Pay & super calculator
What's my take-home pay? See it weekly, fortnightly and monthly, plus your employer super.
| Gross salary (excl. super) | |
| Income tax (after offsets) | |
| Medicare levy | |
| HELP repayment | |
| Take-home pay (year) | |
| Employer super (12%) | |
| Total package |
Estimate based on annual tax, assuming you claim the tax-free threshold. Your actual PAYG withholding each payday may differ slightly. Super doesn't account for the maximum contribution base.
How take-home pay is worked out
We start with your gross salary, take off income tax at 2026–27 rates (less any low income tax offset), the 2% Medicare levy and any compulsory HELP repayment. Your employer's super is paid on top into your super fund. It isn't part of your take-home pay.
Common questions
What is the super guarantee rate in 2026–27?
12% of ordinary time earnings. This is the rate set from 1 July 2025.
What is Payday Super?
From 1 July 2026, employers must pay super at the same time as wages, rather than quarterly. It doesn't change how much super you get, just when it arrives.
What's the HELP repayment threshold for 2026–27?
$69,528. Below that you repay nothing. Above it, you repay 15c for each $1 over the threshold, rising to 17c above $129,717. Above $186,050, it's a flat 10% of your whole repayment income.