Your real take-home pay — then a savings budget that puts the leftover to work.
Pop in your salary and we’ll do the full Australian tax stack — income tax, the 2% Medicare levy, HECS/HELP, super and any salary sacrifice — to land on the one number that matters: what hits your bank account each pay. Then we split it into a 50/30/20 budget so your surplus has somewhere to go. Everything runs right here in your browser; your pay never leaves your screen.
Trying to work out your take-home pay on a $90,000 salary, or what a pay rise actually adds to your bank account? This free take-home pay calculator does the whole Australian tax stack the way the ATO does — income tax at the right financial-year brackets, the 2% Medicare levy with its low-income phase-in, your HECS/HELP repayment under the new marginal system, the 12% super guarantee, and any salary sacrifice — then shows your net pay per week, fortnight, month and year. It’s a proper salary calculator for Australia, but with two things the big pay calculators leave out: an integrated savings and budget layer (a 50/30/20 split with a savings rate and emergency-fund milestones) and the withheld-vs-actual picture that finally explains why your tax refund is the size it is. Bring some share sales along and we’ll even stack the capital gain on top of your salary, so you see the real combined tax bill. No signup, nothing uploaded.
This runs entirely in your browser — your salary, HECS balance and any share transactions never leave your device. Nothing is uploaded, stored or seen by us.
Your headline salary before tax. Toggle below if it already includes super.
On = the figure is a package; we back out the 12% super.
Adds the marginal HELP/STSL repayment.
On = no Medicare levy surcharge.
For the Medicare levy surcharge income test.
Pre-tax super — lowers your tax but not your HELP/MLS income.
E.g. a novated lease — reduces taxable income.
Raises the family surcharge thresholds after the first child.
Enter your gross salary — try $90,000 — pick your financial year, and toggle on HECS/HELP if you have a debt. Your take-home pay and budget update live as you type. Nothing is saved or sent anywhere.
Here’s the recipe, in plain English — gross to net, every figure traced to the ATO rule it comes from, so you can check our working before you trust your budget to it.
Start from your gross and apply the income-tax brackets
We take your gross salary and run it through the resident income-tax brackets for the financial year you choose — including the legislated cuts (16%→15% on 1 July 2026, →14% on 1 July 2027). Tax is worked out bracket by bracket, so only the slice of income inside each band is taxed at that band’s rate, exactly as the ATO calculates it.
Add the 2% Medicare levy (with the low-income phase-in)
On top of income tax we add the 2% Medicare levy. Below the low-income threshold the levy is reduced or nil and phases in gradually rather than switching on at a cliff, so low earners aren’t over-charged. We handle that phase-in for you using the current-year thresholds.
Work out your HECS/HELP repayment the new marginal way
From FY2025-26 HELP/HECS uses a marginal system: you pay nothing below the threshold (~$67,000), then a set rate only on the income above each tier, capped at 10% of your repayment income — not the old “whole-income” percentage. Repayment income is your taxable income plus reportable fringe benefits, reportable super and net investment losses, which is why salary sacrifice doesn’t shrink it. We compute the repayment on that basis.
Take out super and any salary sacrifice
Super guarantee is 12% from 1 July 2025 — we show it as employer contributions on top of (or included in) your package depending on how you enter it. Salary sacrifice into super is deducted before income tax, so it lowers your taxable income and your tax, but it’s still counted in your HELP repayment income and Medicare levy surcharge income (reportable super counts) — a trap we get right rather than skip.
Land on your net take-home pay, per pay cycle
Gross minus income tax, minus Medicare, minus HELP, minus any pre-tax deductions equals your net pay. We divide it across weekly, fortnightly, monthly and annual views so the figure matches your actual payslip and you can plan against the cycle you’re paid on.
Show withheld vs actual, so your refund makes sense
Your employer’s PAYG withholding each pay isn’t the same as your final annual liability: the Low Income Tax Offset (LITO) is applied at assessment, not in withholding, and the STSL/HELP withholding tables differ from the annual marginal formula. We show both numbers side by side, so the gap — your likely refund or top-up — finally has an explanation no other pay calculator gives you.
