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.
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.
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: May 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 handles invoicing, GST tracking, BAS prep, and ATO lodgement automatically.
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