How Fair Pay Calculator works out your pay
Fair Pay Calculator gives an estimate to help you check a pay slip. It is not the Fair Work Ombudsman, the ATO or a lawyer, and it is not financial, tax or legal advice. If anything here differs from the award, the award applies.
Where the rates come from
- Award pay rates: the Fair Work Ombudsman's pay guides for the Hospitality (MA000009), Restaurant (MA000119), Fast Food (MA000003) and General Retail (MA000004) awards, effective 1 July 2026. Retail hours, overtime, shiftwork and minimum shift rules are read from the award text on awards.fairwork.gov.au. A script reads the tables from the guides, and tests compare spot values with the guides.
- Tax, Medicare, study loan and super: ATO tax tables and withholding schedules, and Services Australia rates for Family Tax Benefit. The weekly tax tables for 2026-27 are checked against the ATO's published sample rows. Older tax years come from a third-party summary and are labelled as not yet checked line by line.
- Retail: ordinary hours are Mon to Fri 7am to 9pm, Saturday 7am to 6pm and Sunday 9am to 6pm (later if your shop trades later). Work outside those hours is overtime unless you were hired for night shifts. Not covered: baking production employees, retail apprentices, school students on a shorter minimum shift, and the 5-days-a-week and rostered-days-off rules.
How a shift is worked out
- We start from your age, award, level and whether you are casual, part-time or full-time. Juniors get a percentage of the adult rate by age. Apprentices are paid by year of apprenticeship, not age.
- Every minute of the shift is given a pay type: ordinary, evening, night, Saturday, Sunday or public holiday. The rate for that minute comes from the award.
- Overtime starts when you pass the daily limit, your rostered hours, or 38 hours in the week. The first hours of overtime pay less than the later ones. Each day's overtime is counted on its own.
- Casuals get the 25% loading and a minimum paid shift. A split shift counts as one engagement.
- Split shifts add the split shift allowance where the award pays one. Casuals do not get it.
- Money is worked out in whole cents and rounded once at the end of each shift.
Pharmacy, security, clerks, fitness, aged care, children's services and cleaning
For these awards we read the hours of work, penalty rates, overtime and minimum shift rules from the award text on awards.fairwork.gov.au, and the dollar rates from the pay guides effective 1 July 2026. Every figure in the pay checker is the pay guide hourly rate times the award's percentage, and we compared it with the pay guide. Allowances, broken shifts, sleepovers, on-call, rostered days off and annualised wages are not worked out. Rules that differ by award:
- Pharmacy: weekday hours before 8am and after 9pm are loaded, Saturday and Sunday have their own time bands, and nothing is ordinary before 7am. Pharmacy students and interns are not covered.
- Security: weekdays before 6am and after 6pm are paid as night. Permanent night work rates, the 8 hour break rule and call-back minimums are not covered.
- Clerks: ordinary hours are Mon to Fri 7am to 7pm and Saturday 7am to 12:30pm. Shiftwork, the 4 hour Sunday and public holiday minimum and rostered days off are not covered.
- Fitness: ordinary hours are 5am to 11pm weekdays and 6am to 9pm weekends. Casuals are paid 130% on weekends and public holidays, as the award says. The public holiday overtime rate is not stated in the award; we use 250%.
- Aged care: the shift loading is paid for the whole shift and is set by its start time. Staff on fewer than 38 hours a week only get it when the shift starts before 6am or ends after 6pm, which is not checked.
- Children's services: ordinary hours are Monday to Friday 6am to 6:30pm, so Saturday work is overtime unless you are a shiftworker. Shiftwork loadings are not covered, and neither is the 4 hour weekend minimum.
- Cleaning: a weekday shift that starts before 6am or finishes after 6pm is loaded for the whole shift. Part-time staff have a different loading, not covered here. The minimum shift is 2 hours, but the award sets it by cleaning area (1 to 4 hours).
Salary or day rate
An employee is paid for every weekday, 260 a year, including annual leave, personal leave and public holidays, and the employer pays super on top. A contractor is paid only for the days they work and pays for their own leave and super. To find the day rate that matches a salary we add super to the salary, then divide by the days a contractor could actually bill: 260 less public holidays, annual leave, personal leave and any days between contracts. The defaults are 4 weeks of annual leave, 10 days of personal leave, 10 public holidays and super at 12%; you can change all of them. Going the other way, we multiply the day rate by the days you can bill, take off your own costs, and split what is left into a salary and super.
Fringe benefits tax (FBT) is paid by the employer, not the worker. We work it out as 47% of the benefit's value multiplied by the gross-up rate: 2.0802 where the employer can claim GST credits on the benefit, 1.8868 where it cannot (ATO rates for the FBT years to 31 March 2027). Every rate and threshold on the ATO page is on our fringe benefits tax rates page, and the "Work out a benefit's value" box on the day rate screen uses them for a car, a vehicle that is not a car, and a cheap loan. For example, $11,000 of benefits with GST credits has $22,882 grossed-up value and $10,755 of FBT. FBT raises what the job costs the employer, so we show that cost and the cost per day worked, but it does not change the day rate that matches your package. Benefits above $2,000 are also shown on your income statement as reportable fringe benefits, at the type 2 grossed-up value, which counts towards some income tests. The value helper covers a car, a vehicle that is not a car, and a cheap loan. For housing, car parking or living-away allowances, take the rates from the ATO page and work out the value yourself. Exempt benefits (for example a work laptop or an eligible electric car) can be set to no FBT.
