Calculate your take-home pay from your salary or hourly rate. See your gross pay, income tax, Medicare levy, super, and net pay broken down by week, fortnight, month, and year. Updated for 2026-27 tax brackets.
| Weekly | Fortnightly | Monthly | Annual | |
|---|---|---|---|---|
| Gross pay | $1,634.62 | $3,269.23 | $7,083.33 | $85,000 |
| Income tax | $308.08 | $616.15 | $1,335.00 | $16,020 |
| Medicare levy | $32.69 | $65.38 | $141.67 | $1,700 |
| Take-home pay | $1,293.85 | $2,587.69 | $5,606.67 | $67,280 |
| Super (12%) | $196.15 | $392.31 | $850.00 | $10,200 |
Switch between salary and hourly mode to see how your pay structure affects take-home. A $85,000 salary is equivalent to about $43/hour at 38 hours per week.
Increase your salary to see how much of a pay rise actually reaches your bank account. At higher marginal rates, you keep less of each additional dollar — but the extra take-home can still be meaningful.
If you have a HELP debt, toggle it on to see how much is withheld from your pay. HELP repayments start at 1% of your income once you earn over $54,435 and increase in bands.
Your employer pays 12% super on top of your salary. On an $85,000 salary, that's $10,200 per year going into your super fund — money that doesn't appear in your take-home but is part of your total package.
Your take-home is $2,587.69 per fortnight. Use our loan calculators to see what repayments fit within your budget.
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Pay As You Go (PAYG) withholding is calculated using ATO tax tables based on your annual taxable income. Your employer withholds tax from each pay period and remits it to the ATO on your behalf. The amount withheld depends on your income level, residency status, tax-free threshold claim, and whether you have a HELP debt.
Gross pay is your total earnings before any deductions. For salaried employees, it's your annual salary divided by the number of pay periods. For hourly employees, it's your hourly rate multiplied by hours worked. Gross pay does not include superannuation — super is paid on top of your gross salary by your employer.
From 1 July 2025, employers must pay 12% of your ordinary time earnings (OTE) as superannuation. This is the super guarantee rate and applies to most employees over 18 who earn $450 or more per month. Super is paid on top of your gross salary — it does not come out of your take-home pay.
Gross pay is your total earnings before deductions. Net pay (take-home pay) is what you actually receive after income tax, Medicare levy, and any other deductions (like HELP repayments) are withheld. The difference between gross and net is the total amount withheld by your employer.
Multiply your hourly rate by the number of hours you work per week, then multiply by 52 weeks. For example, $35/hour × 38 hours × 52 weeks = $69,160 per year. This calculator does this conversion automatically when you switch to hourly mode.
This calculator assumes standard hours at your base rate. Overtime, penalty rates, shift loadings, and allowances are not included. If you regularly work overtime, you can increase the hours per week to approximate the effect, or enter your total expected annual earnings in salary mode.
The Medicare levy is 2% of your taxable income, funding Australia's public health system. Low-income earners (under $26,000) are exempt, with a shade-in range up to $32,500. The Medicare levy surcharge (an additional 1-1.5%) may apply if you earn over $93,000 and don't have private hospital cover — this calculator does not include the surcharge.
The results are estimates based on ATO tax brackets, the Medicare levy, and LITO for the selected financial year. Actual take-home pay may differ due to salary sacrifice arrangements, additional tax offsets, Medicare levy surcharge, or other individual circumstances. Use these results for budgeting and planning.
Results are estimates only and should not be relied upon for financial decisions. Actual pay repayments will depend on the lender, your credit profile, and the specific terms offered. Interest rates used are for illustration purposes only and may not reflect current market rates.
Subject to lender approval, terms and conditions apply.
This calculator is general information only and is not financial advice.