What's your real take-home pay?
Free Australian pay calculators built for clarity. Income tax, super, HECS, salary sacrifice — all in one place. Based on official ATO tax tables.
Calculate My PayAustralian Pay Calculators
Everything you need to understand your pay, tax, and super — in one place.
Income Tax Calculator
Calculate your take-home pay after tax, Medicare levy, and LITO. See breakdowns by pay period.
Super Calculator
Check if your employer is paying the right super. Calculate SG contributions based on your salary.
HECS-HELP Calculator
Estimate your HECS-HELP repayment based on your income. See how your debt is repaid over time.
Pay Period Converter
Convert your pay between weekly, fortnightly, monthly, and annual amounts instantly.
Salary Sacrifice Calculator
See how much you could save by salary sacrificing into super. Compare take-home pay side by side.
How Australian Income Tax Works
Australia uses a progressive tax system, which means you pay different rates of tax on different portions of your income. The Australian Taxation Office (ATO) sets these rates each financial year (1 July to 30 June).
For the 2024–25 financial year, the Stage 3 tax cuts have been applied. The tax-free threshold remains at $18,200, meaning you pay no tax on the first $18,200 you earn. After that, rates start at 16% and go up to 45% for income over $190,000.
What is the Medicare Levy?
Most Australian taxpayers pay a 2% Medicare Levy on top of their income tax. This funds Australia's public healthcare system. If you earn below the low-income threshold ($26,000 for singles in 2024–25), you may pay a reduced levy or none at all.
HECS-HELP Repayments
If you have a Higher Education Loan Program (HELP) debt, you repay it through the tax system once your income exceeds the minimum repayment threshold ($54,435 in 2024–25). Repayment rates range from 1% to 10% of your total income, increasing as your income rises.
Superannuation Guarantee
Your employer must contribute 11.5% (2024–25) of your ordinary time earnings to your super fund. This rate increases to 12% from 1 July 2025. Our super calculator helps you check whether your employer is meeting their obligations.