Salary & Tax Calculators for Australia

Calculate your exact Australia take-home pay for 2026-27. See Income Tax and the Medicare Levy broken down bracket by bracket, plus your employer's superannuation contribution shown separately (it's never deducted from your pay).

ExampleA$150K gross → A$116K take-home + A$18K employer super

Check what an Australian offer really means when super is included in the package versus paid on top. Compare cash salary, 12% employer super, estimated take-home, and optional HECS/HELP or MLS impacts.

ExampleA$120K package incl. super → A$107.1K cash salary

Estimate how much of an Australian cash bonus you keep after incremental income tax and Medicare Levy, with an optional annualised HECS/HELP repayment estimate.

ExampleA$100K salary + A$15K bonus: see the estimated cash left

Calculate your compulsory HECS/HELP repayment for 2026-27 under the marginal repayment system. See your repayment band by band, plus an indexation-adjusted years-to-clear projection.

Example$85K salary, $30K debt → $2,321/yr repayment (15% band)

Estimate whether you're owed a refund or owe extra at tax time. Compares PAYG withholding through the year against actual tax payable after common work-related deductions like working from home, tools, and self-education.

Example$95K salary, $580 deductions → ~$196/yr refund

See how much a novated lease reduces your take-home pay. Compare a fully FBT-exempt EV against a standard petrol/diesel car under the Employee Contribution Method, with 2026-27 luxury car tax and FBT rules built in.

Example$100K salary, $15.5K/yr EV lease → fully pre-tax, no FBT

See how much salary sacrifice into super saves you for 2026-27 after the $32,500 concessional cap and 15% contributions tax, with remaining room after your employer's 12% SG.

Example$110K salary, $10K sacrifice → ~$1,700/yr net wealth gain

Calculate your Australia Medicare Levy Surcharge for 2026-27. See your exact surcharge tier, the base Medicare Levy alongside it, and a direct cost comparison against private hospital cover.

ExampleSingle, $130K, no cover → A$1,625/yr MLS (A$4,225 total Medicare charges)

Convert a permanent salary to a contractor day rate, or a day rate back to its permanent equivalent. Covers the 220 billable-day year, PAYG/agency vs sole trader loading, the 12% Super Guarantee, and 10% GST invoicing.

ExampleA$150K base, sole trader → ~A$885/day excl. super

Calculate the true annual cost of hiring in Australia. Covers the 12% Super Guarantee, state payroll tax (NSW, VIC, QLD, WA, SA, TAS, ACT, NT), workers' compensation insurance, equipment, and recruitment fees.

ExampleA$120K salary, NSW over threshold → ~1.19× true cost of employment

Find out exactly how much of your pay rise you actually keep after Australian income tax and the Medicare Levy. Enter your salary and raise percentage to see your real net increase and monthly gain.

ExampleA$110K + 10% raise → +A$7,480 net/yr

Compare two Australian job offers after tax, employer super, expected bonus, and commute cost. Supports salary packages including super or base salary plus super, with optional HECS/HELP and MLS estimates.

ExampleA$120K package vs A$115K + super: compare the cash difference

Find out exactly how much of your bonus you receive after tax. Enter your base salary and bonus to see net take-home, the effective tax rate on your bonus, which bands it crosses, and your total annual take-home. Covers the UK 60% tax trap and Ireland's 52% marginal rate.

Example£10K bonus at £80K salary → £5,800 net (42% marginal rate)

Calculate UK and Ireland RSU tax across both events: Income Tax + NI or PAYE/USC/PRSI at vest, and Capital Gains Tax on any gain at sale. See exactly what lands after tax.

Example500 shares @ €40 vest → real take-home after tax

Compare your true net take-home from a permanent salary against a contract day rate, side by side after all taxes. See the break-even day rate and which option puts more money in your pocket.

Example€80K salary vs €450/day → contract +€18K/yr

Find the exact day rate you need to charge to hit your target net income. Works backwards from what you want to take home, accounting for taxes, business overheads, public holidays, leave, and gap time between contracts.

Example€70K net target → ~€590/day Ireland sole trader

Convert any contractor day rate to an annual gross equivalent. Adjust billable days and unpaid time off to get a realistic annual figure, then link through to full take-home calculators.

Example€500/day × 220 days → €110K gross

Find out how much you can actually borrow as an IT contractor. Uses the specialist day-rate underwriting formula (day rate × 5 × 46 weeks) instead of your director salary. Shows the full gap between high street banks and contractor-specialist lenders.

Example£600/day → up to £759K borrowing (vs £50K high street)

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

ExampleSenior Engineer Ireland → €89K–€120K band, €120K employer cost

Is it cheaper to hire a contractor or a permanent employee? Compare total employer cost across 3, 6, 9, and 12-month engagements. Includes break-even day rate, recruitment fee impact, and full TCE analysis for Ireland and UK.

Example€85K perm vs €500/day contractor: permanent cheaper after week 21

Compare AI/ML Engineer net pay, contractor economics, and cost-of-living trade-offs across the UK, Ireland, Australia, Canada, Singapore, Hong Kong, UAE, New Zealand, Saudi Arabia, Qatar, and the US. Each market's own take-home tax engine, ranked side by side.

ExampleSenior AI/ML Engineer, 11 markets ranked by net pay

Compare your offered base salary against real market benchmarks (p25 to p75) for your role and country, and see your actual estimated take-home pay. Covers 26 markets across Europe, the Americas, Asia-Pacific, and the Middle East.

Example£85K Software Engineer offer UK → In Market, 8% above median

Compare two job offers side by side using real after-tax net income, confidence-weighted bonus, employer pension match, commute cash cost, and true hourly rate. Works for Ireland and UK, including cross-border EUR/GBP comparisons.

Example€85K hybrid vs €80K remote: remote wins on true hourly rate

Find out exactly how much of your pay rise you actually keep after tax. Enter your salary and raise percentage to see your real net increase, monthly gain, and how much goes to Revenue or HMRC.

Example€75K + 10% raise → +€3,700 net/yr

Find out exactly how much a specific AI skill adds to your salary. Pick your role, seniority, and city to see the real premium for skills like fine-tuning, RAG pipelines, LangChain, and CUDA optimisation in Ireland and the UK.

ExampleSenior AI Engineer Dublin + Fine-tuning (LoRA) → +€27K/yr

Is your pay rise actually keeping pace with inflation? See your real purchasing power change after tax, and calculate the minimum gross raise you need to maintain your standard of living.

Example5% raise + 4% inflation → ahead by €1,200/yr

Moving city? Find out what salary you need in your new location to maintain your current standard of living. Combines after-tax take-home with cost of living adjustment across Dublin, London, Manchester, Birmingham, and Edinburgh.

Example£65K in Manchester → need €97K in Dublin

Find out whether a higher hybrid salary is actually worth the commute. Compares true net income after tax, travel, meals, wardrobe, and the opportunity cost of commuting time. Ireland and UK 2026 rates.

Example€65k hybrid vs €58k remote: who wins?

Compare net take-home from a Dublin salary in EUR and a London salary in GBP, converted to a common currency for a fair side-by-side comparison after all Irish and UK taxes.

Example€90K Dublin vs £80K London: who nets more?

Convert an hourly wage to an annual salary, or an annual salary back to an hourly rate. Adjust hours per week and weeks worked per year to see hourly, daily, weekly, monthly, and annual gross equivalents side by side.

Example$25/hr × 40hrs × 52wks → $52,000/yr gross