| Item | Per monthly | Annual |
|---|---|---|
| Base Salary | A$7,083.33 | A$85,000 |
| = Taxable Income | — | A$85,000 |
| − Income Tax | − A$1,357.33 | − A$16,288 |
| Tax-free threshold | — | A$18,200 |
| LITO offset | — | − A$0 |
| − Medicare Levy (2%) | − A$141.67 | − A$1,700 |
| = Take-Home Pay | A$5,584.33 | A$67,012 |
| + Employer Super (not take-home) | A$814.58 | A$9,775 |
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Australia Take-Home Pay Calculator
About this tool
Free Australian Take-Home Pay Calculator — Income Tax, Medicare & Super
This free Australia Take-Home Pay Calculator estimates how much of your gross salary or hourly rate you keep after Australian income tax, the Medicare levy, and other compulsory deductions. Enter your salary or hourly rate, adjust the superannuation rate and any salary sacrifice, tick whether you have a HECS/HELP debt or private hospital cover, and see your weekly, fortnightly, or monthly take-home pay instantly. All calculations run fully in your browser — no data is uploaded.
Australian take-home pay involves more moving parts than most countries. The Stage 3 tax cuts restructured the income tax brackets, replacing the previous 19%/32.5% rates with a 16% rate on $18,201–$45,000 and a 30% rate extending to $135,000. The 37% bracket applies to $135,001–$190,000, and the 45% top rate applies above $190,000. The calculator uses the current ATO rates and updates when the government revises them.
The Low Income Tax Offset (LITO) reduces income tax by up to $700 for earners below $66,667. The full $700 applies to incomes up to $37,500, then phases out — reducing by 5 cents per dollar to $45,000, and by 1.5 cents per dollar to $66,667. Combined with the tax-free threshold ($18,200), LITO means eligible residents effectively pay no income tax until earnings exceed approximately $21,887.
The Medicare Levy is 2% of taxable income and funds Australia's public health system. Most earners pay the full 2%. There is a shade-in provision for low earners: below $26,000 the levy is nil, and between $26,000 and $32,500 a reduced amount applies at 10 cents per dollar above the threshold. The Medicare Levy Surcharge (MLS) is an additional 1%–1.5% charged to higher earners — above $93,000 — who do not hold eligible private hospital cover. The surcharge tiers are 1% for $93,001–$108,000, 1.25% for $108,001–$144,000, and 1.5% above $144,000. For earners in these brackets, private hospital cover often costs less than the surcharge.
HECS/HELP repayments are compulsory once your repayment income exceeds the current minimum threshold. Repayments are calculated as a percentage of your entire repayment income — not just the amount above the threshold. Rates start at 1% and rise progressively to 10% at higher income levels. These amounts are withheld through payroll if your employer is notified, or collected via your annual tax return. The calculator shows the estimated annual repayment amount alongside your other deductions.
Superannuation adds another layer. The compulsory Superannuation Guarantee rate is set by the government and rises gradually toward 12%. Job offers are quoted in two ways: "base salary + super" means your employer pays your salary and the super rate on top into your super fund; "total package" means the super contribution is included in the quoted amount. The calculator handles both. You can also enter voluntary salary sacrifice — pre-tax super contributions that reduce your taxable income, saving income tax at your marginal rate while building retirement savings.
This calculator is useful for evaluating job offers (especially when comparing package vs base salary quotes), negotiating a raise, understanding the MLS threshold, checking HECS repayment obligations, and modelling salary sacrifice strategies. For US salary calculations use the Paycheck Calculator, for UK calculations use the UK Take-Home Pay Calculator, and for Canadian calculations use the Canada Take-Home Pay Calculator. After estimating take-home pay, use the Budget Planner to build a spending plan from your net income.
Features
- Current income tax brackets including Stage 3 tax cuts
- Low Income Tax Offset (LITO) — up to $700, phased out above $37,500
- Medicare Levy — 2% with shade-in for low earners
- Medicare Levy Surcharge — 1%–1.5% for earners above $93,000 without private hospital cover
- HECS/HELP repayment — 19-band rate table from 1% to 10%
- Superannuation — current employer contribution rate
- Base salary + super vs total salary package toggle
- Salary sacrifice (pre-tax super) input — reduces taxable income
- Hourly rate mode with hours-per-week input
- Weekly, fortnightly, and monthly take-home pay
- Effective and marginal rate display
- Visual breakdown bar (net, income tax, Medicare, HECS, sacrifice)
- Full itemised deduction table
- Copy summary to clipboard
- Runs entirely in your browser — no data uploaded
How to Use the Calculator
- 1Enter your salary or hourly rateSwitch between Annual Salary and Hourly Rate at the top. For hourly, enter your rate and hours per week — the annual equivalent is shown automatically.
- 2Choose your salary typeSelect "Base + Super" if your contract quotes salary excluding super (most common), or "Package (incl. super)" if your offer is a total remuneration package that includes the super contribution.
