Calculate your Australian take-home pay after income tax, Medicare levy, HELP, and super for 2026–27.
Employer pays 12% super on top of your salary
Leave at $0 if you have none. Everyone with wages gets $1,000 off anyway, so only expenses above $1,000 make a difference.
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Gross Salary
$85,000.00
Base Salary
$85,000.00
Take-Home Pay
$67,600.00
Total Deductions
$17,400.00
Effective Rate
20.5%
Marginal Rate
32.0%
| Period | Gross | Tax | Net |
|---|---|---|---|
| Annual | $85,000.00 | $17,400.00 | $67,600.00 |
| Monthly | $7,083.33 | $1,450.00 | $5,633.33 |
| Fortnightly(common AU) | $3,269.23 | $669.23 | $2,600.00 |
| Weekly | $1,634.62 | $334.62 | $1,300.00 |
| Daily | $326.92 | $66.92 | $260.00 |
| Hourly | $43.02 | $8.81 | $34.21 |
Based on 38-hour work week, 52 weeks, 26 fortnights, 260 working days per year.
Standard deduction: from 2026-27 you can take $1,000 off your income for work costs without receipts. That saves you about $320.00 a year, and it is included above. Your employer's tax tables do not include it, so each pay slip shows a little more tax. You get the difference back when you lodge your tax return.
| Taxable Income | Tax Rate | Tax on Bracket |
|---|---|---|
| $0 -- $18,200 | 0% | $0 |
| $18,200 -- $45,000 | 15% | $4,020.00 |
| $45,000 -- $135,000 | 30% | $27,000.00 |
| $135,000 -- $190,000 | 37% | $20,350.00 |
| $190,000+ | 45% | n/a |
What does this calculator do?
This calculator takes your annual gross salary and deducts income tax, Medicare levy, HECS-HELP repayments, and accounts for superannuation to show you exactly how much you take home. All figures are based on ATO rates for the 2026-27 financial year (1 July 2026 to 30 June 2027).
How is income tax calculated?
Australia uses a progressive tax system with a tax-free threshold of $18,200. You pay 15c for each dollar between $18,200 and $45,000, then 30c up to $135,000,37c up to $190,000, and 45c above that. The Low Income Tax Offset (LITO) of up to $700 further reduces tax for lower earners.
What is the Medicare Levy?
The Medicare Levy is 2% of your taxable income, funding Australia's public healthcare system. Singles on $28,011 or less pay none, and it phases in up to $35,014. Seniors and pensioners pay none up to $44,268. These are the 2025-26 limits, the latest announced. If you earn over $105,000 and don't have private hospital cover, you also pay the Medicare Levy Surcharge (1-1.5%).
What about HECS-HELP repayments?
Since 2025-26, HECS-HELP has used a marginal repayment system. For 2026-27, you only start repaying when your income exceeds $69,528, and the rate applies only to income above each threshold -- not your entire income. This means no more "cliff" where earning $1 more could trigger thousands in extra repayments.
How does superannuation work?
Your employer must pay 12% Superannuation Guarantee (SG) on top of your qualifying earnings (normal pay plus any salary sacrifice). If your salary is advertised as "package inclusive of super", the super is taken from within that total package, reducing your base (cash) salary. Super is only owed on the first $270,830 of earnings a year. Under Payday Super (from 1 July 2026), it must reach your fund within 7 days of each payday.
What is the $1,000 standard deduction?
From 2026-27, anyone who earns wages can take $1,000 off their taxable income for work costs. You do not need receipts. If your real work expenses are bigger, you claim those instead. This calculator includes it. Your employer still takes tax from each pay as if it did not exist, so the saving usually comes back as part of your tax refund.
What changes after 2026-27?
Two tax cuts are already law but have not started yet. From 1 July 2027 the first tax rate falls from 15% to 14%. From 2027-28 workers also get a new Working Australians Tax Offset of up to $250. They are not included in the 2026-27 figures above.
ATO-Aligned: This calculator uses official ATO rates and thresholds for the 2026-27 financial year (1 July 2026 -- 30 June 2027). Results are indicative -- for complex situations, consult a registered tax agent.
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Disclaimer: This calculator provides estimates based on current ATO rates and thresholds for the 2026–27 financial year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your individual circumstances. Always consult a qualified tax agent before making financial decisions. Read our terms
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