How do I calculate my take-home pay in Australia?

To calculate your take-home pay, start with your gross salary and subtract income tax (based on ATO tax brackets for 2026-27), the 2% Medicare levy, any HECS-HELP compulsory repayments, and the Medicare levy surcharge if applicable. The remainder is your net (after-tax) pay. Superannuation is paid by your employer on top of your salary and does not reduce your take-home pay.

What are the Australian tax brackets for 2026-27?

For 2026-27, Australian resident tax brackets are: $0-$18,200 at 0% (tax-free threshold), $18,201-$45,000 at 15%, $45,001-$135,000 at 30%, $135,001-$190,000 at 37%, and income above $190,000 at 45%. A 2% Medicare levy also applies to your total taxable income.

What is the Medicare levy surcharge?

The Medicare levy surcharge (MLS) is an additional tax of 1% to 1.5% paid by Australian taxpayers who earn above $105,000 (singles) or $210,000 (families) and do not have an appropriate level of private hospital insurance. The base rate is 1% for singles earning $105,001-$123,000, 1.25% for $123,001-$164,000, and 1.5% for incomes above $164,000.

How much super does my employer pay?

For 2026-27, employers must contribute 12% of your ordinary time earnings to your superannuation fund. This is called the Superannuation Guarantee (SG). Super is paid on top of your salary — it does not come out of your take-home pay. From 1 July 2026, under Payday Super, the maximum super contribution base is $270,830 per year (it was previously a quarterly cap).

Does HECS-HELP come out of my pay?

Yes. If you have a HECS-HELP debt and your repayment income is above the minimum threshold ($69,528 for 2026-27), your employer is required to withhold compulsory repayments from your pay. From 1 July 2025 repayments use a marginal system — 15% of income above $69,528, rising to 17% above $129,717, and 10% of total repayment income above $186,050. You must notify your employer using a Tax File Number declaration if you have a HELP debt.

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Last verified: 2 August 2026

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Pay Calculator Australia 2026-27

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