How to Estimate Your Take-Home Pay in Australia After Tax

An Australian job advertisement usually quotes a gross salary, sometimes "plus super". What lands in your bank account is lower. This guide shows how the estimate works so you can plan a budget with confidence.

Quick answer

Take your gross annual salary, subtract income tax at resident rates and the 2 percent Medicare levy, and divide by 12, 26 or 52 for monthly, fortnightly or weekly pay. Employer super (currently 11.5 to 12 percent depending on the year) is paid on top and does not come out of your pay.

What the calculator includes

• Resident income tax using the current tax-free threshold and progressive brackets.
• Medicare levy of 2 percent of taxable income.
• Pay per week, fortnight, month and year after tax.
• Employer super shown separately so you can see the full package.

Step by step

1. Enter your gross annual salary.
2. Choose whether you are a resident for tax purposes.
3. Read the take-home figures for each pay period.

Things the estimate does not cover

• HELP/HECS repayments and student loan thresholds. Use the HECS-HELP repayment calculator for that.
• Salary-sacrifice contributions, novated leases and other deductions.
• Tax offsets (such as the low-income offset) and private health insurance surcharges.
• Non-resident and working-holiday rates, which are different.

Tips

• Compare offers by total package, not base salary alone: super, bonus and leave loading matter.
• If you have a second job, the tax-free threshold normally applies to only one employer.
• Keep a note of your pay slip's year-to-date figures; the final tax result is settled in your tax return.

This is an estimate for planning, not tax advice.