Take-home pay calculator
See what actually lands in your bank account after income tax, the Medicare levy and HECS-HELP, using the 2026-27 rates that started on 1 July 2026.
Take-home pay — 2026-27
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2026-27 tax rates
Australia taxes income in slices. You never pay one rate on everything you earn.
| Taxable income | Tax on this income |
|---|---|
| $0 to $18,200 | Nil |
| $18,201 to $45,000 | 15c for each $1 over $18,200 |
| $45,001 to $135,000 | $4,020 plus 30c for each $1 over $45,000 |
| $135,001 to $190,000 | $31,020 plus 37c for each $1 over $135,000 |
| $190,001 and over | $51,370 plus 45c for each $1 over $190,000 |
The 2% Medicare levy applies on top for most taxpayers. Foreign residents and working holiday makers use different rates and do not get the tax-free threshold. More on the 2026-27 brackets.
Take-home pay at a glance
| Salary | Income tax | Medicare | Take-home | Average rate |
|---|---|---|---|---|
| $40,000 | $2,695 | $800 | $36,505 | 8.7% |
| $60,000 | $8,420 | $1,200 | $50,380 | 16.0% |
| $80,000 | $14,520 | $1,600 | $63,880 | 20.2% |
| $100,000 | $20,520 | $2,000 | $77,480 | 22.5% |
| $120,000 | $26,520 | $2,400 | $91,080 | 24.1% |
| $150,000 | $36,570 | $3,000 | $110,430 | 26.4% |
| $200,000 | $55,870 | $4,000 | $140,130 | 29.9% |
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Common questions
What changed in the 2026-27 tax year?
The rate on income between $18,201 and $45,000 dropped from 16% to 15% on 1 July 2026. That is worth up to $268 a year if you earn $45,000 or more. It falls again to 14% on 1 July 2027.
Is superannuation included in my salary?
It depends on how the job was advertised. A '$100,000 package' usually includes super, while '$100,000 plus super' does not. The superannuation guarantee is 12% and it is paid on top of your wage, so the difference between the two is real money. Use the toggle above to switch.
Why is my payslip slightly different?
Employers use ATO withholding tables, which round to the nearest dollar and assume your pay is the same every period. Bonuses, overtime, salary sacrifice and a mid-year pay rise all shift the numbers. Any difference is squared up when you lodge your tax return.
What is the Medicare levy?
It is 2% of your taxable income and it funds public healthcare. Low income earners pay a reduced levy or none at all. A separate Medicare levy surcharge applies to higher earners without private hospital cover.
Based on ATO rates for the 2026-27 income year, checked 28 July 2026. Assumes Australian residency for tax purposes and no other income or deductions. Estimates only, not tax advice.