Orbit
HomeDealsBlog
Resources
ToolsCancel HubSubscription DealsCompare
Get Started →

Take-Home Pay Calculator (Australia)

Enter your salary to see what actually lands in your account after income tax, the Medicare levy, HECS/HELP and super — broken down weekly, fortnightly, monthly or yearly. 2025–26 rates, free, no signup.

Your gross pay, before tax and excluding super
$
Take-home pay
$67,012
a year · $67,012 a year
Gross salary$85,000
Income tax−$16,288
Medicare levy2%−$1,700
Take-home a year$67,012
Super (paid on top)12%, not deducted from pay+$10,200
Where your pay goes
Take-home 79%Tax 19%Medicare
Estimate based on 2025–26 ATO resident rates. A guide, not tax advice — check ato.gov.au.

What comes out of your pay

The salary you’re offered is rarely what hits your bank account. In Australia, three things are taken out before you’re paid: income tax (PAYG, withheld by your employer), the Medicare levy (2% of taxable income), and, if you have a study debt, a HECS/HELP repayment. Superannuation is the exception — your employer pays it on top of your salary, so it grows your retirement savings without shrinking your take-home pay.

2025–26 income tax rates (residents)

Taxable incomeTax on this incomeRate
$0 – $18,200Nil0%
$18,201 – $45,00016c per $1 over $18,20016%
$45,001 – $135,000$4,288 + 30c per $1 over $45,00030%
$135,001 – $190,000$31,288 + 37c per $1 over $135,00037%
$190,001+$51,638 + 45c per $1 over $190,00045%

These are marginal rates plus the 2% Medicare levy. Figures are the 2025–26 resident rates; the ATO updates thresholds over time, so verify the current year at ato.gov.au. This tool is a guide, not tax advice.

Superannuation in 2025–26

The super guarantee rate is 12% in 2025–26 — the maximum under the current schedule. On an $85,000 salary that’s about $10,200 a year paid into your super fund, on top of your wage. It doesn’t reduce your take-home pay, but it’s real money working for your retirement, which is why the calculator shows it separately.

How to use this calculator

  1. Enter your annual salary — the gross figure, before tax and not including super.
  2. Tick the HECS/HELP box if you have a study or training loan.
  3. Choose whether to see your pay weekly, fortnightly, monthly or yearly.
  4. Read your take-home pay, with the tax, Medicare levy and HECS broken out — plus the super paid on top.

Frequently asked questions

How is take-home pay calculated in Australia?
Your take-home (net) pay is your gross salary minus income tax (PAYG), the 2% Medicare levy, and any HECS/HELP repayment. Superannuation is paid by your employer on top of your salary — it doesn't come out of your take-home pay. This calculator applies the 2025–26 resident tax rates to work out each of those for you.
What are the 2025–26 income tax brackets?
For Australian residents in 2025–26: $0–$18,200 is tax-free; $18,201–$45,000 is taxed at 16%; $45,001–$135,000 at 30%; $135,001–$190,000 at 37%; and anything above $190,000 at 45%. These are marginal rates — you only pay the higher rate on the portion of income inside each band.
What is the Medicare levy?
The Medicare levy is 2% of your taxable income and helps fund Australia's public health system. Low-income earners pay a reduced levy or none at all below the threshold (around $27,222 for singles in 2025–26). A separate Medicare Levy Surcharge can apply to higher earners without private hospital cover — this calculator doesn't include the surcharge.
Is superannuation included in my salary?
Usually not. Most Australian jobs quote a salary 'plus super', meaning your employer pays superannuation (12% in 2025–26) on top of your wage into your super fund. So super doesn't reduce your take-home pay. If your contract says your package is 'inclusive of super', the super is carved out of the figure instead — check your contract.
How much HECS/HELP will I repay?
From 1 July 2025, HECS/HELP moved to a marginal system: you repay a percentage only on the income above the repayment threshold (around $67,000), not on your whole salary. This calculator estimates that when you tick the HECS box, but repayment thresholds and rates are indexed each year — confirm your exact repayment with the ATO or your myGov account.
How much tax do I pay on $85,000 in Australia?
On an $85,000 salary in 2025–26, income tax is roughly $16,288 and the Medicare levy about $1,700, leaving take-home pay of around $67,000 a year (about $2,577 a fortnight) before any HECS. Your employer also pays about $10,200 of super on top. Enter your own figure above for an exact estimate.

Related tools

Compound Interest Calculator
See how your take-home savings grow over time.
Monthly vs Annual Calculator
Work out which billing option saves you more.
Cancel Any Subscription
Trim what you don't use and keep more of your pay.

Know your take-home. Now make sure it’s not leaking.

Orbit finds every subscription quietly draining your account and puts them in one place — so more of your pay stays yours.

Try Orbit free