Free Australian salary calculator. Enter your gross salary and instantly see your take-home pay after tax, Medicare levy, and super. Shows breakdowns for weekly, fortnightly, monthly, and annual pay periods. Updated for FY 2024-25 and 2025-26 tax rates.
Annual Take-Home
$0
$0 per fortnight
Total Package (incl. super)
$0
Super: $0 (12.0%)
Weekly
$0
Fortnightly
$0
Monthly
$0
Effective Tax Rate
0.0%
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The formula for net (after-tax) pay is:
Take-home pay = gross salary − income tax − Medicare levy − HELP/HECS repayment, and your employer pays the Super Guarantee (12% for FY 2025-26) on top, so super does not reduce your take-home pay.
On a $90,000 gross salary, an Australian resident pays $17,788 in income tax (the Low Income Tax Offset is fully phased out at this income) plus a $1,800 Medicare levy, $19,588 in total deductions. That gives a take-home pay of about $70,412 a year, roughly $2,708 a fortnight. Separately, your employer pays $10,800 (12%) into your super fund, lifting the total package to $100,800.
Take-home pay is your gross salary minus income tax, the Medicare levy, and any other compulsory deductions. In Australia, your employer withholds this tax from each pay and remits it to the ATO through the PAYG (Pay As You Go) system. Superannuation is paid on top, so it doesn't reduce your take-home pay.
Australian employers must pay the Super Guarantee (SG) on top of your ordinary time earnings. For FY 2025-26 the SG rate is 12%, so a base salary of $80,000 attracts an extra $9,600 (12%) paid into your super fund. To project that balance over time, use the superannuation calculator.
Claim all eligible tax deductions (work-related expenses, home office costs, professional development), make salary sacrifice contributions to super (pre-tax, reducing your taxable income), and hold adequate private health cover to avoid the Medicare Levy Surcharge if your income exceeds the threshold. To break the tax figure down further, open the Australian income tax calculator or the PAYG withholding calculator.
Australian employers advertise pay in two different ways, and confusing them can cost you thousands of dollars a year. A base salary is your pay before superannuation, the figure your income tax, Medicare levy, and HELP repayments are calculated on. A total package (sometimes called total remuneration or TRP) is the base salary plus the employer's compulsory Super Guarantee, and occasionally other benefits such as a car allowance or guaranteed bonus. “$110,000 plus super” and “$110,000 including super” look similar in a job ad, but they are very different offers.
Because the FY 2025-26 Super Guarantee rate is 12%, the conversion is: base salary = total package ÷ 1.12. A $110,000 package therefore contains a base salary of about $98,214 and $11,786 of employer super. The “Super included in salary?” toggle in this calculator applies exactly this split, then works out tax on the base figure only, super contributions are never part of your taxable salary.
| $110,000 + super | $110,000 incl. super | |
|---|---|---|
| Base salary | $110,000 | $98,214 |
| Employer super (12%) | $13,200 | $11,786 |
| Income tax + Medicare levy | $25,988 | $22,216 |
| Take-home pay | $84,012 | $75,998 |
| Total package value | $123,200 | $110,000 |
Figures are FY 2025-26, Australian resident, no HELP debt, with private hospital cover. The “plus super” offer delivers about $8,014 more take-home pay a year, roughly $308 a fortnight, and a package worth $13,200 more overall, even though both ads show the same headline number.
When you are comparing job offers, always convert both to the same basis before deciding, either two base salaries or two total packages. It also matters for your obligations: HELP/HECS repayments and the Medicare Levy Surcharge are assessed on your taxable income (your base salary plus any reportable super contributions), not the headline package. And if you salary sacrifice extra into super, the sacrificed amount stays inside your package but leaves your taxable income, which is why packaging can lift your overall position without changing the advertised number. If you are the one doing the hiring, the same $110,000 base costs the business considerably more than $110,000, the employer cost calculator adds super, payroll tax, workers compensation, and leave provisions to show the true cost of the hire.
