Pay Calculator Australia 2026–27
Australian take-home pay for 2026–27 from an annual, monthly, fortnightly, weekly or hourly salary — super included or on top, salary sacrifice, HECS-HELP, tax-free threshold and Medicare levy surcharge — per fortnight, month and week with hourly rates.
| Gross salary (excl. super) | — |
|---|---|
| Employer super (12%) | — |
| Salary sacrifice | — |
| Taxable income | — |
| Income tax (after LITO) | — |
| Medicare levy (+ surcharge) | — |
| HECS-HELP | — |
| Take-home: year / month / fortnight / week | — |
| Hourly rates (gross / net) | — |
| Total package (salary + super) | — |
| Marginal rate on your next $1,000 | — |
In short
Australian take-home pay in 2026–27 is salary less income tax (15/30/37/45% above $18,200, less LITO), the 2% Medicare levy and any HECS-HELP repayment; employer super of 12% is paid on top unless the package includes it. An $85,000 salary nets about $67,280 a year or $2,588 a fortnight ($2,498 with a HECS debt) plus $10,200 of super. Salary sacrifice to super is taxed at 15% instead of your marginal rate within the $32,500 concessional cap.
Who this is for: Australian employees checking fortnightly take-home pay, job offers and salary sacrifice.
From salary to take-home in 2026–27
- Super on top: most Australian salaries are quoted excluding super; the employer adds 12%. If your package "includes super", divide by 1.12 for the cash salary.
- Deductions from pay: income tax at the 2026–27 rates (less LITO), the 2% Medicare levy, HELP repayments if you have a debt, and any salary sacrifice.
- Typical outcomes: $60,000 → about $50,400 net (84%); $85,000 → about $67,300 (79%); $120,000 → about $91,100 (76%); $200,000 → about $140,100 (70%), all before HELP.
- Fortnightly pay is the norm; 26.07 fortnights a year means some years have 27 pays.
- Levers: salary sacrifice to super (15% tax instead of up to 47%), a novated lease on an EV (FBT-exempt), and claiming work deductions at tax time.
Assumptions
- Salary converted to annual (hourly × hours × 52); package ÷ 1.12 when super is included.
- Taxable income = salary − salary sacrifice; tax at 2026–27 rates (no tax-free threshold if not claimed), LITO, Medicare levy and surcharge, HELP.
- Marginal rate measured on the next $1,000; super guarantee at the rate entered.
Worked example
Employer super $10,200 on top. Income tax $16,020; Medicare levy $1,700; HELP 15% × ($85,000 − $69,528) = $2,321. Take-home $64,959 a year — $2,498 a fortnight, $5,413 a month, $1,249 a week, or about $32.87 net an hour on 38 hours (gross $43.02). Total package $95,200. Each extra $1,000 is taxed at 47% (30% + 2% + 15% HELP), so you keep $530.
Frequently asked questions
How much is $85,000 after tax in Australia?
About $67,280 a year ($2,588 a fortnight) in 2026–27 after income tax and Medicare levy — or about $64,960 with a HECS-HELP debt — plus $10,200 of employer super on top.
Is super included in my salary?
Usually not — super guarantee (12%) is paid on top of the quoted salary unless the job says "package including super".
Why is my fortnightly pay different from the calculator?
Employers withhold using ATO tables that round and ignore LITO and deductions; the difference is settled when you lodge your return.
How much should I salary sacrifice?
Up to the $32,500 concessional cap including employer super; the saving is your marginal rate minus 15% — biggest above $45,000.
How many pay periods are there?
26 fortnights or 12 months in a normal year; a 27-fortnight year happens roughly every 11 years and can push extra tax withheld.
Is overtime taxed more?
No — it is just more income taxed at your marginal rate, though withholding on a big pay can look high and settles at tax time.
People also ask
How do I calculate my take-home pay in Australia?
Gross pay minus income tax at 2026–27 rates (with LITO), the 2% Medicare levy and any HECS repayment or salary sacrifice; super is paid on top by the employer, not deducted.
Is superannuation included in my salary?
Only if the offer says 'including super'; otherwise the employer adds 12% on top of the base salary.
What is $100,000 a year after tax?
About $77,000 take-home (roughly $6,400 a month) after income tax and Medicare, before HECS.
How much is $35 an hour annually?
$69,160 for a 38-hour week over 52 weeks, before tax — about $56,500 after tax.
Why does my fortnightly pay differ from the annual ÷ 26?
Employers withhold using ATO schedules that round and assume a full year; small differences wash out at tax time.
Does casual loading get taxed?
Yes — the 25% loading is ordinary income and taxed normally, and super is paid on it.
Is annual leave loading taxed?
Yes, as ordinary income; the old $320 tax-free threshold for loading was removed.
What is the Medicare levy surcharge?
An extra 1–1.5% of income for singles earning over $105,000 (families $210,000) without private hospital cover in 2026–27.
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