-26 rate)
- Payroll tax: Varies by state — e.g., 5.45% in NSW above the $1.2M threshold
- Workers' compensation: Industry-dependent premium
For a $100,000 salary, the total employer cost is approximately $112,000+ before payroll tax and insurance.