Australia Paycheck calculator
Gross-to-net take-home pay for any pay frequency.
Your pay
Tax year: 2026/27 · Source: ATO (ato.gov.au)
| Gross income | $80,000.00 |
| Income tax | −$14,520.00 |
| Medicare levy (2%) | −$1,600.00 |
| Net take-home | $63,880.00 |
| Effective tax rate | 20.2% |
- · Australian resident rates (tax-free threshold applied).
- · HELP repayment uses the marginal system: 15% of income over $69,528 plus 17% over $129,717, capped at 10% of income.
- · Medicare levy surcharge (for high earners without private health) not included.
- · Does not include offsets (LITO etc.) or super guarantee.
Understanding your inputs
- Gross annual salary
- Your yearly salary before tax, converted down to each pay period.
- Pay frequency
- How often you're paid — weekly, bi-weekly, semi-monthly, or monthly — which sets the per-cheque figures.
Understanding your results
- Net per period
- Your take-home pay for each cheque after tax and deductions.
- Gross per period
- Your pre-tax pay for each cheque at the chosen frequency.
- Tax per period
- What's withheld each cheque for tax and contributions.
Common scenarios
Jump straight to a pre-calculated answer for a typical scenario.
How your Australian pay is calculated
Employers withhold income tax under PAYG (Pay As You Go) each pay run, and pay your superannuation on top of your wage:
Net pay = Gross − PAYG income tax − Medicare levy − HECS-HELP
Worked example ($90,000/yr, fortnightly)
- Annual income tax (2026–27 rates): ~$17,520
- Medicare levy (2%): $1,800
- Total annual deductions ≈ $19,320
- Net ≈ $2,718/fortnight before HECS-HELP
Superannuation is on top
The Superannuation Guarantee (12% from 1 July 2025) is paid by your employer in addition to your stated salary — it doesn't reduce take-home, but it isn't cash you can spend now either. Always check whether a quoted salary is "plus super" or "package including super."
HECS-HELP and pay frequency
If you have a study debt, compulsory HECS-HELP repayments are withheld through PAYG once income passes the threshold ($69,528 for 2026–27) — 15c per dollar over the threshold, 17c over $129,717, capped at 10% of income. Common pay cycles are weekly, fortnightly and monthly — annual tax is the same; only timing differs.
Common mistakes
- Treating super as take-home. It's preserved until retirement age.
- Forgetting the Medicare levy. 2% on top, with a surcharge for high earners without private hospital cover.
- Ignoring salary sacrifice. Concessional super contributions are taxed at 15%, often below your marginal rate.
What this doesn't cover
- Medicare Levy Surcharge and private health rebate
- Salary-sacrifice arrangements and novated leases
- Working-holiday-maker and non-resident rates
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The 2,080-hour rule, a full conversion table from $12 to $75 an hour, and what's actually left after tax.
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Key terms
Frequently asked questions
How is take-home pay calculated?
What's deducted from my paycheck?
How does pay frequency affect tax?
Why is my first paycheck taxed differently?
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