PAYCONTEXT TOOLS
Estimate your take-home pay from annual salary, hourly rate, or Australian job ad salary packages.
2025–26 tax settings · Plus super vs including super · Hourly rate supported
Calculator
Enter the amount shown in the job ad. Choose annual, monthly, fortnightly, weekly, or hourly. For hourly rates, enter expected working hours per week.
Results
Results are annualised and rounded to whole dollars for display.
Base salary entered: $90,000
12% superEstimated annual take-home
$70,412
Monthly
$5,868
Fortnightly
$2,708
Weekly
$1,354
Package entered: $90,000
12% superEstimated annual take-home
$63,855
Monthly
$5,321
Fortnightly
$2,456
Weekly
$1,228
This is an annualised estimate. Actual PAYG withholding, payroll results, payslip amounts, tax return outcomes, and study loan repayments may differ.
Medicare levy and HELP/HECS are simplified estimates unless otherwise stated. This calculator applies super as a simple percentage of salary or package and does not apply the maximum super contribution base for high-income employees.
Australian job ads often describe salary in different ways. The same advertised number can mean different take-home pay depending on whether super is paid on top or included in the package.
Use this calculator when a job ad shows:
For salary ranges, calculate the low end, midpoint, and high end before comparing roles. For hourly jobs, use expected weekly hours so the rate can be compared with full-time annual salary offers.
This usually means the $90,000 is base salary before tax. Employer super is paid on top.
This usually means the $90,000 includes employer super. Your taxable base salary is lower than $90,000.
Hourly pay should be converted using expected weekly hours before comparing it with annual salary roles.
Calculate the low, midpoint, and high annualised salary before comparing it with annual salary jobs.
Use the low end, midpoint, and high end to estimate the likely take-home range.
This does not provide enough information to estimate take-home pay. Use salary benchmarks, job ad context, and PayContext salary signals before applying.
Pro rata means salary is adjusted based on part-time hours or working fraction.
Casual loading may be included in the hourly rate. This calculator does not separately calculate casual loading.
OTE may include base salary plus expected commission or bonus. This calculator does not predict whether commission or bonus will actually be earned.
Variable pay is not guaranteed and is not calculated unless entered as part of the gross amount.
Contractor rates are not equivalent to employee salary because tax, super, leave, insurance, GST, expenses, and entitlements may differ. This calculator is designed for employee salary comparison, not contractor tax advice.
To convert an hourly rate to annual salary in Australia, multiply the hourly rate by expected hours per week, then by 52.
The result depends heavily on expected weekly hours. A part-time job, casual role, overtime-heavy job, or rostered job may not compare directly with a standard full-time annual salary.
In Australian job ads, "$90,000 + super" and "$90,000 including super" are not the same.
At a 12% super rate, this means $90,000 base salary plus $10,800 employer super, for a total package of $100,800.
The $90,000 package includes employer super, so the base salary is about $80,357 before tax.
Use the calculator above to compare both scenarios side by side.
For a $75,000–$90,000 salary range:
For a $35–$42/hour range at 38 hours/week:
This calculator uses simplified 2025–26 settings for Australian resident employees.
| Taxable income | Tax on this income |
|---|---|
| $0 - $18,200 | Nil |
| $18,201 - $45,000 | 16c for each $1 over $18,200 |
| $45,001 - $135,000 | $4,288 plus 30c for each $1 over $45,000 |
| $135,001 - $190,000 | $31,288 plus 37c for each $1 over $135,000 |
| $190,001 and over | $51,638 plus 45c for each $1 over $190,000 |
Taxable income is estimated from base salary. Employer super is not included in taxable income. This calculator estimates annual tax and divides the result into monthly, fortnightly, and weekly values. It is not an exact ATO PAYG withholding calculator.
If selected, this calculator applies a simplified study and training loan repayment estimate. For 2025–26, compulsory repayment starts when annual repayment income is above $67,000. From 2025–26, compulsory repayments use a marginal repayment system, meaning repayments apply only to income above the minimum threshold.
Your actual repayment may differ because the ATO uses repayment income, not only salary from one job.
This calculator does not calculate:
This calculator does not check whether a job ad meets minimum wage, award, penalty rate, overtime, allowance, or casual loading requirements. For minimum legal pay rates, use the Fair Work Pay and Conditions Tool.
Most take-home pay calculators start with a known salary. PayContext is designed for job seekers who are still interpreting the salary wording in a job ad, including plus super, including super, hourly rates, salary ranges, and unclear phrases like “competitive salary”.
PayContext helps Australian job seekers understand salary context directly on supported SEEK job pages. It can help compare salary benchmarks, job ad wording, estimated take-home pay context, and hiring signals.
This calculator applies a simplified Low Income Tax Offset estimate for eligible Australian resident taxpayers. The offset reduces income tax but cannot reduce income tax below zero. It is based on taxable income and is not applied to Medicare levy or HELP/HECS repayments.
Income up to $37,500 may receive the maximum offset. The offset tapers above that level and is not available above $66,667.
HELP/HECS is estimated using a simplified 2025–26 marginal method for comparison only. It does not reproduce every ATO repayment-income rule, personal circumstance, or tax return adjustment.
2026–27 rates are planned. This calculator currently uses 2025–26 tax settings.
No. $90,000 plus super usually means $90,000 is the base salary and employer super is paid on top. $90,000 including super usually means the total package is $90,000, so the base salary is lower.
Multiply the hourly rate by expected hours per week, then by 52. For example, $42 per hour at 38 hours per week is $82,992 per year before tax and super treatment.
Yes. Select hourly pay and enter expected hours per week. The calculator converts the hourly rate into an annualised salary estimate before calculating take-home pay.
Yes. This calculator is designed for Australian job seekers comparing salaries shown in job ads, including annual salary, hourly rate, salary package, plus super, and including-super wording.
No. It estimates take-home pay from a salary or hourly rate. It does not calculate award minimum wages, penalty rates, overtime, casual loading, or allowances.
Because a salary can be advertised as base salary plus super or as a total package including super. If super is included, the taxable base salary is lower.
It can include a simplified HELP/HECS estimate if selected. Actual repayments may differ because the ATO uses repayment income and current loan repayment rules.
It can include a simplified Medicare levy estimate. It does not calculate all Medicare levy reductions, exemptions, family thresholds, seniors/pensioners thresholds, or Medicare levy surcharge unless explicitly stated.
No. It is a general salary comparison tool only. It is not tax, financial, legal, payroll, or employment advice.
Payslips may use PAYG withholding rules, pay-cycle-specific calculations, deductions, salary sacrifice, allowances, overtime, bonuses, leave loading, or other payroll settings that this calculator does not include.
This calculator provides an estimate only and is not tax, financial, legal, payroll, or employment advice. It uses simplified assumptions and may not include tax offsets beyond the Low Income Tax Offset, deductions, Medicare levy reductions or exemptions, Medicare levy surcharge, salary sacrifice, bonuses, allowances, multiple jobs, non-resident tax rates, working holiday maker rules, contractor tax, or other personal circumstances. For official guidance, check the Australian Taxation Office or speak with a registered tax adviser.