Australia Pay Calculator 2026–27: Take-Home Pay
Estimate your 2026–27 take-home pay in Australia per year, month, fortnight or week after income tax and the Medicare levy, with salary sacrifice and HELP.
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About the Australia Pay Calculator
The Australia Pay Calculator estimates your take-home pay for the 2026–27 income year (1 July 2026 to 30 June 2027). Enter your gross salary per year, month, 4 weeks, fortnight or week and choose which period to show. The result gives net pay per year, per month and per pay period, your total deductions and their share of your pay, and a breakdown of every line taken from your salary.
The lines are resident income tax, the low income tax offset, the Medicare levy and, if you choose "Has a study loan", the HELP compulsory repayment. The employer's super guarantee appears as an information row marked "not deducted". For a closer look at how each tax is worked out, open the Australian Tax Calculator.
Pay per month, fortnight and week
Annual figure divided by the periods
The calculator works out the tax for the whole year and then divides net pay by 12 for a month, 26 for a fortnight and 52 for a week, rounding to the cent. Entering 5,000 a month gives the same annual result as entering 60,000 a year.
Salary sacrifice into super
Pre-tax contribution
Enter a salary sacrifice as a percentage of gross pay in Salary sacrifice into super (% of gross). It is paid into super before tax, so it lowers taxable income for income tax, the low income tax offset and the Medicare levy. It does not lower the study loan repayment, because HELP repayment income adds reportable super contributions back.
The 2026–27 rates in brief
Income tax, offset and Medicare
Income tax is 0% up to 18,200, then 15%, 30% from 45,000, 37% from 135,000 and 45% from 190,000. The low income tax offset is up to 700, phased out between 37,500 and 66,667. The Medicare levy is 2% of taxable income, with no levy at or below 28,011 for a single person.
Worked example
60,000 a year
Income tax is 4,020 + 15,000 × 30% = 8,520.00, less an offset of 325 − 15,000 × 1.5% = 100.00, so 8,420.00. The Medicare levy is 1,200.00. Net pay is 50,380.00 a year: 4,198.33 a month, 1,937.69 a fortnight and 968.85 a week.
100,000 with a 10% salary sacrifice and a study loan
The sacrifice is 10,000.00, so taxable income is 90,000: income tax 17,520.00 and Medicare levy 1,800.00. The study loan repayment stays at 4,570.80 on the full 100,000, and net pay is 66,109.20 a year.
What the estimate leaves out
It assumes an Australian resident for the full year, claiming the tax-free threshold from this one employer, with no other income. It leaves out the Medicare levy surcharge, family Medicare thresholds, work-related deductions including the announced 1,000 instant deduction, a second job, bonuses and lump sums. Payslips use the ATO withholding schedules for each pay, so they can differ by a few dollars from this annual estimate.
Sources: the ATO pages on tax rates, the low income tax offset, the Medicare levy, study loan repayments and the super guarantee, and the 2025 amending Act on legislation.gov.au, all linked under the result.
Edit and reset the rates
Every band rate, the offset reduction rates and the Medicare rates can be edited in the Tax rates panel, and an edited field is marked "Edited". Reset to 2026–27 defaults restores them.
Privacy
Nothing is uploaded; every calculation runs in your browser and never leaves your device. Your salary and the rates you enter are not stored or sent anywhere.
Related tools
Compare your pay with other countries in the Net Salary Calculator, or turn an hourly rate into gross pay with the Gross Pay Calculator.
Frequently asked questions
What is take-home pay on 60,000 in Australia?
In 2026–27, income tax after the low income tax offset is 8,420.00 and the Medicare levy 1,200.00, so take-home pay is 50,380.00 a year: 4,198.33 a month, 1,937.69 a fortnight or 968.85 a week.
How is fortnightly pay worked out?
The calculator works out the tax for the whole year and divides net pay by 26 for a fortnight, 12 for a month and 52 for a week, rounded to the cent. You can enter your salary for any of those periods.
Does salary sacrifice into super lower my tax?
Yes. A salary sacrifice lowers taxable income, so it lowers income tax and the Medicare levy and can raise the low income tax offset. It does not lower a HELP repayment, because repayment income adds reportable super contributions back.
Is the super guarantee taken from my pay?
No. The 12% super guarantee is paid by your employer on top of your salary. The calculator shows it as an information row marked not deducted, and it does not change your take-home pay.
Does the calculator include the 1,000 instant tax deduction?
No. The 1,000 instant deduction for work-related expenses announced for 2026–27 is claimed in your tax return, not taken from pay, so it is left out together with other work-related deductions.
Who is the estimate for?
An Australian resident for the full year who claims the tax-free threshold from one employer, has no other income and uses the single person's Medicare thresholds. Non-residents, working holiday makers and second jobs are not covered.