Pay calculator Australia 2026–27

Take-home pay in Australia for 2026–27 after income tax, the Medicare levy and HELP, per year, month, fortnight and week, with super shown.

Gross pay

Paid per

Your take-home pay

Take-home pay a year: $70,680.00
Take-home pay a month: $5,890.00
Take-home pay a fortnight: $2,718.46
Take-home pay a week: $1,359.23

Your details

The salary you entered

Private hospital cover

HELP or other study loan

Breakdown of your pay

Take-home 78.5%
Tax 19.5%
Social contributions 2.0%

Pay and deductions per year, month and week
Item	Year	Month	Fortnight	Week
Gross pay	$90,000.00	$7,500.00	$3,461.54	$1,730.77
Income tax	−$17,520.00	−$1,460.00	−$673.85	−$336.92
Medicare levy	−$1,800.00	−$150.00	−$69.23	−$34.62
Take-home pay	$70,680.00	$5,890.00	$2,718.46	$1,359.23

Effective tax rate:: 21.5%tax, social contributions and loan repayments as a share of gross pay
Marginal rate:: 32.0%of your next unit of pay

Not deducted from your pay

Employer super guarantee (12%, paid on top)$10,800.00 a year

How this was worked out

Annual figures for a full-year resident in 2026–27: taxable income in whole dollars, tax and levies to the cent. Payroll withholding uses ATO tax tables per pay period, so payslips differ slightly; the difference is settled in your tax return.

Tax year 2026–27 (1 July 2026 to 30 June 2027) · last checked 23 Sept 2026 · Sources: ATO: Tax rates – Australian resident; ATO: Low and middle income earner tax offsets; ATO: Medicare levy reduction for low-income earners; ATO: Medicare levy surcharge income thresholds and rates; ATO: Study and training support loans rates and repayment thresholds; ATO: Super guarantee rates and thresholds. Estimate, not financial or tax advice. Calculated in your browser; nothing is sent.

How it works

This pay calculator for Australia works out your take-home pay for the 2026–27 income year (1 July 2026 to 30 June 2027). Enter your salary per year, month, fortnight, week or hour and it deducts income tax at the resident rates, the Medicare levy and, if you have one, your HELP or other study loan repayment, then shows your pay per year, month, fortnight and week.

It uses the ATO's rates for 2026–27, including the cut of the lowest rate to 15% from 1 July 2026, the low income tax offset, the Medicare levy with its low-income reduction, the Medicare levy surcharge for singles without private hospital cover, and the new marginal study loan repayment system. A salary of $90,000 leaves $70,680 a year, or $2,718.46 a fortnight, and your employer pays 12% super on top.

Everything is calculated in your browser. It is an estimate for an Australian resident for the whole year, not tax or financial advice: deductions, other income, family thresholds, salary sacrifice and the tax-free threshold on a second job are not included.

Take-home pay on common salaries (2026–27)

Figures for an Australian resident for the full 2026–27 year, salary excluding super, with private hospital cover (no surcharge), no study loan and no deductions.

Amounts are rounded to whole units; type any salary into the calculator above for the exact figure and your own options.

Take-home pay by salary, Australia, 2026–27
Salary	Income tax	Medicare	Take-home a year	A month	A fortnight	A week
$30,000	$1,070	$199	$28,731	$2,394	$1,105	$553
$40,000	$2,695	$800	$36,505	$3,042	$1,404	$702
$50,000	$5,270	$1,000	$43,730	$3,644	$1,682	$841
$60,000	$8,420	$1,200	$50,380	$4,198	$1,938	$969
$65,000	$9,995	$1,300	$53,705	$4,475	$2,066	$1,033
$70,000	$11,520	$1,400	$57,080	$4,757	$2,195	$1,098
$75,000	$13,020	$1,500	$60,480	$5,040	$2,326	$1,163
$80,000	$14,520	$1,600	$63,880	$5,323	$2,457	$1,228
$85,000	$16,020	$1,700	$67,280	$5,607	$2,588	$1,294
$90,000	$17,520	$1,800	$70,680	$5,890	$2,718	$1,359
$100,000	$20,520	$2,000	$77,480	$6,457	$2,980	$1,490
$110,000	$23,520	$2,200	$84,280	$7,023	$3,242	$1,621
$120,000	$26,520	$2,400	$91,080	$7,590	$3,503	$1,752
$130,000	$29,520	$2,600	$97,880	$8,157	$3,765	$1,882
$140,000	$32,870	$2,800	$104,330	$8,694	$4,013	$2,006
$150,000	$36,570	$3,000	$110,430	$9,203	$4,247	$2,124
$175,000	$45,820	$3,500	$125,680	$10,473	$4,834	$2,417
$200,000	$55,870	$4,000	$140,130	$11,678	$5,390	$2,695
$250,000	$78,370	$5,000	$166,630	$13,886	$6,409	$3,204

How take-home pay is worked out in Australia

Income tax is charged in brackets on your taxable income: nothing up to the $18,200 tax-free threshold, then 15%, 30%, 37% and 45%. The low income tax offset (up to $700) then reduces the tax of lower earners, so a full-year resident pays no income tax on a salary up to $22,866.

On top of income tax most residents pay the 2% Medicare levy, which is reduced for low incomes and does not apply below $28,011 for a single person. Single people earning over $105,000 without private hospital cover also pay the Medicare levy surcharge. If you have a HELP, VSL or other study loan, a compulsory repayment is added once your repayment income passes $69,528.

