Compute Australian take-home for 2026-27.
Net annual take-home
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Income tax
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Medicare Levy
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HECS-HELP
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Your breakdown
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Worked example
Take a resident on a $90,000 salary in 2026-27 with no study debt. PAYG income tax on $90,000 is $17,788, using the Stage 3 bands of 16 percent from $18,201 to $45,000 and 30 percent from $45,001 to $90,000. The Medicare Levy is 2 percent of the full $90,000, which is $1,800, because this income sits above the upper phase-in threshold of $34,027. Subtracting both from salary leaves a net annual take-home of $70,412, or about $5,868 a month. Note that the 12 percent Super Guarantee is paid by the employer on top of salary, so it never appears as a deduction here.
How it is calculated
Take-home pay starts from gross salary and subtracts three things. First is progressive income tax across the Stage 3 bands, where each slice of income is taxed only at its own band rate. Second is the Medicare Levy of 2 percent, which is zero below $27,222, phases in between $27,222 and $34,027, and applies to the whole income above that. Third, if you tick the box, is the compulsory HECS-HELP repayment, charged as a percentage of your income once you pass the first repayment threshold. The remainder is your net pay, shown both annually and monthly. Super is excluded by design because the Super Guarantee is an employer cost paid above your salary, not a deduction from it.