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Australian Pay Calculator
Enter your salary to see your take-home pay, PAYG income tax, Medicare levy, HELP repayment, and employer super — broken down by week, fortnight, and month.
How your Australian pay is calculated
This pay calculator uses Australia's Pay As You Go (PAYG) system — the way income tax is collected from your salary throughout the year. Your employer withholds tax from each pay cycle based on ATO tax tables and remits it on your behalf.
Australia uses a progressive tax system — you pay higher rates only on the portion of income within each bracket, not on your entire salary. The first $18,200 is tax-free for Australian residents.
FY 2024-25 income tax brackets
The current Australian tax brackets for residents (FY 2024-25, also applying in FY 2025-26) are: 0% up to $18,200, 16% from $18,201 to $45,000, 30% from $45,001 to $135,000, 37% from $135,001 to $190,000, and 45% above $190,000. These rates were updated in the Stage 3 tax cuts, reducing the 19% and 32.5% rates that applied previously.
For a deeper explanation of how each bracket works and how capital gains interact with your income tax, read our complete guide to Australian PAYG tax.
Understanding your take-home pay
Your take-home pay is your gross salary minus income tax, Medicare levy, and any HELP/HECS repayments. For most Australians, the effective tax rate (total tax as a percentage of income) is significantly lower than their marginal rate. For example, someone earning $100,000 pays an effective rate of around 24%, despite sitting in the 30% bracket.
The Low Income Tax Offset (LITO) further reduces tax for incomes under $66,667. This pay calculator applies LITO automatically — you'll see the saving in your breakdown.
Medicare levy and surcharge
The Medicare levy is 2% of taxable income for residents, with a low-income phase-in from $24,276 to $30,345. If you earn over $93,000 and don't have private hospital cover, you may also pay the Medicare levy surcharge (1%–1.5% depending on income).
HELP/HECS repayments
HELP repayments are calculated on your repayment income (taxable income plus fringe benefits). From FY 2025-26, repayments use a new marginal system: 15c per dollar over $67,000 up to $125,000, then 17c per dollar above $125,000. This is fairer than the old system, which created sudden jumps in repayment amounts at threshold boundaries.
Employer superannuation
Your employer contributes 11.5% of your ordinary time earnings to your super fund (FY 2024-25). This is paid on top of your salary, not deducted from it. The concessional contributions cap is $30,000 per year — contributions above this are taxed at your marginal rate instead of the concessional 15%.
Frequently asked questions
▶How much tax do I pay on my salary in Australia?
Australian residents pay no tax on the first $18,200 (tax-free threshold), then 16% on income from $18,201 to $45,000, 30% from $45,001 to $135,000, 37% from $135,001 to $190,000, and 45% on income over $190,000. These are the FY 2024-25 rates, which also apply in FY 2025-26.
▶What is the difference between gross salary and take-home pay?
Your gross salary is your total annual pay before any deductions. Take-home pay (also called net pay) is what you actually receive after income tax, Medicare levy, and any HELP/HECS repayments are withheld by your employer. Use this pay calculator to see the exact breakdown.
▶How is employer superannuation calculated?
In FY 2024-25, your employer must contribute 11.5% of your ordinary time earnings to your super fund. This is paid on top of your salary — it is not deducted from your gross pay. The concessional contributions cap is $30,000 per year.
▶Do I have to pay the Medicare levy surcharge?
The Medicare levy surcharge (MLS) applies if your taxable income exceeds $93,000 and you do not have an appropriate level of private hospital cover. The surcharge ranges from 1% to 1.5% depending on your income. It is separate from the standard 2% Medicare levy, which applies to all residents.
▶How are HELP/HECS repayments calculated in 2025?
From FY 2025-26, HELP repayments use a new marginal system. You pay nothing below $67,000 in repayment income, 15 cents per dollar over $67,000 up to $125,000, and 17 cents per dollar over $125,000. This replaces the old tiered percentage system and is fairer for people just above the threshold.
This calculator uses FY 2024-25 tax rates (also valid for FY 2025-26) for Australian resident individuals. It is for general information only and does not constitute financial or tax advice. Consult a registered tax agent for advice specific to your situation. Last updated March 2026.