Find out your exact take-home pay in Australia. Enter any gross salary and see your Income Tax and Medicare Levy calculated bracket by bracket, using 2026-27 ATO rates, plus your employer's superannuation contribution shown separately.
2026-27 tax year
Tax-free up to $18,200. 15% to $45,000. 30% to $135,000. 37% to $190,000. 45% above. Plus 2% Medicare Levy.
Common salaries:
Annual take-home pay
$77,480
Per month
$6,457
Per week
$1,490
Effective tax rate
22.5%
Employer superannuation (on top, not deducted)
$12,000/year
Under the Super Guarantee, your employer must pay an extra 12.0% of your ordinary time earnings into your super fund on top of your salary. This is notsubtracted from your take-home pay above — it's a separate, additional payment your employer makes on your behalf toward retirement.
How your $100,000 is split
$77,480
77.5%
$20,520
20.5%
$2,000
2.0%
| Gross salary | $100,000 |
| Income Tax | -$20,520 |
| Medicare Levy (2%) | -$2,000 |
| Total deductions | -$22,520 |
| Net take-home (annual) | $77,480 |
Calculations use 2026-27 Australian resident tax brackets and the 2% Medicare Levy, applying the low-income threshold as a simple cutoff rather than modelling the exact phase-in band. Superannuation Guarantee is shown as an informational employer contribution on top of salary and is not subtracted from take-home pay. Does not account for HECS/HELP student loan repayments, the Medicare Levy Surcharge, private health insurance rebates, or other offsets. For precise advice consult a registered tax agent or the ATO.
Keep your numbers current
Tax rates and allowances change every year
Get an email when we update this calculator for new rates, so you're never planning from stale numbers.
On a gross salary of $120,000, your estimated 2026-27 take-home is approximately $92,900 per year (around $7,740/month) after Income Tax and the Medicare Levy. Your employer would also pay an additional $14,400 (12%) into your superannuation on top of this salary.
For 2026-27, income up to $18,200 is tax-free. Income from $18,201-$45,000 is taxed at 15%. Income from $45,001-$135,000 is taxed at 30%. Income from $135,001-$190,000 is taxed at 37%. Income above $190,000 is taxed at 45%. These rates apply to Australian tax residents.
The Medicare Levy is a separate 2% charge on your taxable income that helps fund Australia's public healthcare system. It's calculated on top of your income tax. Low-income earners below a threshold (around $28,000 for singles) are exempt or pay a reduced rate; this calculator applies a simplified cutoff at that threshold.
No. Superannuation is not a payroll deduction in Australia. Under the Superannuation Guarantee, your employer is legally required to pay an extra 12% of your ordinary time earnings into your super fund, on top of your salary, at no cost to your take-home pay. It's a separate, employer-funded retirement contribution, not money withheld from what you're paid.
No, not yet. If you have a HECS-HELP or other Study/Training Support Loan debt, the ATO withholds an additional repayment amount (calculated as a percentage of your income once you're above the repayment threshold) on top of the income tax and Medicare Levy shown here. We're evaluating a dedicated HECS-HELP repayment calculator as a future addition.
No. Unlike the United States, Australia has no state or territory income tax on individuals. All personal income tax is levied federally by the Australian Taxation Office (ATO), so your tax bill is the same regardless of which state or territory you live and work in. States do levy other taxes (like payroll tax on employers and stamp duty), but these don't affect your personal take-home pay.
Related reading
Understand what your Australian salary figure actually means before you compare it to anything else.
Monthly briefing
One email a month covering salary movements, tax and rate changes (2026-27 ATO rates), new calculators, and market intelligence in Australia. Built for tech professionals, contractors, and hiring managers.
Join tech professionals in Australia
No noise. Just the data that moves your decisions.
Free. No spam. Unsubscribe any time. GDPR-compliant.