Take-Home Pay Calculator Australia โ FY 2025-26
Calculate your take-home pay from a gross salary or total package. Includes income tax, Medicare levy, HELP repayment, and employer super. Compare job offers side by side. Stage 3 rates (16% and 30%) applied. Updated for FY 2025-26.
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How to Use This Calculator
Salary to Take-Home tab
Enter your annual salary and select whether it is a gross salary (before tax, excluding super) or a total package (including 12% employer super). Indicate if you have a HELP/HECS debt and private hospital cover, then choose your pay frequency. The calculator shows your take-home pay per period, annual net pay, total deductions, employer super, and effective tax rate.
Compare Offers tab
Enter two job offers with their salary amounts and types (gross or package). The calculator compares the net take-home pay, showing which offer puts more money in your pocket after tax. Super differences are shown separately since they add to long-term wealth but don't affect your bank account.
Salary Breakdown tab
Enter your total package to see the full breakdown: gross salary (package minus super), income tax, Medicare levy, HELP repayment, and net take-home. This is the tab to use when your employer quotes a total package and you want to know what you actually take home.
Share your result
All inputs are encoded in the URL. Click Share to send your exact calculation to your accountant, recruiter, or colleagues.
The Formula
Gross Salary = Total Package ÷ 1.12
Employer Super = Total Package − Gross Salary
Income Tax (Resident, FY 2025-26):
$0 – $18,200: Nil
$18,201 – $45,000: 16 cents per $1 over $18,200
$45,001 – $135,000: $4,288 + 30 cents per $1 over $45,000
$135,001 – $190,000: $31,288 + 37 cents per $1 over $135,000
$190,001+: $51,638 + 45 cents per $1 over $190,000
LITO (Low Income Tax Offset):
Income ≤ $37,500: $700
$37,501 – $45,000: $700 − 5c per $1 over $37,500
$45,001 – $66,667: $325 − 1.5c per $1 over $45,000
Above $66,667: $0
Medicare Levy:
2% of taxable income (reduced if income $26,001–$32,500; exempt if ≤ $26,000)
Take-Home Pay:
Take-Home = Gross Salary − Income Tax − Medicare Levy − MLS − HELP Repayment
Worked Example
Total package of $110,000 — Australian Resident, private health, no HELP
Step 1: Package to gross
Step 2: Income tax calculation
Step 3: Levies and deductions
Step 4: Final result
Key insight: On a $110,000 total package, your gross salary is only $98,214 because 12% goes to super. Your take-home pay is approximately $75,998 per year or $2,923 per fortnight. Many Australians mistakenly calculate tax on the full package amount.
Tax Rates at a Glance (FY 2025-26)
Resident tax brackets (Stage 3)
| Taxable Income | Rate | Tax on Bracket |
|---|---|---|
| $0 – $18,200 | 0% | $0 |
| $18,201 – $45,000 | 16% | $4,288 |
| $45,001 – $135,000 | 30% | $27,000 |
| $135,001 – $190,000 | 37% | $20,350 |
| $190,001+ | 45% | 45c per $1 |
Stage 3 tax cuts effective 1 July 2024. LMITO expired after FY 2022-23.
LITO (Low Income Tax Offset)
| Taxable Income | LITO Amount |
|---|---|
| Up to $37,500 | $700 |
| $37,501 – $45,000 | $700 − 5c per $1 over $37,500 |
| $45,001 – $66,667 | $325 − 1.5c per $1 over $45,000 |
| Above $66,667 | $0 |
LITO applies to residents only. Applied automatically at tax time.
Medicare levy and surcharge
| Component | Rate | Condition |
|---|---|---|
| Medicare levy | 2% | Of taxable income |
| Low-income exemption | 0% | Income ≤ $26,000 |
| Phase-in range | 10% of excess | $26,001 – $32,500 |
| MLS Tier 1 | 1.0% | $93,001 – $108,000 (no private health) |
| MLS Tier 2 | 1.25% | $108,001 – $144,000 |
| MLS Tier 3 | 1.5% | $144,001+ |
Superannuation Guarantee (SG) rates
| Financial Year | SG Rate |
|---|---|
| FY 2024-25 | 11.5% |
| FY 2025-26 | 12% |
| FY 2026-27+ | 12% (capped) |
SG reached its legislated cap of 12% on 1 July 2025.