Your employer withholds tax from each pay using the ATO tax tables. The tables are designed to match the annual tax, and any difference is settled when you lodge your tax return.
Offsets reduce income tax, never the Medicare levy, and cannot create a refund on their own.
Study loan repayments are worked out on repayment income, which adds reportable fringe benefits, net investment losses and reportable super contributions to taxable income. This calculator uses your salary.

Super: on top of your salary, or inside a package

Your employer must pay the super guarantee of 12% of your ordinary time earnings into your super fund, on top of your salary. It is not deducted from your take-home pay. Since 1 July 2026 it must be paid with each payday, and it is capped at a maximum contribution base of $270,830 of earnings a year.

Some job offers quote a total package that already includes super. Choose "Includes super" and the calculator takes the super out first, then works out tax on the base salary that is left.

Resident income tax rates 2026–27

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

These rates do not include the 2% Medicare levy. The rate on income between $18,201 and $45,000 fell from 16% to 15% on 1 July 2026.

Low income tax offset (LITO)

Taxable income	Offset
$37,500 or less	$700
$37,501 to $45,000	$700 minus 5c for each $1 over $37,500
$45,001 to $66,667	$325 minus 1.5c for each $1 over $45,000
Over $66,667	Nil

The offset reduces income tax (never below zero) but not the Medicare levy. With the full offset, a resident pays no income tax on a salary up to $22,866.

Medicare levy and surcharge (singles)

Taxable income	Medicare levy	Surcharge without private hospital cover
Up to $28,011	Nil	Nil
$28,012 to $35,013	10% of income over $28,011	Nil
$35,014 to $105,000	2%	Nil
$105,001 to $123,000	2%	1%
$123,001 to $164,000	2%	1.25%
$164,001 and over	2%	1.5%

The low-income thresholds shown are the latest the ATO has published (for 2025–26); the 2026–27 figures are normally set in the next Budget and only affect incomes up to about $35,013. Families, seniors and pensioners have higher thresholds.

HELP and other study loan repayments 2026–27

Repayment income	Compulsory repayment
$0 to $69,528	Nil
$69,529 to $129,717	15c for each $1 over $69,528
$129,718 to $186,050	$9,028 plus 17c for each $1 over $129,717
$186,051 and over	10% of total repayment income

Repayments now apply only to income above the threshold (the marginal system), instead of a percentage of your whole income.

Sources and last check

Tax year 2026–27 (1 July 2026 to 30 June 2027). Every rate and threshold on this page was last checked on 23 September 2026 against the official sources below; the calculator, the tables and the figures in the text all come from the same data.

This is an estimate to help you plan, not financial or tax advice. Your employer, your tax authority and your own circumstances decide what you actually pay.

Salary after tax in other countries: every country calculator

Sources: ATO: Tax rates – Australian resident (checked 2026-09-23); ATO: Low and middle income earner tax offsets (checked 2026-09-23); ATO: Medicare levy reduction for low-income earners (checked 2026-09-23); ATO: Medicare levy surcharge income thresholds and rates (checked 2026-09-23); ATO: Study and training support loans rates and repayment thresholds (checked 2026-09-23); ATO: Super guarantee rates and thresholds (checked 2026-09-23)

How to use it

Type your salary and choose whether it is per year, month, fortnight, week or hour (add your hours a week for an hourly rate).
Say whether the figure includes super (a total package) or is your base salary; super is then shown separately.
Tick HELP if you have a study loan, and choose "No" for private hospital cover if you are single without it and may owe the Medicare levy surcharge.
Read your take-home pay per year, month, fortnight and week, the breakdown of each deduction and your effective and marginal rates.

Frequently asked questions

How much is $100,000 after tax in Australia?

In 2026–27 a resident on $100,000 takes home $77,480 a year after income tax and the Medicare levy, which is $6,456.67 a month, $2,980 a fortnight or $1,490 a week. Your employer adds 12% super on top. A HELP debt or the Medicare levy surcharge would reduce it.

What is $70,000 or $80,000 after tax?

$70,000 leaves $57,080 a year ($2,195.38 a fortnight) and $80,000 leaves $63,880 a year ($2,456.92 a fortnight), for a full-year resident with no study loan. Between $45,000 and $135,000 each extra dollar is taxed at 30% plus the 2% levy.

What changed on 1 July 2026?

The tax rate on income between $18,200 and $45,000 fell from 16% to 15%, which saves a full-year resident up to $268 a year. The other brackets, the Medicare levy rate and the low income tax offset stayed the same, and study loan repayment thresholds were indexed.

Is super included in my salary?

Usually not: a salary is normally quoted without super, and your employer pays 12% on top. If your offer says "package" or "including super", choose that option and the calculator splits the package into base salary and super before working out tax.

How much HELP will I repay?

Nothing until your repayment income passes $69,528. Since the change to marginal repayments, you repay a share of the income above the threshold rather than a percentage of all your income, so a small pay rise no longer triggers a large jump. The table on this page lists the 2026–27 thresholds.

Do I have to pay the Medicare levy surcharge?

Only if you do not have an appropriate level of private hospital cover and your income for surcharge purposes is above the threshold, which for a single person in 2026–27 is $105,000. It is 1% to 1.5% of your income on top of the Medicare levy. Families have a higher, combined threshold.

Why is my fortnightly pay different?

Employers withhold tax per pay using the ATO tax tables, which round and spread the offsets over the year. Whether you claimed the tax-free threshold with this employer, salary sacrifice, allowances and overtime also change each pay. The annual figure here is what your tax return should come to for the same income.

Does this work for foreign residents or working holiday makers?

No. Foreign residents have no tax-free threshold and different rates, and working holiday makers have their own rates. The ATO had not published the 2026–27 foreign resident rates when this page was checked, so this calculator covers Australian residents only.