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Take-Home Pay Calculator

Estimate your net pay after income tax, the Medicare levy and the low income tax offset (LITO) for the 2025-26 financial year.

Inputs

AUD
Take-home = income − income tax − 2% Medicare levy + LITO. Uses 2025-26 resident rates; assumes you claim the tax-free threshold. Super (12%) is paid by your employer on top and is not deducted from take-home. Excludes the Medicare Levy Surcharge and HELP/HECS repayments. From 1 July 2026 the 16% bracket falls to 15%.

Take-Home Per Month

After tax & Medicare levy
$0

How take-home pay works

Your take-home pay is your taxable income minus income tax and the Medicare levy, with PAYG tax withheld from each pay. Income tax is charged on a progressive scale: nothing on the first $18,200, then 16%, 30%, 37% and 45% on successive brackets. The Medicare levy adds 2% of taxable income (with reductions for low-income earners).

The Low Income Tax Offset (LITO) of up to $700 reduces tax for incomes up to $66,667, lifting your net pay. Your employer also pays superannuation at 12% on top of your wage — that goes into your super fund and does not reduce take-home pay. If you have a HELP/HECS debt or no private hospital cover at higher incomes, additional amounts may be withheld.

FAQ

Is super included in my take-home?
No. The 12% super guarantee is paid by your employer on top of your salary into your super fund — it isn't deducted from your take-home pay.
What is the Medicare levy?
A 2% levy on taxable income that helps fund public health care. Low-income earners pay a reduced rate or are exempt.
What about HECS/HELP?
Study loan repayments are income-based and withheld separately once you earn above the threshold (around $67,000). They aren't included here.
Does this assume the tax-free threshold?
Yes — it assumes you claim the $18,200 tax-free threshold with one employer. Not claiming it (e.g. a second job) means more tax is withheld.