Your take-home pay is your gross salary minus income tax (using ATO marginal rates), Medicare levy (2%), any Medicare Levy Surcharge, and HELP/HECS repayments if applicable. Superannuation is paid on top of your salary by your employer and doesn't reduce your take-home pay.
It depends on your employment agreement. By law, employers must pay super on top of your Ordinary Time Earnings (OTE). However, some salary packages include super as part of the total package. Use the 'Super included in salary' toggle to see the difference.
The Super Guarantee rate is 12% for FY 2025-26 (from 1 July 2025), the final legislated rate. It was 11.5% in FY 2024-25. This is the minimum percentage of your ordinary time earnings that your employer must contribute to your super fund.
On a $100,000 salary in FY 2025-26, an Australian resident pays approximately $20,788 in income tax (LITO is fully phased out at this income) plus a $2,000 Medicare levy, $22,788 in total. That leaves a take-home pay of around $77,212 per year or $2,970 per fortnight. Your employer also pays $12,000 (12%) into super on top.
Yes. Once your income reaches the ATO's minimum repayment threshold, a compulsory HELP/HECS repayment is calculated as a percentage of your repayment income and withheld through PAYG, reducing your take-home pay. The percentage rises with income. Toggle 'HELP/HECS debt?' to include this in the estimate.
Subtract income tax, the 2% Medicare levy, the Medicare Levy Surcharge (if applicable), and any HELP/HECS repayment from your gross salary. The remainder is your net take-home pay. Divide by 52, 26, or 12 to get your weekly, fortnightly, or monthly figure. Super is paid on top and does not reduce this amount.
Base salary is your pay before super, the figure tax is calculated on. A salary package (or 'total remuneration package') is base salary plus the employer's compulsory super, and sometimes other benefits like a car allowance or bonus. A job advertised at '$100,000 plus super' pays a $100,000 base; one advertised at '$100,000 package' or 'including super' pays a base of about $89,286 with roughly $10,714 of super inside the quoted figure (FY 2025-26, 12% SG).
Divide the package by 1 plus the Super Guarantee rate. For FY 2025-26 (12% SG) that means base salary = package ÷ 1.12. For example, a $110,000 package including super breaks down to a base salary of about $98,214 plus $11,786 of employer super. Switch on the 'Super included in salary?' toggle in this calculator to do the split automatically.
Gross pay is your total earnings before anything is withheld, the salary figure in your employment contract. Net pay (take-home pay) is what actually lands in your bank account after income tax, the Medicare levy, any Medicare Levy Surcharge, and HELP/HECS repayments are deducted through PAYG withholding. Employer super is separate: it is paid into your super fund on top of gross pay and appears in neither figure.
Calculate your annual take-home pay (gross salary minus income tax, Medicare levy, and any HELP repayment), then divide by 12. On an $85,000 salary in FY 2025-26, an Australian resident takes home about $67,012 a year, which is roughly $5,584 a month. Note that a calendar month is longer than 4 weeks, so your monthly figure is higher than 2 fortnightly pays.
Sources & methodology
This salary calculator applies the ATO resident marginal income tax rates, the Low Income Tax Offset (LITO), the 2% Medicare levy and any Medicare Levy Surcharge, HELP/HECS repayments, and the 12% Super Guarantee rate current for FY 2025-26 (FY 2024-25 selectable). Figures are computed in your browser, nothing you enter is stored or sent to a server.
Authoritative sources
Reviewed by Bishal Shrestha, Founder of OneBookPlus, 10+ years building tools with Australian tax-agent and BAS-agent practices. Last reviewed and updated: June 2026.
Disclaimer: This calculator produces estimates only and is not tax advice. Tax outcomes depend on your individual circumstances. For decisions that affect your tax position, consult a registered tax agent or the ATO directly.
OneBookPlus runs award-based pay, super and leave, with rosters and timesheets that flow straight into payroll.
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