Australian Take-Home Pay Calculator 2026
Last verified · Methodology
Enter your gross annual salary to calculate your take-home pay after PAYG withholding, Medicare Levy, and optional HECS-HELP repayment. Figures use ATO 2025/26 rates for Australian residents.
Income Details
Figures are indicative using ATO 2025/26 rates. Does not include state-based levies, private health insurance rebate, or employer super contributions (SG 12% is paid on top of salary). Always lodge an annual tax return with the ATO. Does not constitute financial or tax advice.
| Gross Salary | Income Tax | Medicare Levy | Net Annual | Net Monthly |
|---|---|---|---|---|
| A$50,000 | A$5,577 | A$1,000 | A$43,423 | A$3,619 |
| A$70,000 | A$12,577 | A$1,400 | A$56,023 | A$4,669 |
| A$90,000 | A$19,717 | A$1,800 | A$68,483 | A$5,707 |
| A$120,000 | A$29,767 | A$2,400 | A$87,833 | A$7,319 |
| A$150,000 | A$40,567 | A$3,000 | A$106,433 | A$8,869 |
| A$200,000 | A$60,667 | A$4,000 | A$135,333 | A$11,278 |
Australian take-home pay is your gross salary minus PAYG income tax (calculated using ATO marginal tax brackets), Medicare Levy (2% for most earners), any HECS-HELP repayment (if applicable), and optional salary sacrifice super contributions. The Low Income Tax Offset (LITO) reduces tax for earnings below $66,667. Superannuation (SG at 12%) is paid on top of your salary by your employer and does not reduce your take-home pay directly.
The Medicare Levy Surcharge (MLS) is an additional 1%, 1.25%, or 1.5% levy that applies to singles earning above $93,000 (2025/26 threshold) who do not hold adequate private hospital health insurance. It is separate from the standard 2% Medicare Levy. Holding an eligible private hospital policy at the appropriate level of cover prevents the MLS from applying. The MLS is designed to encourage private health insurance uptake and reduce demand on the public system.
HECS-HELP repayments are compulsory once your repayable income exceeds the threshold (approximately $54,435 in 2025/26). Repayment rates range from 1% to 10% of your total repayable income, increasing in steps as income rises. At $80,000 the rate is approximately 4.5%, meaning $3,600 per year. Repayments are collected via PAYG withholding if you declare your HECS-HELP debt to your employer, or through your annual tax return. The debt is indexed to CPI each year.
Yes. Salary sacrifice contributions to superannuation are made from pre-tax income, which reduces your gross salary for PAYG withholding purposes. This can lower your income tax bill but also reduces take-home pay. The benefit is that your employer contributes the sacrificed amount to super where it is taxed at only 15% rather than your marginal rate. For example, sacrificing $5,000 per year at a 32.5% marginal rate saves approximately $875 in income tax, though your take-home pay falls by approximately $4,125.
The tax-free threshold in Australia is $18,200 for resident individuals. You claim this by selecting it on your Tax File Number declaration with your employer. If you earn under $18,200, no income tax is payable. The Low Income Tax Offset (LITO) effectively extends the tax-free threshold to approximately $21,885 for most employees. Non-residents do not have access to the tax-free threshold and pay 32.5% from the first dollar earned.
The ATO marginal tax rates for Australian residents in 2025/26 are: 0% on income from $0 to $18,200; 19% on the portion from $18,201 to $45,000; 30% on $45,001 to $135,000; 37% on $135,001 to $190,000; and 45% on income above $190,000. These rates exclude the 2% Medicare Levy. The Low Income Tax Offset (LITO) of up to $700 reduces tax payable for incomes below $66,667.