How is take-home pay calculated in Australia?

Take-home pay is your gross salary minus income tax, plus any low income tax offset, minus the 2% Medicare levy. Superannuation is paid by your employer on top and is not part of take-home pay. This calculator uses Australian resident rates for the 2026-27 financial year.

What income tax rates apply for FY2026-27?

For Australian residents in 2026-27: nil up to $18,200; 15% from $18,201 to $45,000; 30% from $45,001 to $135,000; 37% from $135,001 to $190,000; and 45% above $190,000. The 15% rate is legislated by the Treasury Laws Amendment (More Cost of Living Relief) Act 2025.

Does the calculator include superannuation?

The Superannuation Guarantee is 12% for 2026-27. By default your salary is treated as excluding super, so super is shown on top. Tick "includes super" if you entered a total package — the tool then works out the base salary and taxes that.

What is the low income tax offset (LITO)?

LITO is a tax offset of up to $700 for lower incomes. It reduces income tax only (never below zero) and does not reduce the Medicare levy. It tapers out entirely above $66,667.

Take-Home Pay Calculator — Australia (2025-26 & 2026-27)

See your real take-home pay for the FY2026-27 or 2025-26 financial year — or compare the two side by side. Enter your gross salary — annual, monthly, fortnightly, weekly, daily or hourly — to get income tax, the low income tax offset, the Medicare levy, super, and your net pay for that period.

Financial year

Compare both years (FY2025-26 vs FY2026-27)

Pay period

Gross annual salary

Hours per day (for the hourly rate)

This amount includes super (total package). Leave unticked if super is paid on top of your salary.

Take-home pay per year

FY2026-27

$0.00

$0.00 per year · 0.0% effective tax

Breakdown per year

Base salary$0.00

Income tax− $0.00

Low income tax offset+ $0.00

Medicare levy− $0.00

Take-home pay$0.00

Gross & net by period

PeriodGrossNetPer year$0.00$0.00Per month$0.00$0.00Per fortnight$0.00$0.00Per week$0.00$0.00Per day$0.00$0.00Per hour$0.00$0.00

Plus superannuation (12% SG): $0.00 per year — paid into your fund, not part of take-home pay.

Gross vs net: gross is your pay before tax (the rate you negotiate); net is your take-home after income tax, the low income tax offset and the 2% Medicare levy. The table above shows both for each period — net is always the lower number.

Source & currency. Australian resident rates. FY2025-26: the $18,201–$45,000 band is taxed at 16% (ATO “Resident tax rates 2025–26”). FY2026-27: that band drops to 15%, legislated by the Treasury Laws Amendment (More Cost of Living Relief) Act 2025. All other settings (30/37/45% bands, LITO, 2% Medicare levy, 12% super) are the same in both years. Rates verified against the ATO and the Federal Register of Legislation (FY2026-27 on 2026-06-29; FY2025-26 on 30 June 2026).

Assumptions. Australian tax resident · salary excludes super (unless you tick the box) · full year · daily figures assume 260 working days a year (5 days × 52 weeks) and hourly figures use your hours-per-day (default 7.6, i.e. a 38-hour week) × 260 working days · includes income tax + LITO + 2% Medicare levy · excludes HECS/HELP, surcharges, and the low-income Medicare reduction · per-period figures are rounded and may not sum exactly to the annual total.

Disclaimer. This calculator provides a general estimate only and is not financial, taxation, or legal advice. Figures use standard tax rates for an Australian resident individual for the financial year you select, and don't account for your personal circumstances (e.g. other income, deductions, offsets, HECS/HELP, or the Medicare levy surcharge). Tax rates and thresholds can change — FY2026-27 reflects legislated rates that take effect on 1 July 2026. Your figures are calculated in your browser and aren't sent anywhere. For advice specific to your situation, consult a registered tax agent or licensed financial adviser.

Frequently asked questions

How is take-home pay calculated in Australia?: Take-home pay is your gross salary minus income tax, plus any low income tax offset, minus the 2% Medicare levy. Superannuation is paid by your employer on top and is not part of take-home pay. This calculator uses Australian resident rates for the 2026-27 financial year.
What income tax rates apply for FY2026-27?: For Australian residents in 2026-27: nil up to $18,200; 15% from $18,201 to $45,000; 30% from $45,001 to $135,000; 37% from $135,001 to $190,000; and 45% above $190,000. The 15% rate is legislated by the Treasury Laws Amendment (More Cost of Living Relief) Act 2025.
Does the calculator include superannuation?: The Superannuation Guarantee is 12% for 2026-27. By default your salary is treated as excluding super, so super is shown on top. Tick "includes super" if you entered a total package — the tool then works out the base salary and taxes that.
What is the low income tax offset (LITO)?: LITO is a tax offset of up to $700 for lower incomes. It reduces income tax only (never below zero) and does not reduce the Medicare levy. It tapers out entirely above $66,667.