SA - South Australia
Adelaide Salary Calculator
One of the more affordable mainland capitals. Work out your Adelaide take-home pay and what it leaves after rent and living costs.
Short answer
A $90,000 salary in Adelaide leaves about $70,680 take-home a year after PAYG tax and the 2% Medicare levy, with 12% super paid on top. Typical living costs of $2,890 a month, including $1,600 rent for a one-bedroom, leave roughly $3,000 a month spare for a single person.
Salary details - Adelaide
Estimated result
Take-home (annual)
$70,680.00
$70,680 per year
Employer super
$10,800
Paid on top into super
Adelaide disposable income
Net pay (monthly)
$6,173
Core living costs (monthly)
$2,890
Adelaide estimate
Disposable (monthly)
$3,283
Savings rate
53.2%
Of net pay
On $95,000 in Adelaide, your estimated disposable income is $3,283 a month after rent, transport, food and utilities. Cost figures are indicative and should be refreshed from current sources for your suburb.
What salary do you need to live in Adelaide?
As a rough guide, a single person needs around $47,000 a year to live comfortably in Adelaide on these indicative costs (about $2,890/month for rent, transport, food and utilities). Families and inner-city suburbs need more. Use the calculator below with your real rent for a personal figure.
Cost of living in Adelaide
Indicative monthly costs: one-bed rent $1,600, family home $2,500, transport $170, food $900, utilities $220. Adelaide sits at about 74 on our cost index where Sydney = 100.
Adelaide take-home pay
Your Adelaide pay is taxed the same as anywhere in Australia - income tax is federal, so there is no separate SA income tax. What changes between cities is the cost of living, especially rent. Compare with the cost of living calculator.
Frequently asked questions
Is income tax different in Adelaide?+
No. Income tax in Australia is federal, so your tax in Adelaide is the same as elsewhere. Only employer payroll tax differs by state, and that does not affect your take-home pay.
How much rent should I budget in Adelaide?+
Indicatively about $1,600/month for a one-bedroom and $2,500/month for a family home, but this varies sharply by suburb. Check current listings.
Will I be better off moving to Adelaide?+
Use the cost of living and migration tools to compare disposable income, not just salary. Lower rents help mid-range salaries go further.
Sources & methodology
- ATO - Personal income tax: new tax cuts (15% rate from 1 July 2026)
- Income Tax Rates Act 1986 (legislation.gov.au)
- ATO - Study and training loan repayment thresholds and rates
- ATO - Super guarantee
- ATO - Contribution caps
- ATO - Payday Super and the annual maximum contribution base
- ATO - Medicare levy
- ATO - Medicare levy surcharge income thresholds and rates
- Fair Work Ombudsman - Pay slips
- How we calculate these estimates
Last updated 13 August 2026. Figures use the 2026-27 financial year.