OzMoneyTools

Australian take‑home pay calculator

Estimate your net pay from a salary or hourly rate. Adjust super, deductions, Medicare, MLS and HECS/HELP.

Not affiliated with the ATO or the Australian Government. This tool provides estimates only.

Gross per monthly
$6,000.00

INCOME

Enter your salary, adjust the settings, and see the results update automatically.

OPTIONS
EXTRA SETTINGS
Use these features to customise the calculations. Highlighted sections indicate changes.
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Tax year
Edit
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Superannuation
Edit
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Family
Edit
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Tax category
Edit
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Medicare & private health
Edit
Medicare levy low-income thresholds for 2025-26 aren’t loaded yet (needs ATO-published thresholds). Reduction is disabled for this year.
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Deductions
Edit
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Income components (advanced)
Edit

SUMMARY

Monthly pay
$4,847.67
Gross salary
$6,000.00
Income tax
-$1,032.33
Medicare levy
-$120.00
MLS
-$0.00
HECS/HELP
-$0.00
Net pay
$4,847.67
Superannuation
$720
Employer super
$720
Tax & deductions
$1,152
Income tax
$1,032
Medicare levy
$120
MLS
$0
HECS/HELP
$0
How we calculate
Taxable income ≈ cash salary − deductions.
Income tax uses ATO brackets for the selected year (resident or foreign resident).
Medicare levy is 2% (with low-income reduction where supported for that year).
MLS / HECS incomes use the advanced “income components” (if enabled), following ATO definitions.
Net pay = cash salary − (tax + Medicare + MLS + HECS).
Assumptions & exclusions
Estimates only. We don’t model every offset/rebate/exemption, and family allocations are simplified.
If you need exact withholding per pay run, use the ATO tax withheld calculator.
More information
A few quick notes on accuracy, withholding, and how to interpret the numbers.
How close are these estimates?

OzMoneyTools uses ATO-published rates and thresholds for the selected tax year. It’s still an estimate: rounding, simplified rules, and missing offsets/exemptions can shift the final amount.

If you need exact withholding for a particular pay run, check the ATO’s tax withheld tables or your payroll output.

Tax rates & sources
Why can annual results differ from weekly/monthly withholding?

Many payroll systems calculate PAYG withholding using per‑pay schedules (weekly, fortnightly, monthly). That can come out slightly different to an “annual average” estimate, mostly because of rounding and the way the pay‑period formulas work.

Your tax return is where everything is reconciled — that’s when offsets and your full circumstances are applied.

How we calculate
Extra pay periods (53 weeks / 27 fortnights)

Some financial years contain an extra payday for weekly/fortnightly cycles (it depends on your first pay date). If you’re paid weekly or fortnightly, that can mean one additional payment in that year.

OzMoneyTools uses the standard 52‑week / 26‑fortnight approximation. If your employer spreads an annual salary across the exact number of pays, enter the annual salary and use the summary frequency just for display.

Install it like an app

You can pin or install this site from your browser (no App Store needed):

