PayContext tools
Australia Take-Home Pay Calculator2025-2026
Estimate your Australian take-home pay from annual salary, income tax, Medicare levy and super. Use it to understand what a job offer may actually mean after tax.
This calculator is designed for Australian job seekers comparing salaries, job offers and salary packages.
Calculator
Enter your salary
Enter the salary shown in a job ad or offer. Choose "includes super" if the advertised amount is a total package. Choose "excludes super" if super is paid on top of the salary.
Use the annual amount shown in the job ad or offer.
Result
Estimated take-home pay
Annual take-home estimate
$70,412
Estimated cash pay after income tax, Medicare levy.
Monthly
$5,868
Fortnightly
$2,708
Weekly
$1,354
- Base salary
- $90,000
- Income tax
- $17,788
- Medicare levy
- $1,800
- Employer super
- $10,800
- Total package
- $100,800
- Total deductions
- $19,588
- Effective deduction rate
- 21.8%
- Marginal tax rate
- 30%
What this estimate uses
This Australian salary calculator uses simplified assumptions based on 2025-26 Australian resident income tax rates, a simplified 2% Medicare levy and a 12% super guarantee rate. It is designed for job seekers comparing salary after tax, not for preparing a tax return.
How to use this take-home pay calculator
Enter the annual salary shown in a job ad or offer, choose whether the amount includes super, and review your estimated annual, monthly, fortnightly and weekly take-home pay. The calculator also shows a simple breakdown of income tax, Medicare levy, super and total package value.
- Enter the annual salary shown in a job ad or offer.
- Choose whether the amount includes super.
- Select whether to include Medicare levy.
- Optionally include a simplified HELP/HECS repayment estimate.
- Review estimated annual, monthly, fortnightly and weekly take-home pay.
Salary vs salary package in Australia
In Australia, some employers advertise base salary plus super, while others advertise a total package including super. These are not the same. A $90,000 salary plus super gives you a higher total package than a $90,000 package including super.
Base salary is usually the amount before tax and before super. Total package may include employer super. If a job ad says "$90,000 package including super", the taxable salary is lower than $90,000. If it says "$90,000 plus super", the taxable salary is $90,000 and super is paid on top.
How super changes your job offer
Super is part of your overall compensation, but it is usually paid into your superannuation fund rather than paid to you as cash salary. That means it affects your total package, but not your regular take-home pay.
Salary including super and salary plus super can produce very different take-home pay estimates. When comparing salary package calculator results, check whether the advertised salary is base salary or a total package.
What does take-home pay mean?
Take-home pay is the estimated cash amount left after income tax, Medicare levy and any selected study loan repayment estimate are deducted from taxable salary. It is useful for budgeting, but it is not the same as total compensation.
This salary after tax Australia estimate does not include every personal circumstance. Deductions, offsets, salary sacrifice, bonuses, allowances and multiple jobs can all change the final result.
Using this calculator to compare job offers
Take-home pay is only one part of comparing job offers. You should also consider commute time, flexibility, leave, bonus structure, job security, growth opportunities and whether the salary is base pay or a package including super.
| Factor | Offer A | Offer B |
|---|---|---|
| Salary and package | Higher salary, check super terms | Lower salary, stronger benefits |
| Work conditions | Longer commute | Better flexibility |
| Long-term value | Bonus or growth potential | Job security or learning fit |
For a broader framework, read How to Compare Two Job Offers in Australia.
Comparing salaries on SEEK?
PayContext helps you understand salary context directly on supported SEEK job pages, so you can compare roles with more confidence.
Frequently asked questions
Is this calculator tax advice?
No. This calculator provides an estimate only and is not tax, financial or legal advice.
Does this calculator include super?
Yes. You can compare a salary that excludes super with a salary package that includes super. If the amount includes super, the calculator estimates the base salary by backing super out of the total package.
Does this calculator include Medicare levy?
By default, it includes a simplified Medicare levy estimate. Some people may qualify for Medicare levy reductions or exemptions, and Medicare levy surcharge is not included.
Does this include HELP or HECS repayments?
Yes. It uses a simplified 2025-26 study and training loan repayment estimate. Actual repayment income may differ from taxable salary.
Why is take-home pay lower than my salary?
Take-home pay is lower because income tax and Medicare levy are deducted from taxable salary. Super is usually paid to your super fund rather than paid as cash salary.
Should I compare base salary or total package?
Compare both. Base salary affects regular take-home pay, while total package helps you understand the employer's overall compensation offer.
Disclaimer
This calculator provides an estimate only and is not tax, financial or legal advice. It uses simplified assumptions and may not include tax offsets, deductions, Medicare levy reductions or exemptions, Medicare levy surcharge, salary sacrifice, bonuses, allowances, multiple jobs, non-resident tax rates, working holiday maker rules, or other personal circumstances. For official guidance, check the Australian Taxation Office or speak with a registered tax adviser.