Australia Take-Home Pay Calculator (2025-26)
Work out Australian take-home pay after income tax, Medicare levy and HELP repayments, plus employer super on top.
How Australian take-home pay is worked out
Resident income tax for 2025-26 is: 0% up to $18,200, 16% up to $45,000, 30% up to $135,000, 37% up to $190,000 and 45% above that. The low income tax offset lowers tax for people earning under $66,667. The Medicare levy is 2% of taxable income.
Super and HELP
Employer super of 12% is paid on top of your salary and is not part of take-home pay. A HELP loan repayment is a percentage of income that depends on your income band; enter your rate or 0 if you have no loan.
Limits
Medicare levy reductions, private health surcharge, deductions and other income are not modelled. The result is an estimate.
Tax year: Australia 2025-26. Rates and limits are updated every year. Source: Australian Taxation Office tax rates. Last reviewed November 2026.
Tips and common mistakes
- Check your payslip against the estimate.
- Super is extra, so it does not reduce your take-home pay.
- Enter your HELP rate from the ATO table for your income.
Learn more
Frequently asked questions
Which year is this?
2025-26 resident tax rates.
Is super taken from my pay?
No. Employer super is paid on top of salary.
Does it work for non-residents?
No. Non-residents have different rates.
Is the Medicare levy exact?
It uses 2% and ignores low-income reductions.
Is this tax advice?
No. It is an estimate.
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