Estimate your 2025-26 take-home pay with our official-aligned calculator. Includes Stage 3 tax cuts, superannuation, and Medicare levy.
Before tax and superannuation
Enter your gross salary and pay frequency to see your detailed take-home pay breakdown.
Most Australians miss out on thousands of dollars in deductions. Start tracking your receipts now.
In Australia, your take-home pay (or "net pay") is your gross salary minus Income Tax, the Medicare Levy, and any HECS/HELP debt repayments.
Australia uses a progressive tax system. Following the Stage 3 tax cuts effective July 1, 2024, the rates for the 2025-26 financial year are:
Most Australians pay a 2% Medicare Levy of their taxable income to help fund the public health system. This is automatically calculated in our tool.
One of the most effective ways to increase your take-home value is through Salary Sacrifice. By redirecting part of your pre-tax salary into your Superannuation or a Novated Lease, you reduce your taxable income.
For example, if you earn $100,000 and sacrifice $10,000 into super, you only pay income tax on $90,000, potentially saving thousands in tax while growing your retirement nest egg.
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