Take-home pay

Take-home pay calculator

See what is left from an Australian salary after income tax and the Medicare levy, from a weekly amount through to the year.

Use the calculator

Gross pay and the amount you keep

Take-home pay is cash salary minus income tax, the Medicare levy and any HELP repayment you switch on. Super is not part of that figure. It is paid into a fund on top of ordinary earnings.

$90,000 after tax

On $90,000 the estimate is $17,520.00 in income tax and $1,800.00 in Medicare levy. Net pay is $70,680.00 for the year. The weekly withholding estimate is not always the annual net divided by 52, because pay-as-you-go formulas round differently from the year-end return.

$90,000 take-home estimate
ItemEstimate
Gross for the year$90,000.00
Income tax$17,520.00
Medicare levy$1,800.00
HELP / HECS$0.00
Net for the year$70,680.00
Net per month$5,888.00
Net per fortnight$2,717.54
Net per week$1,358.77
Ordinary hourly rate$45.55
Employer super$10,800.00
Effective tax rate21.47%
Marginal rate30%

Estimates for an Australian resident who claims the tax-free threshold. Employer super is 12% on top of ordinary earnings unless you mark the salary as including super. Full-time hours are 38 a week across 52 weeks, with no overtime. HELP is included only when that option is on. Weekly, fortnightly and monthly nets follow ATO withholding, so they can differ from the annual net split evenly. This is not personal tax advice.

Step 1 · Income

Your income

Select a preset or enter an amount. Results update automatically.

How are you paid?
Overtime (optional)

Uses your ordinary hourly rate × loading. Added to taxable pay; not counted toward employer super (OTE). Check overtime rates in your Fair Work award.

Step 2 · Circumstances

Take-home$1,358.77/ weekly
Details

FAQ

Common questions

Estimates only. Your notice of assessment and payslip are the official figures.

What is the difference between gross and net salary?

Gross is pay before tax. Net, or take-home pay, is what remains after income tax, the Medicare levy and any HELP repayment. Employer super is usually paid on top and is not part of take-home pay.

Does take-home pay include super?

No. Super sits in a fund, not in your bank account. This calculator shows it separately unless the salary you entered already includes super.

Why does my payslip differ from the calculator?

Payroll uses ATO withholding schedules, and your employer may have a different tax-free threshold claim, study-loan flag, salary sacrifice or deductions. Use the result for planning, then compare it with your payslip.