Australian pay calculator and budget planner tools built with accurate ATO tax brackets, Medicare levy, HECS/HELP, and superannuation.
No bloated apps. No subscriptions. Spreadsheets you own forever, plus a couple of quiet PDF guides when a printable checklist helps more than another sheet.
Enter your salary, see exactly what lands in your account. Covers tax, Medicare, HECS/HELP, and super for every pay period.
10 beautifully designed tabs covering your complete financial picture. Built with Australian-specific categories, from Woolies to strata fees.
Click the button, make a copy in Google Sheets. It's yours to keep forever — no subscription needed.
Type your annual salary once. Tax, super, Medicare, and HECS are all calculated automatically.
Fill in your expenses each month. Watch your dashboard update in real time. Start hitting your goals.
Every deduction you can claim, sorted by occupation — with ATO-ready record-keeping checklists. Sits beside the calculators when you want a printable reference.
TFNs, super choices, payslip jargon and the five things to set up before your first shift — plain English for starting work in Australia.
Both tools use these exact brackets, updated for the current financial year.
| Taxable Income | Tax Rate | Tax on This Bracket |
|---|---|---|
| $0 – $18,200 | 0% | Nil |
| $18,201 – $45,000 | 16% | 16c for each $1 over $18,200 |
| $45,001 – $135,000 | 30% | $4,288 plus 30c for each $1 over $45,000 |
| $135,001 – $190,000 | 37% | $31,288 plus 37c for each $1 over $135,000 |
| $190,001+ | 45% | $51,638 plus 45c for each $1 over $190,000 |
Source: Australian Taxation Office (ATO). Medicare Levy: 2%. Super Guarantee: 12%.
No. These are Google Sheets spreadsheets. You just need a free Google account. They work on any device — desktop, tablet, or phone.
Yes. We use the official 2025-26 ATO tax brackets, including the Stage 3 tax cuts, updated LITO thresholds, and the new HECS/HELP marginal repayment system.
Absolutely. Once you make a copy, it's yours. Add categories, change budget targets, or tweak anything you like. Only the formula cells are protected (to prevent accidental breakage).
10 fully designed tabs: Dashboard, Setup (with built-in tax calc), Monthly Budget, Annual Overview, Debt Tracker, Savings Goals, Net Worth, Bills Calendar, Pay Tracker, and Instructions.
We release updated versions each July when new ATO rates are announced. Existing customers get free updates.
Yes. If you're not happy with the Budget Planner, email us within 14 days for a full refund. No questions asked.
Get the free pay calculator now, or invest $19 in the full budget planner and take control of every dollar.