Compare Australian pay scenarios
Model real Australian tax scenarios side by side. Pick a comparison, then adjust the salary to match your situation — every figure uses current 2026-27 ATO rates.
Pick a comparison
Contractor vs Employee
Compare ABN contractor income against an equivalent employee salary — including GST, self-funded super, and business deductions.
Compare ScenarioSalary Sacrifice
See how trading pre-tax salary into super changes your take-home pay, tax, and retirement balance at different income levels.
Compare ScenarioHELP Repayment
Understand how the 2026-27 marginal repayment system affects your monthly pay compared to no HELP debt.
Compare ScenarioBonus Year
Model how a one-off bonus pushes you into higher tax brackets and changes your effective rate for the year.
Compare ScenarioHourly to Annual
Convert an hourly rate into an annualised take-home figure, factoring in tax, super, and leave loading.
CompareWhat 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:
12%
Super guarantee
5.45%
Payroll tax (NSW)
Varies
Workers' comp
- Superannuation guarantee — 12% of ordinary time earnings (2026-27 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.
Explore your pay further
Got a bonus coming?
See how much tax you'll actually pay on your bonus vs what's withheld.
Open ToolSalary sacrifice to super
Compare take-home pay with and without pre-tax super contributions.
Open ToolCheck your payslip withholding
Look up the ATO fortnightly tax table to verify your PAYG amount.
Open ToolCompare pay scenarios
Contractor vs employee, salary sacrifice, HELP repayment impacts.
Open