Know Your Real Pay
Calculate your take-home salary instantly. Tax, Medicare, Super, HECS — all sorted.
How Australian Take-Home Pay is Calculated
Your take-home pay is the amount you actually receive after all mandatory deductions from your gross salary. In Australia for 2025-26, these deductions include PAYG income tax, the Medicare levy, and HECS/HELP repayments if you have a student loan. Superannuation is generally paid on top of your salary by your employer.
2025-26 Tax Brackets
Australia uses a progressive tax system where higher portions of income are taxed at higher rates. For the 2025-26 financial year, the first $18,200 you earn is tax-free. Income from $18,201 to $45,000 is taxed at 16%, from $45,001 to $135,000 at 30%, from $135,001 to $190,000 at 37%, and anything above $190,000 at 45%.
Medicare Levy
Most Australian taxpayers pay a 2% Medicare levy on their taxable income to fund public healthcare. Low-income earners may qualify for a reduction or exemption. High-income earners without private hospital cover also pay the Medicare Levy Surcharge (1% to 1.5%).
HECS/HELP Student Loans
If you have a HECS/HELP student loan, compulsory repayments are deducted from your pay once your income exceeds $54,435 (2025-26 threshold). Repayment rates range from 1% to 10% of your total income depending on your earnings.
Superannuation
Your employer is required to contribute 11.5% of your ordinary time earnings to superannuation for 2025-26. Unless your salary is specified as "inclusive of super", these contributions are paid on top of your salary and do not reduce your take-home pay.
Take-Home Pay Examples
| Annual Salary | Income Tax | Medicare | Take-Home |
|---|---|---|---|
| $50,000 | $6,717 | $1,000 | $42,283 |
| $75,000 | $14,217 | $1,500 | $59,283 |
| $100,000 | $24,217 | $2,000 | $73,783 |
| $150,000 | $43,567 | $3,000 | $103,433 |
| $200,000 | $66,067 | $4,000 | $129,933 |
Approximate values for 2025-26 tax year. Does not include HECS/HELP repayments.
Australian Financial Calculators
Frequently Asked Questions
Australian tax brackets are progressive, meaning you pay different rates for different portions of your income. In 2025-26, the first $18,200 is tax-free, then you pay 16% on income up to $45,000, 30% up to $135,000, 37% up to $190,000, and 45% above $190,000.
View income tax rates on ATOThe tax-free threshold is $18,200 per year. If you earn less than this amount, you generally won't pay any income tax. If you have multiple jobs, you can only claim the tax-free threshold from one employer.
Learn about the tax-free thresholdThe Medicare Levy is a 2% tax that helps fund Australia's public healthcare system. Most Australian taxpayers pay this levy on their taxable income. Low-income earners may get a reduction or exemption.
Learn about Medicare Levy on ATOEmployers must pay 11.5% of your ordinary time earnings into your super fund (2025-26 rate). This rate increases to 12% from 1 July 2026. Super contributions are taxed at a concessional rate of 15%.
Learn about employer super on ATOHECS/HELP repayments are calculated as a percentage of your repayment income. For 2025-26, repayments start at 1% when you earn over $51,000 and increase progressively to 10% for incomes above $151,000.
View HELP repayment rates on ATOThe Medicare Levy Surcharge (MLS) is an additional tax of 1-1.5% for high-income earners who don't have private hospital cover. It applies to singles earning over $93,000 and families over $186,000.
Learn about MLS on ATOGross salary is your total earnings before any deductions. Net salary (take-home pay) is what you receive after tax, Medicare Levy, HECS/HELP repayments, and any salary sacrifice deductions are removed.
The Australian financial year runs from 1 July to 30 June the following year. Tax returns for the 2024-25 financial year (1 July 2024 to 30 June 2025) are due by 31 October 2025, or later if lodged through a tax agent.
Learn about lodging tax returnsTo calculate take-home pay: start with your gross salary, subtract income tax, Medicare Levy, any HECS/HELP repayments, and salary sacrifice amounts. Our calculator does all this automatically and shows weekly, fortnightly, and monthly breakdowns.
Salary sacrifice (salary packaging) lets you pay for certain items from your pre-tax income, reducing your taxable income. Common items include additional super contributions, cars, and work-related expenses. The tax benefits depend on your income level.
Read our Salary Sacrifice GuideGet Tax Bracket Updates
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This calculator provides estimates only and should not be used as financial advice. Results may vary based on individual circumstances. Please consult a tax professional for accurate advice.