ATO Pay Calculator

Estimate your 2025-26 take-home pay with our official-aligned calculator. Includes Stage 3 tax cuts, superannuation, and Medicare levy.

Calculate Pay

$

Before tax and superannuation

Tax Bracket Breakdown

See how your gross income is distributed across progressive ATO tax brackets and the Medicare levy.

Estimated annual Take Home

$67,012.00

Gross

$85,000.00

Tax

-$17,988.00

Super

$10,200.00

Australian Income Percentile

ATO Distribution

At an annual gross income of $85,000.00, your earnings rank in the 67th percentile. This places you in the Top 33% of all individual taxpayers in Australia.

Measure Real Wage Growth (CPI)

Has your salary outpaced the cost of living? Enter a past salary to measure equivalent purchasing power in June 2026 dollars.

$

Pay Cycle Comparison

Weekly

Gross: $1,635.00

$1,289.00

Tax: -$346.00

Fortnightly

Gross: $3,269.00

$2,577.00

Tax: -$692.00

Monthly

Gross: $7,083.00

$5,584.00

Tax: -$1,499.00

Annually

Gross: $85,000.00

$67,012.00

Tax: -$17,988.00

Want a bigger tax refund?

Most Australians miss out on thousands of dollars in deductions. Start tracking your receipts now.

Start Free Now

How to Calculate Your Take-Home Pay

Your Salary Details

  • Enter your annual gross income
  • Select superannuation preference
  • Toggle HECS/HELP debt if applicable

Review Breakdown

  • Instantly see weekly/fortnightly pay
  • Check super guarantee contribution
  • View income tax and medicare levy

How Your Take-Home Pay is Calculated

In Australia, your take-home pay (or "net pay") is the actual money deposited into your bank account after mandatory deductions are subtracted from your gross salary. These primary deductions include Income Tax, the Medicare Levy, and compulsory HECS/HELP student loan repayments.

1. Income Tax Brackets (2025-26)

Australia uses a progressive tax system where higher income bands attract higher tax rates. Following the Stage 3 tax cuts, the brackets and marginal tax rates for the 2025-26 financial year are:

  • $0 - $18,200: 0% (Tax-free threshold)
  • $18,201 - $45,000: 16% (plus 2% Medicare Levy)
  • $45,001 - $135,000: 30% (plus 2% Medicare Levy)
  • $135,001 - $190,000: 37% (plus 2% Medicare Levy)
  • $190,001 and above: 45% (plus 2% Medicare Levy)

2. Medicare Levy & Surcharge

Most Australian residents pay a standard 2% Medicare Levy of their taxable income to support the public healthcare system. This levy is automatically calculated within our tool.

However, high-income earners without qualifying private hospital cover may also be subject to the Medicare Levy Surcharge (MLS). The MLS ranges from 1% to 1.5% and applies to individuals earning over $97,000 and families earning over $194,000.

3. HECS/HELP Student Debt Repayments

If you have an outstanding student loan (such as HECS/HELP), you are required to make compulsory repayments once your repayment income exceeds the minimum threshold ($54,435 for FY 2025-26). These repayments are calculated as a percentage of your total income (not just the amount above the threshold) and range from 1% up to 10% for high earners.

4. Superannuation Guarantee (11.5%)

Employers are legally required to pay the Superannuation Guarantee (SG) on top of your ordinary earnings. For the 2025-26 financial year, the SG rate is 11.5%. When checking your salary details, always verify if your gross package includes or excludes super, as this significantly impacts your base take-home pay.

5. Salary Sacrifice & Tax Reduction Strategies

One of the most effective ways to lower your income tax is through Salary Sacrifice. By making pre-tax contributions into your superannuation (concessional contributions) or financing a vehicle through a Novated Lease, you reduce your taxable income.

For example, sacrificing $10,000 of a $100,000 salary means you are only taxed on $90,000. The sacrificed amount is taxed at a concessional rate of just 15% inside your super fund, resulting in significant immediate tax savings.