Australian Salary Calculator
ATO-accurate · HECS/HELP · Super · Resident & Non-Resident
Income Details
Options
HECS / HELP Debt
Compulsory student loan repayments
Private Health Cover
Avoids Medicare Levy Surcharge (>$97K)
Salary sacrifice, novated lease etc.
Rental income, investments etc.
Pay Period Breakdown
| Component | Weekly | Fortnightly | Monthly | Annual |
|---|---|---|---|---|
| Gross Salary | $0 | $0 | $0 | $0 |
| Income Tax | −$0 | −$0 | −$0 | −$0 |
| Medicare Levy (2%) | −$0 | −$0 | −$0 | −$0 |
| Take-Home Pay | $0 | $0 | $0 | $0 |
| Super (12%) | +$0 | +$0 | +$0 | +$0 |
Annual Breakdown
Tax Rates
Tax Brackets
$0 – $18,200
0%
$18,201 – $45,000
16%
$45,001 – $135,000
30%
$135,001 – $190,000
37%
$190,001+
45%
Super Guarantee Rates
- FY 2023–24: 11% SGC (employer minimum).
- FY 2024–25: 11.5% (from 1 Jul 2024).
- FY 2025–26: 12% — final legislated increase.
- Max contribution base 2025-26: $62,500/quarter.
Stage 3 Tax Cuts
- Effective 1 Jul 2024 (FY 2024-25 onwards).
- 19% → 16% for $18,201–$45,000.
- 32.5% → 30% for $45,001–$135,000.
- 37% bracket extended from $180K to $190K.
Medicare & HECS
- Medicare Levy: 2% (shade-in below $27,222).
- MLS 1%–1.5% applies if no private health & income >$97K.
- HECS threshold 2024-25: $54,435 (1%–10%).
- LITO: up to $700 offset for incomes up to $66,667.
Disclaimer: Results are estimates based on ATO PAYG tax tables for Australian residents. Medicare Levy Surcharge is only applied when "Private Health Cover" is toggled off and income exceeds $97,000. LMITO ceased from 1 July 2022. Always verify with a registered tax agent or the ATO.
Understanding Your Australian Take-Home Pay
The Australian tax system uses a progressive rate structure where higher portions of your income are taxed at higher rates. For the 2024-25 financial year, the tax brackets range from 0% on the first $18,200 (the tax-free threshold) up to 45% for income over $190,000. Our calculator uses the latest ATO rates to compute your exact income tax, Medicare levy, and HECS/HELP repayments.
Superannuation is another key factor — employers are required to contribute a percentage of your ordinary earnings (currently 11.5%) into your super fund. Our calculator factors this in along with salary sacrifice arrangements, giving you a complete picture of your total remuneration package versus your actual take-home pay.
HECS/HELP, Medicare Levy & Offsets
If you have a HECS-HELP or VETSL loan, compulsory repayments are calculated based on your repayment income. The repayment rates start at 1% for incomes above $54,435 and increase progressively. Our calculator includes the latest repayment thresholds so you can see exactly how much will be deducted.
The Medicare levy is generally 2% of your taxable income. Low-income earners may be eligible for a reduction or exemption. The Low and Middle Income Tax Offset (LMITO) provides additional relief for qualifying taxpayers. All of these factors are incorporated into our calculation engine for maximum accuracy.
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