Australia Take-Home Pay Calculator (2026-27)
Enter your salary to see your net pay after income tax, the Medicare levy and HELP/HECS — with a full breakdown and your employer super shown separately.
- 2026-27 ATO tax rates
- Superannuation: 12%
- Medicare levy & HELP/HECS included
Deductions & options +
Your take-home pay
- 79.8% Take-home pay $63,880
- 18.1% Income tax $14,520
- 2.0% Medicare levy $1,600
- Gross salary
- $80,000
- Total tax
- −$16,120
- + Employer super (12.0%)
- $9,600
How this is calculated
Your take-home pay is your gross salary minus income tax, the Medicare levy and any compulsory HELP/HECS repayment. Employer superannuation is paid on top of your salary and does not reduce your take-home pay.
For the 2026-27 year, resident income tax is applied progressively across these brackets:
| Taxable income | Rate on income in band |
|---|---|
| $0 – $18,199 | 0% |
| $18,200 – $44,999 | 15% |
| $45,000 – $134,999 | 30% |
| $135,000 – $189,999 | 37% |
| $190,000 and over | 45% |
The Medicare levy is 2% of taxable income, reduced for low-income earners through a phase-in band. HELP/HECS repayments, when enabled, apply a rate based on your income.
Assumptions & data caveats
- DRAFT — VERIFY EVERY NUMBER against the ATO before launch. These figures are Claude-drafted for scaffolding, not confirmed 2026-27 rates.
- Income-tax brackets reflect the legislated Stage-3 schedule with the second bracket reduced to 15% from 1 July 2026 — confirm this took effect and no further changes apply.
- Medicare levy low-income thresholds are indexed annually; the values here are placeholders (approx. 2024-25 single thresholds) and must be replaced with the 2026-27 singles thresholds.
- HELP/HECS repayment is modelled with the traditional flat-rate-by-band method. From 2025-26 the ATO moved to a marginal repayment system with a higher first threshold (~$67,000). Confirm which system and thresholds apply for 2026-27 and update the calculator methodology if needed.
- Super guarantee is set to 12% (legislated maximum from 1 July 2025). Confirm for 2026-27.
- Repayment income is approximated as taxable income; the ATO definition adds back items such as reportable fringe benefits and net investment losses.
Official sources
Disclaimer: This calculator provides estimates only and is not financial, tax, or legal advice. Figures are general in nature and may not reflect your circumstances. Verify against official sources or a qualified adviser before making decisions.
Frequently asked questions
What is take-home pay? +
Take-home pay (net pay) is what lands in your bank account after income tax, the Medicare levy, and any HELP/HECS repayment are deducted from your gross salary. It excludes employer superannuation, which is paid on top of your salary into your super fund.
Is superannuation included in my salary? +
Employer super (the super guarantee) is paid on top of your gross salary, not deducted from it — so it does not reduce your take-home pay. This calculator shows the employer contribution separately. If you salary-sacrifice extra into super, enter it as a pre-tax deduction.
How is the Medicare levy calculated? +
Most taxpayers pay a 2% Medicare levy on taxable income. Low-income earners pay a reduced levy that phases in gradually above a lower threshold, reaching the full 2% at an upper threshold. The Medicare levy surcharge (for higher earners without private hospital cover) is not included here.
Does this include HELP/HECS repayments? +
Yes, optionally. Turn on the HELP/HECS toggle and the calculator adds a compulsory study-loan repayment based on your income. Repayment rates and thresholds are set by the ATO and change each year.
Are these figures exact? +
No — they are estimates. Results depend on rates and thresholds that change annually and on personal circumstances (offsets, other income, deductions) not captured here. Always confirm with the ATO or a registered tax agent before making decisions.