- 3Set the super rateDefault is the current compulsory super rate. Drag the slider if your employer contributes more, or if you want to model a different rate.
- 4Add salary sacrifice if applicableEnter any extra pre-tax super contributions you make. This reduces taxable income, so it lowers your income tax and Medicare levy.
- 5Tick HECS/HELP and private healthCheck the HECS/HELP box if you have a student debt. Check private hospital cover if you hold an eligible policy — this removes the Medicare Levy Surcharge for high earners.
- 6Read your resultsThe hero shows your take-home per pay period. The detailed table breaks down every deduction annually and per pay period. Copy the full summary to your clipboard with one click.
Common Use Cases
The Stage 3 Tax Cuts — How the Brackets Changed
The original Stage 3 tax cuts (legislated in 2019) were redesigned by the Albanese government and took effect from 1 July 2024. The key changes:
The 19% rate that applied to $18,201–$45,000 dropped to 16%. The rate for $45,001–$120,000 was 32.5% — this was restructured to 30% and extended to $135,000. The 37% bracket (previously $120,001–$180,000) now applies to $135,001–$190,000. The 45% top rate remains above $190,000.
For a $85,000 earner, this means roughly $1,500–$2,000 less tax per year compared to 2023-24 rates. For a $130,000 earner, the saving is around $3,700/yr.
Superannuation: Package vs Base + Super
Australians receive superannuation in two common ways:
Base salary + super: Your salary is $X, and your employer pays an additional 11.5% on top into your super fund. Your take-home is calculated on your full salary; super sits separately.
Salary package (total remuneration): Your total cost to the employer is $X, which includes your base salary and the super contribution. Divide by 1.115 to get your base: a $100,000 package = $89,686 base + $10,314 super.
Salary sacrifice: You can direct extra pre-tax salary into super, which reduces your taxable income. This is a common strategy for high earners — every $1,000 sacrificed into super saves income tax at your marginal rate while still going towards your retirement savings. The annual concessional contributions cap is $30,000 (including employer contributions).
Frequently Asked Questions
On a $85,000 salary in 2024-25, you pay approximately $17,332 in income tax (after the Low Income Tax Offset). This breaks down as: 0% on the first $18,200 (tax-free threshold), 16% on $18,201–$45,000, and 30% on $45,001–$85,000. Add 2% Medicare levy ($1,700) for total deductions of about $19,032, leaving roughly $65,968 take-home annually.
The 2024-25 Australian income tax brackets (after Stage 3 tax cuts effective 1 July 2024) are: $0–$18,200 at 0% (tax-free threshold); $18,201–$45,000 at 16%; $45,001–$135,000 at 30%; $135,001–$190,000 at 37%; $190,001+ at 45%. These rates apply before offsets like the Low Income Tax Offset (LITO).
The LITO is a tax offset that reduces your income tax bill. In 2024-25: if your income is $37,500 or less you get the full $700 offset; between $37,501 and $45,000 the offset reduces by 5 cents per dollar; between $45,001 and $66,667 it reduces by 1.5 cents per dollar; above $66,667 the offset is nil. This means low-to-middle income earners effectively pay zero tax up to around $21,887.
The Medicare Levy is 2% of your taxable income and funds Australia's public health system. You pay the full 2% if your income exceeds about $32,500. If you earn below $26,000 you are exempt; between those thresholds a reduced amount applies (shade-in at 10 cents per dollar above the threshold). Some people (certain low-income earners, foreign residents) may be exempt.
The MLS is an additional tax of 1%–1.5% on top of the standard Medicare Levy, charged to higher-income earners without private hospital cover. Thresholds for 2024-25: $93,001–$108,000 = 1%, $108,001–$144,000 = 1.25%, $144,001+ = 1.5%. You avoid the MLS by holding an eligible private hospital cover policy — for many earners the policy costs less than the surcharge.
HECS/HELP repayments are compulsory once your repayment income exceeds $54,435 (2024-25 threshold). Repayments are calculated as a percentage of your entire income (not just the amount above the threshold), starting at 1% and rising to 10% for income above $157,024. The repayment is automatically deducted through your tax return or via payroll withholding if your employer is aware of your debt.
The superannuation guarantee (SG) rate is 11.5% in 2024-25 (up from 11% in 2023-24). This is employer-paid on top of your ordinary time earnings and goes into your super fund. It increases to 12% from 1 July 2025. Super is not deducted from your take-home pay — it is an additional payment by your employer, unless your salary is quoted as a total package (CTC/TRP).
Base salary (plus super) means your employer pays your salary AND an additional 11.5% on top into your super fund. A salary package (also called total remuneration package or CTC) includes super within the quoted number — so your base salary is lower. For example, a $100,000 package at 11.5% super means your base salary is $89,686 and your super is $10,314. Always clarify which is meant when receiving a job offer.