Australian Take Home
Pay Calculator

Precise, ATO-compliant calculations you can rely on — updated every financial year.

Your Income
$
Options
Include Superannuation
12% SG included in package — e.g. $112K salary = $100K base salary + $12K super
Private Health Insurance
Avoids Medicare Levy Surcharge
Pro-rata / Part-time Hours
Scale salary by actual hours worked
Dividend Income
Australian franked dividends & imputation credits
$
Franking credits are a refundable tax offset — if they exceed your tax liability, you receive a cash refund from the ATO. This differs from LITO, which is non-refundable.
Your Results
Take Home Pay
$0
per year
⏱ Pro-rata applied — effective salary:
Gross Income
Income Tax
Medicare Levy
LITO Offset (non-refundable)
Net Take Home
Super (SG 12%)
Take Home % Tax %
Effective Rate
Marginal Rate
Super p.a.

Frequently Asked Questions

Real take home pay scenarios for Australian workers — 2025–26 ATO rates

A Melbourne registered nurse on $87,000 takes home approximately $68,372 per year ($5,698 per month) after $16,888 in income tax and $1,740 in Medicare levy. Your employer also contributes $10,440 in superannuation (12% SG) on top of your salary — this does not come out of your take home. Public hospital nurses in Melbourne can salary package up to $9,010 tax-free each year, which can add $3,000–5,000 to your take home depending on your situation. Use the calculator above to enter your exact salary and hours. Source: ATO 2025–26 resident tax rates · ato.gov.au
A Sydney teacher on $95,000 gross salary takes home approximately $73,812 per year ($6,151 per month). Income tax is $19,288 and Medicare levy is $1,900. Your $11,400 superannuation is paid separately by your employer on top of your salary — it does not reduce your take home pay. NSW Department of Education employees can access salary packaging for laptops and professional development, which reduces taxable income and increases take home slightly. Toggle the pay frequency to Monthly in the calculator above to see your exact fortnightly or monthly figure. Source: ATO 2025–26 resident tax rates · ato.gov.au
On $130,000 gross, a Perth FIFO worker takes home approximately $97,612 per year — that is $1,877 per week or $3,754 per fortnight. Income tax on this salary is $29,788 and Medicare levy is $2,600. Your superannuation at 12% ($15,600) is paid on top by your employer. Important note: FIFO site allowances and zone tax offsets may affect your actual tax position — consult a registered tax agent for your specific situation. Use the calculator above and select your pay frequency to see weekly or fortnightly figures. Source: ATO 2025–26 resident tax rates · ato.gov.au
Working 3 days (22.8 hours) of a standard 38-hour week gives you a pro-rata annual salary of $42,000. On this amount, your Adelaide take home is approximately $37,827 per year ($3,152 per month). You will pay $3,808 in income tax, reduced to $3,333 after the Low Income Tax Offset (LITO) of $475, plus $840 in Medicare levy. Your employer contributes $5,040 in superannuation (12% SG) on top. Use the Pro-rata toggle in the calculator above — enter 22.8 hours weekly and your full-time salary to calculate this automatically. Source: ATO 2025–26 resident tax rates · ato.gov.au
Working Holiday Makers (WHM) in Tasmania — and all of Australia — are taxed at a flat 15% on the first $45,000 earned each year. There is no tax-free threshold for working holiday makers. On $35,000 in seasonal earnings, you would pay $5,250 in tax and take home $29,750. Unlike Australian residents, working holiday makers do not pay the Medicare levy. Your employer still contributes 12% superannuation ($4,200) on your behalf, which you can claim back as a Departing Australia Superannuation Payment (DASP) when you leave. Select “Working Holiday Maker” under Residency Status in the calculator above. Source: ATO working holiday maker tax rates 2025–26 · ato.gov.au

This calculator is for general guidance only and uses ATO 2025–26 resident tax rates, standard LITO, and 2% Medicare levy.
Superannuation rate is 12% (effective 1 July 2025). It does not constitute financial or tax advice. Consult a registered tax agent for your personal situation.