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.
Tax-free threshold
$18,200
2026-27, unchanged
Top marginal rate
45%
above $190,000
Medicare Levy
2%
flat, above $28,011 threshold
Super Guarantee
12%
employer add-on, not deducted
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.
Your salary is taxed in slices, not all at once at one rate. The first $18,200 you earn each year is completely tax-free. The next slice, up to $45,000, is taxed at 15%. Above that, the rate steps up again at $135,000 and again at $190,000, topping out at 45% on anything beyond that. Only the dollars sitting inside each bracket get taxed at that bracket's rate, so a higher salary never pulls your entire income into a higher rate all at once.
The Medicare Levy sits on top of income tax as a separate flat 2% charge on your taxable income, funding the public healthcare system. It isn't part of the bracket calculation above, it's added afterward, with a low-income cutoff below which it doesn't apply at all.
Superannuation works completely differently from everything else here. Your employer's 12% Super Guarantee contribution is never subtracted from your take-home pay, it's an extra amount paid into your super fund on top of your salary. That's why this calculator shows it as a separate line rather than folding it into your net pay figure: it's real money, just not money that hits your bank account today.
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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. This tool shows Income Tax and the Medicare Levy only. If you have a HECS-HELP or other Study/Training Support Loan debt, the ATO withholds an extra repayment on top once your repayment income clears the threshold. Use the Australia HECS/HELP Repayment Calculator for the 2026-27 marginal repayment bands and an indexation-adjusted years-to-clear estimate.
No. This tool shows the base 2% Medicare Levy only. If you earn above the Medicare Levy Surcharge threshold ($105,000 for singles, $210,000 for families in 2026-27) and don't hold private hospital cover for the full year, you'll pay an additional 1%, 1.25%, or 1.5% surcharge on top. Use the Australia Medicare Levy Surcharge Calculator to see your exact surcharge and compare it against a private hospital cover premium.
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.
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