  • Desktop (Chrome/Edge): use the browser’s “Install” option (address bar or menu).
  • iPhone/iPad (Safari): Share → “Add to Home Screen”.
  • Android (Chrome): Menu → “Add to Home screen” / “Install app”.
Tax infoMedicare levyMLSHECS/HELPSuperTax distribution
Income tax
Browse the brackets for a tax year and residency, and preview the marginal rate.
Taxable income
Tax on this income
Rate
$0 – $18,200
Nil
0%
$18,201 – $45,000
16¢ per $1 over $18,200
16%
$45,001 – $135,000
$4,288 + 30¢ per $1 over $45,000
30%
$135,001 – $190,000
$31,288 + 37¢ per $1 over $135,000
37%
Over $190,000
$51,638 + 45¢ per $1 over $190,000
45%
0%16%30%37%45%
Annual salary
$72,000
Income tax
$12,388
Upper marginal rate
30%(every $1 over $45,000)
Each extra $1 above $45,000 is taxed at 30%.
Brackets are based on ATO-published rates for the selected year.
CHARTS
Breakdown
Net pay
$4,847.67
Superannuation
$720.00
Tax & deductions
19.2% of taxable income
$1,152.33
Per monthly.
Tax band
$18,200
$45,000
$135,000
$190,000
Taxable income: $72,000
Superannuation band
$8,640
Concessional cap (30,000)
Income range
Taxable income: $72,000
48th percentile
You’re in the 48% income band
Indicative only (ABS employee weekly earnings distribution, Aug 2025).
HOW IT WORKS
  • We estimate annual taxable income and apply the selected tax year’s brackets.
  • You can switch between cash salary and total package (salary includes super).
  • Medicare levy/MLS and HECS/HELP can use income-test adjustments (optional).
  • We show results averaged across your chosen pay frequency.
FAQ
Is this calculator official (ATO)?
No. OzMoneyTools is an estimate tool. For official guidance, use ATO resources and your payslip/payroll withholding.
What does take-home pay mean?
Take-home pay (net pay) is your gross salary minus income tax and other deductions like the Medicare levy, MLS (if applicable), and HECS/HELP repayments (if applicable).
Does superannuation reduce my take-home pay?
Usually no—employer super is paid on top of your cash salary. If you select ‘salary includes super’, we treat your entered amount as a total package and the cash salary becomes lower.
Why can two calculators show slightly different results?
Some calculators estimate PAYG withholding per pay run (with rounding), while others estimate annual tax liability and average it across pay periods. Small differences can also come from assumptions about Medicare, MLS, and other thresholds.
What income is used for Medicare Levy Surcharge (MLS)?
MLS uses an income test that can include taxable income plus certain adjustments (e.g. reportable fringe benefits, net investment losses, and reportable super contributions).
What income is used for HECS/HELP repayments?
HECS/HELP repayments are based on your repayment income, which is similar to taxable income plus certain adjustments.
Can I use this for foreign residents?
Yes—choose ‘Foreign resident’ under Tax category. Foreign residents generally don’t pay the Medicare levy, and resident tax brackets differ.
Does this include deductions?
Yes—you can enter annual deductions. We subtract them from your cash salary to estimate taxable income.
GUIDE

How Australian take-home pay is estimated

Take-home pay is the amount left from your gross salary after income tax and other compulsory deductions. In Australia, the main items are income tax, Medicare levy, Medicare Levy Surcharge (if applicable), and HECS/HELP repayments if you have a study loan.

OzMoneyTools starts with your cash salary, subtracts annual deductions to estimate taxable income, applies the selected tax year’s resident or foreign-resident tax brackets, then averages the result across your chosen pay frequency.

If your salary package includes super, the calculator first estimates the cash salary portion of the package. That matters because “$100,000 including super” is not the same as “$100,000 plus super”.

Salary conversions

Convert annual salary to monthly, fortnightly, weekly, daily and hourly amounts.

Income tax

See the resident tax brackets and how taxable income is calculated.

HECS/HELP

Understand repayment income and how study debt changes net pay.

$72,000 salary example

A $72,000 annual salary is $6,000 per month before tax. For an Australian resident in 2025-26, income tax is estimated across the tax-free threshold, the 16% bracket, and the 30% bracket.

The calculator then adds Medicare levy where selected, applies HECS/HELP if enabled, and shows the net result by month, fortnight, week or year. Your exact payroll withholding can differ because employers use pay-period withholding schedules and rounding.

How to use this Australian take-home pay calculator

Start with your gross salary, choose a tax year, and then tune settings such as Medicare levy, Medicare Levy Surcharge, HECS/HELP and super. The calculator estimates annual, monthly, fortnightly and weekly net pay so you can compare job offers or salary packaging options.

For best results, use the same assumptions as your actual situation: whether salary includes super, whether you have private hospital cover, and whether you have a spouse or dependent children for family threshold rules. If your employer uses different payroll rounding, your payslip can differ slightly from an annual estimate.

What this tool covers

  • Australian resident and foreign resident income tax settings
  • Medicare levy with low-income reduction where thresholds are configured
  • Medicare Levy Surcharge based on income tiers and hospital cover settings
  • HECS/HELP repayment estimates using repayment income assumptions
  • Pay-cycle conversion: annual, monthly, fortnightly and weekly views

Important assumptions

OzMoneyTools is designed for planning and comparison. It is not a substitute for payroll software, accountant advice or ATO personal assessments. Offsets, special exemptions and uncommon tax circumstances may not be fully modelled in every scenario.

For official rates and thresholds, verify against ATO publications. You can also explore detailed explainers for tax rates, Medicare levy, MLS and HECS/HELP.