The figures are before tax and before GST. They do not include long service leave, leave loading, notice or redundancy pay, a contractor's insurance and tax, Fringe benefits such as a car, phone, bonus or salary-packaged items are added to what the day rate has to replace; value each at what it would cost you. A contractor's own business costs have their own box. Public holidays differ by state, so check how many apply to you.
What we do not cover
| Not covered | What to do |
|---|---|
| Trainees (the national training wage) and school-based workers | Use the Fair Work Pay Calculator. |
| Apprentices who started before 1 January 2014 | Use the Fair Work Pay Calculator. |
| Shifts that cross the daylight saving change in April or October | Hours are counted by the clock, so a night shift on that night is an hour out. Check it by hand. |
| Rostered days off, the five-days-a-week limit, and allowances other than the split shift one | Check your award and payslip. |
| Enterprise agreements and contracts that pay more than the award | Check your agreement. It can only pay more than the award, never less. |
| Workplaces under other awards (warehouse, healthcare, hair and beauty and others) | Use the Fair Work Pay Calculator. |
| Novated leases, purchased leave, business income, super carry-forward, Energy Supplement, Rent Assistance, shared care, child support | Use the ATO and Services Australia calculators. |
How sure are we about each figure?
Checked on 18 October 2026. "Checked" means we compared the figure with the official page or file. "Corroborated" means several independent sources agree but we could not open the official page. "Not checked" means it comes from a third-party summary and has not been compared with an official source yet.
| Figure | Source | Status |
|---|---|---|
| Award pay rates, 11 awards | Fair Work pay guides, from 1 July 2026 | Checked. The rules for pharmacy, security, clerks, fitness, aged care, children's services and cleaning were built from the award text and compared with the pay guide figures. Nobody who knows each award has checked them clause by clause. |
| Income tax rates 2018-19 to 2026-27 (resident). Foreign resident and working holiday maker rates 2019-20 to 2025-26, and 2026-27 working holiday maker rates | ATO rate pages and the working holiday maker file you supplied | Checked. Errors in the third-party data (2025-26 working holiday maker rates, 2025-26 Medicare thresholds, a 2020-21 seniors threshold, three study loan tables) were found and fixed. |
| Super guarantee, concessional and after-tax caps, maximum contribution base, co-contribution thresholds up to 2025-26 | ATO key super rates pages | Checked |
| Co-contribution thresholds 2026-27 ($49,293 to $64,293) | ATO table, seen through a search summary and three other sources | Corroborated |
| Study loan thresholds 2019-20 to 2026-27 | ATO study and training loan page | Checked |
| Medicare levy surcharge thresholds 2023-24 to 2026-27 | ATO surcharge page | Checked |
| 2026-27 tax tables, offsets, Medicare, study loan, pay slip tables, Family Tax Benefit rates and income tests, maintenance income test | ATO and Services Australia pages and files | Checked |
| Medicare levy low-income thresholds for 2026-27 | They repeat the 2025-26 amounts until the ATO publishes new ones | Provisional |
| Fringe benefits tax rates, car and vehicle rates, reportable amount, luxury car tax limit for 2026-27 ($91,661) | ATO pages | Checked |
| Family Tax Benefit Energy Supplement ($1.40 to $4.48 a child a fortnight for Part A, $2.80 or $1.96 for Part B) | Services Australia page you supplied, updated 20 November 2024 | Checked |
| Shared care percentages | Department of Social Services guide | Checked. We apply the percentage to Part A only. |
| Rent Assistance from 20 September 2026 | Several websites. The amounts fit the Services Australia table of April 2025 indexed by about 5.6%. | Not checked against a 2026 Services Australia page |
| Child Care Subsidy rates, caps and income steps for 2026-27 | Summaries of the Department of Education and Services Australia pages, which agree | Corroborated |
| Child Care Subsidy 3 Day Guarantee hours (72 and 100) | Starting Blocks (Australian Government) | Checked |
| Income percentiles | ATO taxation statistics 2023-24, Table 16 | Checked. The figures are two years old. |
| Where your tax goes | Budget Paper No. 1, Statement 6, 2026-27 | Checked |
| Inflation | Reserve Bank table G1 up to June 2026 | Checked. After that it uses the rate you enter. |
| Medicare levy family thresholds before 2025-26, individual thresholds for 2018-19 and 2019-20, offsets, the 2018-19 study loan table, pay slip tables before 2026-27 | Third-party summary | Not checked |
| Tax year 2027-28 | The 14% bottom rate is law. Everything else repeats 2026-27. | Provisional |
How we keep it current
Rates change on 1 July each year, and sometimes during the year. Each set of rates has a start date and an end date. After the end date the pay checker shows a warning and turns off reports until the rates are updated. The date on every result shows when the rates were last checked.
Found a mistake?
Tell us. It helps everyone who uses the page. Report a mistake and include what you entered and what you expected. Please do not send your name or employer.
Update log
| Date | Change |
|---|---|
| 18 October 2026 | Take-home calculator extended: novated leases, super extras, overtime, pay dates, business losses, shared care and Rent Assistance, income percentile and where your tax goes. Added the inflation, Child Care Subsidy and home loan calculators. |
| 17 October 2026 | Rates for 2026-27 loaded. Apprentice rates and split shifts added. Tax years 2018-19 to 2027-28 added. |