Calculator
Australian Payslip Calculator
Enter your pay and circumstances to see a full payslip breakdown, with the red flags most likely to be costing you money.
Short answer
This calculator turns gross pay into take-home pay for 2026-27: PAYG tax above the $18,200 tax-free threshold, the 2% Medicare levy, any HELP/STSL repayment once you pass $69,528, and the 12% super your employer pays to your fund. It also flags salary quoted including super and an unclaimed tax-free threshold.
Your details
Enter your pay and circumstances. Everything stays in your browser.
Estimated take-home pay $67,280 a year, $67,280.00 per annual. Income tax $16,020, Medicare levy $1,700, employer super $10,200.
Your estimated pay
Take-home (annual)
$67,280.00
$67,280 per year
Gross (annual)
$85,000.00
$85,000 per year
Employer super (12%)
$10,200
Paid into your super fund
Total employer cost
$95,200
Cash + super
On $85,000 of gross cash earnings, your estimated take-home pay is $67,280 a year ($67,280.00 annual), plus $10,200 of employer super. Super is paid on top of your salary.
Payslip red flags & things to check
Super may not be paid on every payment
Super Guarantee is generally paid on ordinary time earnings. Some overtime and certain allowances may not attract super - check your payslip.
What each line on your payslip means
Gross pay is your earnings before tax - salary plus any allowances, overtime, bonus, commission or leave loading. Taxable income is gross pay less pre-tax items like salary sacrifice. PAYG withholding is the income tax your employer sends to the ATO each pay.
The Medicare levy is generally 2% of taxable income. A HELP/STSL line appears if you have a study or training loan and earn above the threshold. Superannuation is the 12% your employer contributes to your fund - it should be shown but is not part of your take-home pay. Net pay is what lands in your bank account.
Why your take-home pay may be lower than expected
- Your salary may be quoted including super, so part is paid into your fund, not your bank account.
- You may have a HELP/STSL debt reducing each pay.
- You may not be claiming the tax-free threshold (common with a second job).
- A bonus can push a single pay into a higher withholding band.
- Salary sacrifice or other pre-tax deductions reduce your cash pay.
What to check if your payslip looks wrong
Confirm your gross pay matches your agreed rate and hours, that super is shown and paid to your fund, that deductions are itemised and authorised, and that the pay period and date are correct. Australian employers must give a payslip within one working day of paying you. If something is missing, use the payslip compliance checker and read what must be on a payslip.
Australia does not use UK-style tax codes
If you have moved from the UK, note that Australia does not use PAYE tax codes. Your pay depends on your TFN declaration, residency status, the tax-free threshold, PAYG withholding tables, Medicare levy, HELP/STSL and super. See Australian tax codes explained.
Frequently asked questions
Is superannuation part of my take-home pay?+
No. Super is paid into your super fund and cannot usually be accessed until retirement. It is shown on your payslip but is separate from your net (take-home) pay.
Why is there no tax on the first $18,200?+
Australian residents who claim the tax-free threshold pay no income tax on the first $18,200 of income each year. Foreign residents do not get this threshold.
How accurate is this payslip calculator?+
It is a close estimate using published 2026-27 ATO rates. Employer payroll uses ATO withholding schedules with rounding, so your actual per-pay figure can differ by a few dollars.
What if my employer does not pay my super?+
Unpaid super is a serious issue. Check your fund, then read our guide on what to do if your employer is not paying super, and you can report it to the ATO.
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.
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