Australia Salary Increase Calculator

It depends on which tax bracket your raise falls into. If your salary and raise both stay within the same ATO bracket (for example, entirely within the 30% bracket between $45,001 and $135,000), you keep roughly 68% of the gross raise after income tax and the 2% Medicare Levy. If the raise pushes you into a higher bracket, the portion above that threshold is taxed at the higher marginal rate, so your overall retention on the full raise drops. On a $110,000 salary with a 10% raise to $121,000, both fully inside the 30% bracket, you'd keep about 68% of the gross $11,000 raise, or $7,480 net.

For the 2026-27 financial year (1 July 2026 to 30 June 2027): tax-free up to $18,200, 15% from $18,201 to $45,000, 30% from $45,001 to $135,000, 37% from $135,001 to $190,000, and 45% above $190,000. The Medicare Levy adds a further 2% on top for most taxpayers, with a low-income exemption below roughly $28,011 for singles.

Yes, indirectly and to your benefit. Since the Super Guarantee is 12% of your ordinary time earnings, a higher salary means a higher compulsory super contribution from your employer, on top of the take-home increase this calculator shows. That extra super isn't part of your net pay rise figure, but it's a real additional gain worth factoring in when weighing a raise or promotion.

Because Australia's income tax system is progressive: each additional dollar is taxed at the marginal rate for the bracket it falls into, not the average rate across your whole salary. A 10% gross raise rarely translates to a 10% net increase, and the gap widens the more of the raise falls into a higher bracket. This is why calculating the net figure matters before making financial decisions based on an expected raise.

No. HECS/HELP repayments are calculated as a percentage of your total repayment income once you're above the threshold, and a pay rise can push you into a higher repayment band, which reduces your net gain further if you have an outstanding loan. Use the HECS/HELP Calculator (linked below) alongside this one to see the combined effect if you have a student loan balance.

At $150,000, your marginal income tax rate is 37% (income above $135,000 falls into the 37% bracket for 2026-27), plus the 2% Medicare Levy, for a combined marginal rate of 39%. That means you keep roughly 61 cents of every additional dollar earned above $135,000, materially less than the 68-70% retention typical of the 30% bracket.