Australia Take-Home Pay Calculator (2025–26)
Net pay after income tax, Medicare levy, HELP/HECS and salary-sacrificed super — fortnightly, monthly and weekly — with the 12% superannuation guarantee shown alongside.
How it works
net = salary − salary sacrifice − income tax − Medicare levy 2% − HELP repayment; super guarantee = 12% × ordinary time earnings, paid by the employer on top
Australian salaries are usually quoted excluding superannuation, with the 12% guarantee paid on top into your fund — so a $90,000 salary is a $100,800 package. PAYG withholding covers income tax and the Medicare levy; HELP repayments are withheld too if you have declared a debt. Salary sacrificing extra super is taxed at 15% inside the fund instead of your marginal rate, within the $30,000 concessional cap that includes the employer’s 12%.
Worked example
$90,000 with a HELP debt: tax $17,788, Medicare $1,800, HELP $3,450 → $66,962 a year, $2,575 a fortnight; the employer adds $10,800 of super.
Frequently asked questions
Why does my payslip show slightly different tax?
Withholding tables round per pay period and may not include offsets; the annual return reconciles it.
Does super count as income?
Not for income tax — it is taxed at 15% in the fund. Super is included in some means tests.
Related calculators
Uses 2025–26 Australian rates and thresholds (residents). Figures change each July — confirm with the ATO, your state revenue office or a registered tax agent. Educational estimate, not tax advice.