Take-home pay calculator (Australia)
Your take-home pay is what lands in your bank account after income tax, the Medicare levy and any study loan repayment are taken out. Enter a salary or an hourly rate and the calculator shows it by the week, fortnight, month or year.
Open the take-home pay calculator
What the calculator includes
- Resident income tax rates and the Medicare levy for the 2026-27 tax year, with earlier years available to compare.
- Study loan repayments, if you have one.
- Superannuation your employer pays on top, shown separately from your pay.
- Salary packaging, novated leases and fringe benefits, if you use them.
How to use it
- Choose whether you know a yearly salary or an hourly rate.
- Enter the amount, and the hours you work if you chose an hourly rate.
- Pick how often you are paid. The result updates as you type.
- Open the extra options for a study loan, extra super, salary packaging or a bonus.
The figures are estimates worked out from published tax tables. Your payslip is the final word, because your employer applies the withholding rules to your actual pay. This page is general information, not financial, tax or legal advice. See how we calculate and the tax tables we use.
Common questions
Is super included in my take-home pay?
No. Super is paid by your employer on top of your pay into your super fund, so the calculator shows it separately. If your salary is quoted as a package that includes super, tick that option so it is taken out first.
Does take-home pay include a study loan?
It does if you tick the study loan option. Repayments are worked out from your income using the published repayment table.
Which tax year does it use?
The current year by default. You can pick an earlier year to see what the same pay would have been.
Can I use it for casual pay?
Yes. Enter your hourly rate and the hours you work. To check whether that rate matches the award, use the pay checker.