Use our take home salary calculator to see your after-tax pay in Australia

Understand your take-home pay with our take home salary calculator

Knowing how much of your salary actually reaches your bank account is essential for budgeting, saving, and planning. Our take home salary calculator gives you a clear estimate of your after-tax income, including the Medicare levy, so you can see exactly what you’ll have to work with each fortnight.

How the calculator works

The calculator uses the 2026–27 resident tax rates published by the Australian Taxation Office. It applies the tax-free threshold of $18,200, then the progressive rates up to 45 cents per dollar for income over $190,000. It also includes the Low Income Tax Offset (LITO) automatically, which can reduce your tax by up to $700 if your taxable income is below $37,500, and phases out gradually until $66,667.

For the Medicare levy, the calculator uses the latest single-person thresholds: $28,011 and $35,013. If your income is below $28,011, you pay no levy. Between $28,011 and $35,013, you pay 10 cents per dollar over the lower threshold. Above $35,013, the full 2% applies. These figures are from the ATO’s current table.

Where your salary sits against benchmarks

To give you context, the calculator compares your take-home pay with two key benchmarks:

• National minimum wage: $26.44 per hour, $1,004.90 per week, or $52,255 per year (Fair Work Ombudsman, from 1 July 2026).
• Full-time adult ordinary time earnings: $2,083.70 per week, or $108,352 per year (ABS Average Weekly Earnings, May 2026, seasonally adjusted). This excludes overtime and employer super.

If your gross salary is around the minimum wage, your take-home pay after tax and Medicare will be close to your gross because the tax-free threshold covers most of it. For example, a full-time worker on the minimum wage of $52,255 would pay about $4,020 in tax (the base amount for the 30% bracket) plus $1,045 in Medicare levy, leaving a take-home of roughly $47,190 per year, or $1,815 per fortnight.

At the full-time ordinary time average of $108,352, the tax is higher: $31,020 plus 30 cents for each dollar over $45,000, which comes to about $31,020 + $19,005 = $50,025, plus Medicare levy of $2,167. That leaves a take-home of about $56,160 per year, or $2,160 per fortnight. These are rough estimates – your exact take-home depends on your specific circumstances.

Important notes about your estimate

Our calculator is a resident estimate only. It does not include:

• HELP/HECS repayments
• Medicare levy surcharge (for singles earning over $93,000 or families over $186,000 without appropriate private hospital cover)
• Salary sacrifice arrangements
• Payroll tax-table rounding by your employer

Always treat the result as a guide, not a tax assessment. For precise figures, use the ATO’s own withholding tools or speak to your payroll department.

How to use the calculator

Simply enter your gross annual salary (or weekly/fortnightly amount) and select your residency status. The calculator will instantly show your estimated take-home pay after tax and Medicare. You can also adjust for the number of pay periods – weekly, fortnightly, or monthly – to see what lands in your account each time.

If you’re comparing job offers, remember that some ads quote a salary ‘plus super’ (the employer adds 12% super on top) while others say ‘including super’ (the super is part of the quoted figure). Our calculator assumes ‘plus super’ – the super is not deducted from your take-home. If your offer is ‘including super’, you’ll need to subtract the super component from the gross before using the calculator.

More resources

For further reading, check out our guides on salary packaging and superannuation. You can also explore the minimum wage page for detailed rates and the average pay page for industry comparisons.