Calculate your Australian take-home pay after income tax, Medicare and super.
This net salary calculator estimates your take-home pay after income tax, the Medicare levy and superannuation, using Australian resident tax rates. It turns a gross annual salary into the amount that actually lands in your bank account.
The estimate uses the ATO resident tax rates for 2025–26 (or foreign resident rates if you select non-resident), plus the Medicare levy option you choose. Two numbers in the results are worth understanding. Your effective rate is the share of your whole salary that goes to tax — it is always lower than your top marginal rate, because the first slice of income is tax-free and the next slices are taxed at lower rates. A pay rise is therefore never "not worth it because of tax": only the extra dollars are taxed at the higher rate, never your whole salary.
Remember that superannuation is not a deduction from these figures — the 12% super guarantee is paid by your employer on top of your gross salary (unless your contract is written as a "package including super", in which case divide the package by 1.12 to find your base salary first). If you have a HECS/HELP debt, compulsory repayments will reduce your take-home pay further once your income passes the repayment threshold, and salary-sacrifice arrangements change the picture again — usually in your favour.
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