Australia salary calculator 2026–27
Estimate your monthly and annual take-home pay after Australian income tax and the standard Medicare levy, then see what remains after expenses, savings and investments.
Designed for a full-year Australian resident individual. HELP/STSL, Medicare Levy Surcharge, family adjustments and personal deductions are not currently modelled.
What this Australian pay calculator includes
The automatic Australia estimate uses 2026–27 resident income-tax settings, the legislated A$1,000 standard work-expense deduction, LITO and the standard Medicare levy using the current low-income thresholds. The monthly result is an annual tax estimate divided across the year, so it can differ from payroll withholding in a particular pay period.
After estimating take-home pay, you can add rent or housing, debt payments, living costs, savings and investments. That makes the calculator useful for comparing a salary offer with the amount of money you may actually have available each month.
Step 1
Salary & deductions
You provide the combined tax and mandatory deduction rate.
Rules reviewed: 15 October 2026Step 2
Your monthly money
After your selected expenses, savings and investments.
Step 3
Savings goal
How to use the Australia salary calculator
- Enter your gross cash salary and choose monthly or annual frequency.
- The calculator estimates annual resident income tax and the standard Medicare levy for the supported 2026–27 profile.
- Add your monthly housing, debt, living costs, savings and investments.
- Use the remaining-money figure to compare your salary with your real monthly commitments.
What is not included
The current Australia profile does not model HELP/STSL repayments, Medicare Levy Surcharge, family-based Medicare adjustments, working-holiday or foreign-resident rates, or personal deductions beyond the assumptions stated in the methodology. Employer superannuation is also not treated as spendable take-home pay here.
Common Australian salary questions
Is the Medicare levy included?
Yes. The model includes the standard Medicare levy and the current low-income phase-in treatment used by the calculator.
Are HELP or student-loan repayments included?
No. HELP/STSL repayments can materially reduce payroll take-home and are not currently included.
Why might my fortnightly or monthly payslip differ?
This calculator estimates annual tax liability and converts it to an average monthly amount. Payroll withholding in an individual pay period can differ.
Should I include superannuation in gross salary?
Use the gross cash salary that is actually subject to income tax. If a job offer is quoted as a total package including employer super, separate the employer super component first.
What does the final remaining-money figure show?
It shows estimated monthly net income after subtracting the expenses, savings and investments you entered.
For the full assumptions and source links, see the methodology.