Split the net pay into a savings budget
We pour your take-home into an editable 50/30/20 budget — needs, wants, savings — and surface your savings rate and an emergency-fund milestone (3 and 6 months of needs). Your monthly surplus then bridges straight to our investing tools, so the money you don’t spend has somewhere to grow.
Stack share capital gains on top of your salary
Add your share buy and sell parcels and we stack the net capital gain on top of your salary at the correct marginal rate — catching bracket crossings, the extra HELP repayment a gain triggers, and any Medicare levy surcharge tier change. It’s the combined salary-plus-CGT tax picture no standalone calculator shows. General information only — not tax or financial advice.
On a $90,000 salary, income tax is worked out bracket by bracket — only the income inside each band is taxed at that band’s rate — and then the 2% Medicare levy is added on top, with the Low Income Tax Offset applied at assessment. If you have a HECS/HELP debt, a marginal repayment is added as well. This income tax calculator for Australia runs the full stack for the financial year you pick and shows your take-home pay per week, fortnight, month and year, so you see the actual cash in your account, not just the headline rate.
Take-home pay is your gross salary minus income tax, the Medicare levy, any HECS/HELP repayment and any pre-tax deductions like salary sacrifice. On $100,000 the biggest pieces are income tax and the 2% levy; a HELP debt trims it further. Enter $100,000 into the take-home pay calculator and we show the net figure broken down by pay cycle, plus exactly where each dollar of tax went — then split the take-home into a savings budget so you can see what you can comfortably put away.
It comes down to withheld versus actual. Your employer withholds PAYG tax each pay using rounded tables, but a few things are only settled when you lodge: the Low Income Tax Offset is applied at assessment (not in withholding), HELP/STSL is withheld on different tables to the annual marginal formula, and any extra income, deductions or capital gains shift your final liability. We show your withheld total next to your actual annual liability side by side — the gap is your likely refund or top-up — which is the question no other pay calculator answers.
From FY2025-26, HELP/HECS uses a marginal system: nothing is repaid below the threshold (around $67,000), then a set percentage applies only to the income above each tier, capped at 10% of your repayment income — much gentler than the old system that charged a flat percentage on your whole income. Repayment income is your taxable income plus reportable fringe benefits, reportable super and net investment losses. Our HECS repayment calculator (it works for any HELP loan) computes this for the financial year you select, so you can see the repayment baked into your take-home pay.
This is the trap most calculators get wrong. Salary sacrificing into super lowers your taxable income and your income tax — but it does NOT lower your HELP repayment income, because reportable employer super contributions are added back when your repayment income is worked out. The same applies to your Medicare levy surcharge income. So sacrificing can cut your tax while leaving your HECS/HELP repayment unchanged. We model it correctly: your tax drops, your HELP repayment is calculated on the added-back figure.
The 50/30/20 rule splits your take-home pay into 50% needs (rent, bills, groceries), 30% wants (eating out, subscriptions, fun) and 20% savings. We take your net pay straight from the tax calculation and pour it into that split per pay cycle — it’s fully editable, so you can dial savings up or down and watch your savings rate move. We also track an emergency-fund milestone (3 and 6 months of your “needs”). It turns a pay calculator into a pay-calculator-plus-budget in one screen.
A net capital gain isn’t taxed at a separate rate — it stacks on top of your salary and is taxed at your marginal bracket, which can push part of it into a higher band (a bracket crossing standalone CGT tools miss when you guess your rate). It can also lift your HELP repayment income and tip you into a Medicare levy surcharge tier. Add your share buy and sell parcels and we show how much the gain adds to your tax and how much it trims from your take-home — the combined salary-plus-CGT picture, all calculated in your browser. General information only, not tax advice.
Completely private and completely free. Every figure — your salary, your HELP balance, even any share transactions or broker CSVs — is calculated right in your browser and never uploaded, stored or seen by us. There’s no login, no email wall, no broker credentials. Close the tab and it’s gone. That privacy is the whole point: leader-grade net-pay accuracy and a budgeting layer without handing over your pay details.
