Pay Calculator (Australia)

Take-home pay is calculated by subtracting all taxes and deductions from your gross income. This includes income tax (based on ATO tax brackets), Medicare levy (2% for most residents), Medicare levy surcharge (if applicable), HELP/HECS repayments, and then adding back any tax offsets like the Low Income Tax Offset (LITO). The calculator uses official ATO tax tables for the selected financial year.

Yes! The calculator automatically calculates superannuation contributions based on the super rate you specify (default is 11.5%, the current Super Guarantee rate). You can also toggle whether your entered salary includes superannuation or if super should be calculated on top of the base salary. Superannuation is paid by your employer and doesn't reduce your take-home pay.

All tax calculations are based on official Australian Taxation Office (ATO) tax tables and rates. This includes resident tax rates, non-resident rates, working holiday maker rates, Medicare levy thresholds, Medicare levy surcharge thresholds, and HELP/HECS repayment thresholds. The calculator is updated to reflect current legislation for each financial year.

The Medicare Levy Surcharge (MLS) is an additional tax for higher-income earners who don't have private hospital cover. For singles, it applies when your income exceeds $93,000 (2024-25). The surcharge ranges from 1% to 1.5% depending on your income. You can avoid the MLS by taking out appropriate private hospital insurance.

Tax offsets (also called tax credits) directly reduce the amount of tax you pay. The Low Income Tax Offset (LITO) is the most common, providing up to $700 for incomes below $37,500, gradually reducing to zero at $66,667. Tax offsets are automatically applied when you lodge your tax return, but you can choose to have them withheld during the year by selecting the "Withhold Tax Offsets" option.

This calculator provides estimates based on current ATO tax tables and is designed to be as accurate as possible for standard employment situations. However, individual circumstances vary (such as multiple jobs, tax deductions, family tax benefits, etc.) and may affect your actual tax liability. This calculator does not constitute financial advice. For specific tax situations, consult with a registered tax agent or accountant.

This calculator is designed for single employment income. If you have multiple jobs, you should claim the tax-free threshold with only one employer (usually your main job). For additional jobs, select "No Tax-Free Threshold" option. To calculate your total tax liability with multiple incomes, add all your incomes together and calculate as one amount, then compare against individual calculations.