Quickly estimate your take-home pay from a gross salary, with full Australian tax, Medicare, and HECS calculations.
What this calculator does
Enter a gross (before tax) salary and the calculator shows what you actually take home after:
- Income tax (using current Australian tax brackets)
- Medicare levy (2%)
- HECS / HELP repayments (if applicable)
- Employer super contributions (shown separately — this goes to your super fund, not your bank account)
Using the calculator
- Go to Calculators in the sidebar and select Take-Home Pay.
- Enter your annual gross salary (before tax).
- Indicate whether you have a HECS / HELP debt.
- The calculator instantly shows your breakdown.
What you'll see
| Line item | What it means |
|---|---|
| Gross income | Total salary before any deductions |
| Income tax | Tax calculated using progressive brackets |
| Medicare levy | 2% of taxable income |
| HECS repayment | Annual repayment based on income (if applicable) |
| Take-home pay | What actually lands in your bank account |
| Employer super | What your employer contributes (11.5%) |
| Total tax percentage | Overall tax as a percentage of gross income |
The calculator also shows your take-home pay as weekly, fortnightly, and monthly figures.
How this differs from your actual payslip
This calculator provides an estimate based on standard tax rates. Your actual payslip may differ due to:
- Salary sacrifice arrangements
- Tax deductions or offsets not modelled here
- Private health insurance rebate
- Multiple income sources (which may push you into higher brackets)
Note: This calculator provides estimates for educational purposes. It's not a substitute for professional tax advice. For your actual tax position, consult a registered tax agent or use the ATO's official calculator.