Take Home Pay Calculator
Calculate your net pay after income tax, Medicare levy, and superannuation deductions.
Your total annual salary before tax and deductions
Affects Medicare Levy Surcharge if income exceeds $93,000
How It Works
This calculator applies the current ATO individual income tax rates, the 2% Medicare Levy (with low-income thresholds), Medicare Levy Surcharge if applicable, and HELP/HECS compulsory repayment rates to your gross salary. Superannuation is calculated at the current guarantee rate of 11.5%. The result shows your net pay per pay period after all deductions.
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Frequently Asked Questions
What are the Australian income tax rates for 2025-26?
For 2025-26, Australian residents pay 0% on income up to $18,200, 16% on $18,201-$45,000, 30% on $45,001-$135,000, 37% on $135,001-$190,000, and 45% on income over $190,000. The 2024-25 Stage 3 tax cuts reduced the 19% bracket to 16% and the 32.5% bracket to 30%.
Is superannuation deducted from my pay?
No. Employer super guarantee (11.5% for 2025-26) is paid on top of your salary unless your contract states it's inclusive. It goes to your super fund, not your bank account.
When do I pay the Medicare Levy Surcharge?
If you earn over $93,000 (singles) or $186,000 (families) and don't hold an eligible private hospital cover policy, you pay MLS of 1% to 1.5% on top of the standard 2% Medicare Levy.
How are HELP repayments calculated?
HELP repayments are based on your repayment income (taxable income + net rental losses + fringe benefits). For 2025-26, repayments start at 1% when income exceeds $54,435 and scale up to 10% at incomes over $151,201.
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