Australian Take-Home Pay & Income Tax Calculator

Take-home pay examples for 2026-27

$80,000 a year is $63,880 take-home in 2026-27: $2,457 a fortnight or $1,228 a week. These are the calculator's results for an Australian resident who claims the tax-free threshold, has private hospital cover (or earns under the surcharge threshold) and no HELP debt. Income tax is shown after the low income tax offset.

On $80,000, your top dollars are taxed at 30c in the dollar, but the tax-free threshold and the 15c bracket below it mean your total tax and Medicare levy come to $16,120, or 20.1% of your salary. At $50,000 the low income tax offset still takes $250 off your income tax.

With a HELP or other study loan

A HELP, VSL, SFSS, SSL or TSL debt adds a compulsory repayment once your income passes $69,528, collected through the tax system. Same assumptions as above:

See the take-home pay for any other amount on the salary after tax pages, or the student loan calculator to see how long your debt will take to repay.

How we work out your take-home pay

The calculator turns whatever you enter into an annual amount, works out the year's tax on it, then divides the result back into weekly, fortnightly and monthly pay:

take-home pay = salary minus income tax (after the low income tax offset) minus Medicare levy minus any study loan repayment

2026-27 resident tax rates

From 1 July 2026 the rate on income between $18,201 and $45,000 is 15%. These are the rates the calculator applies to Australian residents for tax purposes in 2026-27:

The rates don't include the Medicare levy. See every year's rates and your marginal rate on the tax brackets page, or what the cuts mean for you with the tax cut calculator.

Low income tax offset

Residents earning up to $37,500 get the full $700 low income tax offset. It falls by 5c for each $1 above that to $325 at $45,000, then by 1.5c for each $1 until it runs out at $66,667. The ATO applies it when you lodge your return. It can bring your income tax down to nil but cannot reduce the Medicare levy, and the calculator applies it the same way.

Medicare levy and surcharge

The Medicare levy is 2% of your taxable income. Low-income earners pay less: nothing up to $28,011, then 10c for each $1 above that until the full 2% applies from $35,013. The 2026-27 low-income thresholds are not yet published, so the calculator uses these 2025-26 figures. Foreign residents and working holiday makers don't pay the levy. Check your exact levy, including the family thresholds, with the Medicare levy calculator.

If you don't have private hospital cover, turn on "No private health insurance" to add the Medicare levy surcharge. For singles in 2026-27 it starts at 1% above $105,000 and rises to 1.5% above $164,000. The calculator uses the singles thresholds and your taxable income; the Medicare levy surcharge calculator covers families and the full income test.

Super is paid on top

The super guarantee is 12% of your qualifying earnings in 2026-27 (your ordinary time earnings plus any salary you sacrifice). Your employer pays it into your super fund on top of your salary, so it is not taken out of your take-home pay: $80,000 of salary comes with $9,600 of super. From 1 July 2026, Payday Super means employers pay it with each pay rather than each quarter.

Some jobs are advertised as a package that includes super. Turn on "Income includes super" and the calculator splits it: a $89,600 package is $80,000 of salary and $9,600 of super, with the same $63,880 take-home. To see what extra contributions do, try the salary sacrifice calculator or project your balance with the super calculator.

HELP and other study loan repayments

Since 2025-26, study loan repayments only apply to income above the threshold. In 2026-27 you repay:

• nothing on repayment income up to $69,528;
• 15c for each $1 above $69,528, up to $129,717;
• $9,028 plus 17c for each $1 above $129,717;
• 10% of your total repayment income from $186,051.

On $80,000 that is $1,571 a year. The calculator uses your taxable income as your repayment income. The ATO also adds reportable fringe benefits, reportable super contributions, net investment losses and exempt foreign employment income, so your actual repayment can be higher.

Non-residents, working holiday makers and second jobs

Foreign residents pay tax from the first dollar, with no tax-free threshold, low income tax offset or Medicare levy, and working holiday makers have their own rates. Turn on the matching option to use those rates. If you have a second job and don't claim the tax-free threshold there, turn on "No tax-free threshold" to see that job's pay taxed without it.

Why your payslip tax is not exactly your annual tax

Your employer doesn't work out your tax for the year. It withholds an amount from each pay using the ATO tax tables (PAYG withholding), which include the Medicare levy and round to whole dollars. Over a year of regular pays, that comes close to the tax this calculator shows but not to the dollar. Here is fortnightly pay with the tax-free threshold claimed, on the 2026-27 tables:

"Tax for the year" is income tax after the low income tax offset plus the Medicare levy. When you lodge your return the ATO works out your actual tax on your whole year's income, deductions and offsets, and refunds anything withheld above it. Check the amount on your payslip with the tax withheld calculator, and estimate your refund with the tax return calculator.

Weekly, fortnightly and monthly pay

The calculator assumes 52 weekly, 26 fortnightly or 12 monthly pays a year. Enter a fortnightly amount and it is multiplied by 26 to get your annual salary. The results are the year's figures divided evenly, so your fortnightly take-home is exactly your annual take-home divided by 26.

• A month is not 4 weeks. $80,000 is $5,323 a month after tax, but 4 weeks of pay is only $4,914, because a year has 52 weeks and 12 months.
• Some years have 27 fortnightly pays. Depending on your payday, a year can have 53 weekly or 27 fortnightly pays. The calculator always uses 52 and 26, so in those years each pay is a little smaller than shown if your salary stays the same.
• Contractors and casuals. If you are paid by the hour or day, the contractor pay calculator converts your rate to a year using your working days, and the minimum wage page shows the casual rate.

Sources: ATO: Tax rates, Australian residents, ATO: Medicare levy, ATO: Medicare levy reduction for low-income earners, ATO: Medicare levy surcharge income thresholds and rates, ATO: Low income tax offset, ATO: Super guarantee rates, ATO: Payday Super, ATO: Study and training support loans rates and repayment thresholds, ATO: Schedule 1, statement of formulas for calculating amounts to be withheld and ATO: Fortnightly tax table. Maintained by James Crawford; last updated 22 October 2026. How our calculators work.