Calculate Your Take Home Pay
Full Annual Breakdown
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Understanding Your Australian Pay Slip
2025–26 Income Tax Rates (Residents)
- $0 – $18,200: Tax free (tax-free threshold)
- $18,201 – $45,000: 19 cents per dollar above $18,200
- $45,001 – $120,000: $5,092 + 32.5 cents per dollar above $45,000
- $120,001 – $180,000: $29,467 + 37 cents per dollar above $120,000
- $180,001+: $51,667 + 45 cents per dollar above $180,000
Medicare Levy
Most Australian residents pay a 2% Medicare levy on top of income tax. Low-income earners may be exempt or pay a reduced rate. Some people with private hospital cover may be exempt from the Medicare Levy Surcharge (MLS) if they earn over $93,000.
Superannuation (2025–26)
The Superannuation Guarantee rate is 11.5% in 2025–26, increasing to 12% from 1 July 2025. Whether super is included in or on top of your salary depends on your employment contract — always confirm with your employer.
HECS-HELP Repayments
If you have a HECS-HELP debt, repayments are automatically deducted from your pay by your employer once your income exceeds the minimum repayment threshold (currently $54,435 in 2025–26). Repayment rates range from 1% to 10% depending on income.
Calculations are based on 2025–26 ATO rates and are estimates only. Individual tax positions may differ based on offsets, deductions and other factors. Not tax advice — consult a registered tax agent for your specific situation.