Australian Pay Calculator 2026-27
Work out your take-home pay after PAYG tax, the Medicare levy, HECS-HELP and superannuation. No sign-up, instant results, updated for the 2026-27 financial year.
Private hospital cover removes the Medicare Levy Surcharge for higher earners.
| Breakdown | Year | Month | Fortnight | Week |
|---|---|---|---|---|
| Gross income | $90,000 | $7,500 | $3,462 | $1,731 |
| PAYG income tax | −$17,520 | −$1,460 | −$674 | −$337 |
| Medicare levy | −$1,800 | −$150 | −$69 | −$35 |
| Take-home pay | $70,680 | $5,890 | $2,718 | $1,359 |
Estimate only, for Australian tax residents. Not tax advice.
Last updated 22 June 2026. Figures are estimates for Australian tax residents based on ATO rates and do not constitute financial or tax advice.
How your take-home pay is worked out
In Australia your employer withholds PAYG (Pay As You Go) income tax from each pay and sends it to the ATO. On top of PAYG, most workers pay the 2% Medicare levy, and higher earners without private hospital cover also pay the Medicare Levy Surcharge. If you have a HECS-HELP study debt, a compulsory repayment is withheld too. What is left is your take-home pay. Superannuation is separate — your employer pays 12% of your ordinary earnings into your super fund on top of your wage.
2026-27 resident income tax rates
| Taxable income | Tax on this income |
|---|---|
| $0 – $18,200 | Nil |
| $18,201 – $45,000 | 15c per $1 over $18,200 |
| $45,001 – $135,000 | $4,020 + 30c per $1 over $45,000 |
| $135,001 – $190,000 | $31,020 + 37c per $1 over $135,000 |
| $190,001+ | $51,370 + 45c per $1 over $190,000 |
The 16% rate that applied in 2025-26 drops to 15% from 1 July 2026. The 2% Medicare levy and 12% super guarantee apply on top. Source: ATO.
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Create a Payslip — FreePay calculator FAQs
How is take-home pay calculated in Australia?
Take-home (net) pay is your gross income minus PAYG income tax, the 2% Medicare levy, the Medicare Levy Surcharge if it applies, and any HECS-HELP repayment. Superannuation is paid by your employer on top of your gross pay, so it does not reduce your take-home pay. This calculator applies the ATO resident PAYG brackets for the financial year you choose.
What is changing for the 2026-27 financial year?
From 1 July 2026 the second marginal tax bracket falls from 16% to 15% on income between $18,201 and $45,000, so most workers keep slightly more of their pay. The superannuation guarantee stays at 12% (it reached 12% on 1 July 2025), and employers move to Payday Super — paying super with every pay run instead of quarterly.
Is superannuation included in my take-home pay?
No. Superannuation is an employer contribution paid on top of your gross wage at 12% of ordinary time earnings. It goes to your super fund, not your bank account, so it is shown separately and is not deducted from your take-home pay.
Does the calculator include HECS-HELP repayments?
Yes. Tick the HECS-HELP box and the calculator adds the compulsory study-loan repayment that is withheld through your PAYG tax, based on your income for the selected year.
Is the pay calculator free to use?
Yes. The PayslipMate pay calculator is completely free with no sign-up and no payment. If you want a Fair Work compliant PDF payslip showing these figures, your first payslip on PayslipMate is free.