Salary & Take-Home Pay Calculator
Enter your salary to see what actually lands in your bank account, after income tax, the Medicare levy and super, broken down by pay cycle.
Your details
Your estimated take-home pay
$70,680
Per week
$1,359
Per fortnight
$2,718
Per month
$5,890
Based on 2026-27 Australian resident individual income tax brackets, Medicare levy and Medicare levy surcharge thresholds, and the 12% superannuation guarantee rate. Salary sacrifice reduces taxable income but is added back for HECS-HELP and Medicare levy surcharge purposes, as it is under real ATO rules. Does not account for spouse income, dependents, Division 293 tax, or other tax offsets and deductions. Rates and thresholds change each financial year, always confirm current figures at ato.gov.au. This calculator gives an estimate only and is not financial or tax advice.
How to use this calculator
- 1. Use the salary figure from your contract or payslip. Toggle on if that figure already includes super.
- 2. Add any salary sacrifice to super, and toggle whether you have private hospital cover and whether you have a HECS-HELP debt, all three change what's deducted.
- 3. The calculator applies current income tax brackets, the Medicare levy and any HECS-HELP repayment to show what you actually keep.
FAQ
What tax rates does this calculator use?
The 2026-27 Australian resident individual income tax brackets: 0% up to $18,200, 15% up to $45,000, 30% up to $135,000, 37% up to $190,000, and 45% above that. The low income tax offset is applied automatically for eligible incomes.
What is the Medicare levy surcharge, and why does private cover matter?
The Medicare levy surcharge is an extra 1% to 1.5% charged to higher earners who don't hold private hospital cover, on top of the standard 2% Medicare levy. It's designed to encourage people who can afford it to take pressure off the public system. Toggle off 'private hospital cover' to see how it affects your take-home pay.
Does 'salary includes super' change the result?
Yes. Some employers quote a total package that already includes the 12% super guarantee, while others quote a base salary with super paid on top. Getting this toggle right matters, since it changes what your taxable income actually is.
Why is my take-home pay lower than salary minus tax?
Because tax isn't the only deduction. The Medicare levy (and surcharge, if it applies) and any HECS-HELP compulsory repayment also come out of your pay, on top of income tax.
Does salary sacrificing to super reduce my HECS-HELP repayments?
No, and this catches a lot of people out. Salary sacrifice lowers your taxable income, which does reduce income tax and the Medicare levy, but the ATO adds it straight back for HECS-HELP repayment income and Medicare levy surcharge income. Both use a broader income measure that counts reportable super contributions, so sacrificing more won't shrink either of those.
Is there a limit to how much I can salary sacrifice?
Yes. Your salary sacrifice plus your employer's super guarantee contributions together can't exceed the concessional contributions cap, $32,500 for 2026-27, without extra tax applying to the excess. This calculator will flag it if your combined total goes over that.
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Disclaimer
This calculator uses 2026-27 Australian resident individual income tax brackets, Medicare levy and Medicare levy surcharge thresholds, the 12% superannuation guarantee rate, and the $32,500 concessional contributions cap. It does not account for spouse income, dependents, Division 293 tax, non-super salary packaging, other tax offsets, or non-resident tax rates. Rates and thresholds are set by the government and change each financial year. This tool provides estimates only and is not financial, tax or legal advice. Confirm current figures at ato.gov.au or speak with a registered tax agent.