Calculator
Take-Home Pay Calculator Australia
Work out what actually lands in your bank account each week, fortnight and month after all the usual deductions.
Short answer
Your Australian take-home pay is gross pay less PAYG withholding, the 2% Medicare levy, any HELP/STSL repayment once your income passes $69,528, and any other deductions. Employer super of 12% goes to your fund on top and is not take-home pay, unless the salary was quoted including super.
Salary details
Estimated result
Take-home (monthly)
$5,323.33
$63,880 per year
Employer super
$9,600
Paid on top into super
What reduces your take-home pay
The biggest factors are income tax, the Medicare levy, HELP/STSL repayments, salary sacrifice and any post-tax deductions like union fees. A salary quoted including super also lowers your cash pay.
Make your take-home pay go further
Compare your disposable income across cities with the cost of living calculator, and check whether a job offer is really better with the job offer comparison.
Frequently asked questions
Is super taken out of my take-home pay?+
Not if your salary is 'plus super' - it is paid on top. If your salary 'includes super', part is redirected to your fund, lowering your cash pay.
Why did my take-home pay change?+
Common reasons are a pay rise crossing a threshold, a bonus, starting HELP/STSL repayments, or a change to the tax-free threshold claim. See our guide on why take-home pay changes.
Does it handle a second job?+
Turn off 'claim tax-free threshold' to estimate a second job, which is usually taxed without the threshold.
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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Check another part of your pay
Estimate your full payslip, compare a job offer, or see whether moving to Australia leaves you better off.