Super on top: Your employer pays 12% superannuation in addition to your quoted salary. Your take-home pay is based on the full gross amount.
Super included: Your salary includes superannuation. Your actual cash salary is approximately gross ÷ 1.12. Tax and take-home are calculated on this lower figure.
Estimate only. Uses ATO 2026-27 income tax, Medicare levy, and HECS/HELP repayment rates. Does not account for salary sacrifice, investment income, deductions, or Medicare Levy Surcharge. Verify with myTax or a tax agent.
This calculator estimates your take-home pay for FY 2026-27 using ATO PAYG income tax rates, the Medicare levy, and superannuation, then shows the result as weekly, fortnightly, monthly and annual figures side by side.
The super toggle matters more than most people realise. Many job ads quote a salary "package" that already includes the 12% employer superannuation guarantee contribution, while others quote a base salary with super paid on top of it — getting this wrong can overstate your real take-home pay by thousands of dollars a year. Choose "Super on top" if your quoted salary is the amount you're paid before your employer separately contributes 12% super. Choose "Super included" if your quoted salary is a total package figure that already has the 12% super contribution folded into it — in that case your actual cash salary is approximately the package amount divided by 1.12, and tax is calculated on that lower cash figure.
Income tax is calculated progressively using the ATO's resident, non-resident, or Working Holiday Maker brackets for FY 2026-27, depending on the residency status selected — each bracket's rate applies only to the slice of income within that band, not your whole salary. Residents also pay the Medicare levy, calculated here as a simplified flat 2% of cash salary above the low-income threshold (~$28,000); the Medicare Levy Surcharge, which can add a further 1–1.5% for higher earners without private hospital cover, is not included. Non-residents and Working Holiday Makers don't pay the Medicare levy and aren't eligible for the Low Income Tax Offset.
If you tick "I have a HECS/HELP debt", the calculator applies the ATO's FY 2026-27 compulsory repayment thresholds. Since 1 July 2025, HELP repayments are calculated on a marginal basis like income tax: nothing below $69,528, 15% on the slice between $69,528 and $129,717, then a fixed $9,028 plus 17% on the slice between $129,717 and $186,050. Above $186,050, the rate reverts to a flat 10% of your whole repayment income rather than a marginal slice — the one place this system still has a "whole income" rate.
This is an estimate only, built for a straightforward salaried employee. It doesn't account for salary sacrifice, investment or other non-salary income, tax deductions, the Medicare Levy Surcharge, or offsets beyond the Low Income Tax Offset. For an exact figure, check the ATO's own tax withheld calculator or speak to a registered tax agent.
Tax brackets and the Medicare levy are based on the Australian Taxation Office's published individual income tax rates. For your own exact figures, see ato.gov.au.