How do I compare two job offers in Australia?

To compare two job offers fairly, convert both to the same basis: annual gross salary excluding super. Then calculate income tax, Medicare levy, and any HECS repayments for each. The job with the higher after-tax take-home pay gives you more money in your pocket. Also compare the effective hourly rate if the roles have different hours.

Should I compare salaries before or after tax?

Always compare after tax. Two salaries that look $10,000 apart before tax may only be $6,000-$7,000 apart after tax due to progressive tax brackets. A higher salary pushes more income into higher brackets, so the after-tax difference is always smaller than the gross difference.

Does super matter when comparing job offers?

Yes. Some employers quote salary packages that include super (total package), while others quote base salary plus super on top. An $85,000 base + super is worth more than a $90,000 package including super. Always check whether the quoted salary includes or excludes the 12% super guarantee.

What is the effective hourly rate and why does it matter?

Your effective hourly rate is your annual after-tax income divided by the total hours you work in a year (weekly hours x 52). It matters because a higher salary with longer hours may actually pay you less per hour than a lower salary with standard hours. For example, $90,000 at 45 hours/week can be worse per hour than $80,000 at 38 hours/week.

How does HECS-HELP affect job comparisons?

HECS-HELP repayments are based on your total repayment income and increase in percentage tiers. A higher salary may push you into a higher HECS repayment tier, meaning a larger chunk is withheld. For example, earning $100,000 triggers a 5.5% repayment ($5,500/year), while $94,000 triggers 5% ($4,700/year). The compulsory repayment reduces your take-home pay but also pays down your debt faster.

Job Comparison Calculator Australia 2025-26

Compare two job offers side-by-side after tax, super, Medicare levy and HECS-HELP. See which offer gives you more take-home pay and a higher effective hourly rate. Supports annual, monthly, fortnightly, weekly and hourly salaries.

Last verified: 1 July 2025

Tax on $60,000 Salary in Australia: Exactly How Much You'll Pay (2025-26)

Earn $60,000 in Australia? See exactly how much income tax, Medicare levy, and HECS you'll pay in 2025-26. Full bracket breakdown shows you'll take home approximately $50,012 after $8,788 income tax and $1,200 Medicare levy.

Tax on $100,000 Salary in Australia: Full Breakdown + Take-Home Pay (2025-26)

Earning $100,000 in Australia? Your 2025-26 income tax is $20,788 plus $2,000 Medicare levy, leaving you approximately $77,212 in take-home pay. See the full bracket-by-bracket breakdown, HECS impact, and strategies to keep more.

Tax on $120,000 Salary: How Much You Actually Keep (2025-26)

On a $120,000 salary in Australia, your 2025-26 income tax is $26,788 plus $2,400 Medicare levy. Take-home pay is approximately $90,812 per year. See the full bracket breakdown, HECS impact, MLS considerations, and smart strategies to keep more.

Get notified when rates change

Free alerts when minimum wage, award rates, or workplace laws are updated.

Free forever. No spam. Unsubscribe anytime.

Stuck on your numbers?

Email us with your situation and we'll point you to the right answer. Real human.

hello@fairworkmate.com.au

General information and estimates only — not legal, financial, or tax advice. Always verify with the Fair Work Ombudsman (13 13 94) or a qualified professional.

From the Mate Network

Tax Breakdown by Salary →

See the full tax breakdown for each salary you're comparing.

Budget the Difference →

Plan how to spend the extra money if you take the higher-paying job.

Job Comparison Calculator Australia 2025-26

Job 1

Job 2

Related Articles

Related Tools

From the Mate Network