Free Australian tax & business calculators

Australian take-home pay calculator

See what a salary leaves after tax, compare a pay rise, or unpack a package that includes super. Start with the example, then use your own numbers.

Before you start: Annual planning estimate for an Australian resident adult who is single, has no dependants and is not entitled to the seniors and pensioners tax offset. It is not a payroll withholding or tax-return calculator.

01 / Your numbers

Make it your estimate

All amounts are AUD. An example is loaded; replace it with your figures.

View the current estimate ↓Financial yearPay amount (AUD)That amount is paidDoes the amount include employer super?Do you have a HELP or other study loan?

Super, deductions & Medicare settings

The example assumes full-year qualifying hospital cover and no extra deductions. Check these settings for your circumstances.

Salary sacrifice to super (AUD/year)An effective before-tax super arrangement. Employer SG stays based on pre-sacrifice pay.Other deductible expenses (AUD/year)Exclude salary sacrifice. Expenses reduce taxable income, but are not subtracted from the cash result.Employer super basisMedicare levy treatmentA private hospital policy does not exempt you from the ordinary Medicare levy.Days without qualifying hospital cover0 means suitable cover for the whole year; 365 means none. Extras-only cover does not qualify. Single, no-dependant surcharge thresholds apply.Reportable fringe benefits (AUD/year)Use the reportable amount, not the cost to your employer. Included in HELP and surcharge income tests.Other income-test additions (AUD/year)Net investment losses and other applicable reportable super or exempt foreign employment income. Do not repeat the voluntary super entered above. The same additions are used for both HELP and the surcharge; special adjustments need separate advice.

Your figures stay in this page. We count tool usage, but never send your amounts to analytics or save them to a server.

02 / Your estimate

Estimated annual cash after tax

$77,480.00

after salary sacrifice and study loan repayments

2026-27 financial year

Cash after tax: $77,480.00
Income tax: $20,520.00
Medicare and surcharge: $2,000.00

Annual estimate spread across regular periods
Period	Gross pay	Tax & HELP	Cash after tax	Employer super
Annual	$100,000.00	$22,520.00	$77,480.00	$12,000.00
Monthly	$8,333.33	$1,876.67	$6,456.67	$1,000.00
Fortnightly	$3,846.15	$866.15	$2,980.00	$461.54
Weekly	$1,923.08	$433.08	$1,490.00	$230.77

Averages, not payslip withholding. Cash after tax also subtracts salary sacrifice.

How the estimate adds up

Taxable income: $100,000.00
Income tax before offsets: $20,520.00
Low income tax offset used: $0.00
Income tax after offsets: $20,520.00
Medicare levy: $2,000.00
Medicare levy surcharge: $0.00
HELP / study loan repayment: $0.00
Total tax, levies and study loan: $22,520.00
Employer super (before fund tax): $12,000.00
Salary sacrifice to super: $0.00
Cash salary before sacrifice: $100,000.00
July 2027 rate-cut effect, before offsets: $268.00

Read before using this result

For full-year Australian residents aged 18 or over, single with no dependants, and not entitled to SAPTO. Family levy reductions, foreign-resident rates, other offsets and special income are not modelled.
The Medicare reduction uses the published $28,011 individual threshold. A later change to the selected year's threshold could change low-income results.
HELP uses taxable income plus the additions entered. Salary-sacrificed or deductible personal super is added back automatically. Annual debt indexation and future voluntary repayments are not projected.
The July 2027 figure isolates the legislated 15% to 14% bracket change at the same taxable income. It is not a full 2027-28 forecast: offsets, including the Working Australians Tax Offset, HELP and other thresholds can change the final benefit.
Weekly and monthly amounts divide the annual estimate by 52 and 12. They are not ATO PAYG withholding amounts. Cash shown has not had your deductible expenses or hospital premiums subtracted.

Read the result as an annual budget

The calculator adds the resident income-tax brackets, subtracts the low income tax offset where available, then estimates Medicare, any surcharge and your study-loan repayment. Salary sacrifice reduces cash salary and taxable income, but is added back when checking HELP and surcharge thresholds.

The monthly and weekly table spreads that annual estimate evenly. Your payslip may differ because payroll uses ATO withholding tables, rounding and your tax declaration. Bonuses, part-year work and a year with 27 fortnightly pays can also change the outcome.

A salary package can hide a meaningful difference

A $112,000 package including 12% super contains $100,000 cash salary and $12,000 employer super, before any tax. A $112,000 salary plus super contains $112,000 cash salary. Choose the package setting before comparing two offers.

Use 'Keep this scenario', change the salary or sacrifice amount, and compare the annual cash result. The comparison stays on this page. It disappears when you refresh, and the numbers are never included in analytics events.

What changes in July 2027?

The first taxable bracket is 15% in 2026-27 and falls to 14% from 1 July 2027. At unchanged taxable income of $45,000 or more, that bracket change alone reduces tax before offsets by $268 a year.

The displayed comparison isolates that rate cut. It does not claim to forecast your complete 2027-28 tax bill. The Working Australians Tax Offset and other year-specific settings also need to be considered; future HELP thresholds are not guessed here.

Your next step

Sources and calculation scope

Rules checked 19 September 2026. These are general planning tools, not personal tax advice. A registered tax agent can check how the rules apply to your business.

Found a calculation that needs checking? Tell us which tool and financial year you used. Please leave out tax file numbers and private financial records.