Australian salary calculator • 2026–27

What will I actually take home?

Estimate your Australian take-home pay after income tax, Medicare levy and HELP/HECS repayments. You can also account for salary packages that include super and salary sacrifice.

Your salary

Enter the annual figure quoted in your employment offer.
If your contract says "$100,000 + super", choose No. If it says "$100,000 including super", choose Yes.
Optional pre-tax salary sacrificed to super. This reduces taxable income, but can affect HELP repayment income.
Super is not normally a deduction from your salary. The 12% Super Guarantee is generally paid by your employer on top of salary. If your quoted package includes super, the calculator backs the super out before calculating tax. citeturn0search0turn0search1

Your estimated take-home pay

Annual take-home pay
$0
Monthly
$0
Fortnightly
$0
Weekly
$0
Income tax
$0
Medicare levy
$0
HELP/HECS
$0
Employer super
$0

Pay breakdown

ItemAnnual amount
Gross salary used for tax$0
Salary sacrifice to super$0
Taxable income$0
Income tax$0
Medicare levy$0
HELP/HECS repayment$0
Take-home pay$0
Employer super contribution$0
Total package value$0

What can you afford on this salary?

Now that you know your estimated take-home pay, see what you could comfortably afford based on your income, debts and living expenses.

What Can I Afford on This Salary? → Debt Snowball Calculator →

Important information

This calculator is an estimate for budgeting and planning only. It assumes an Australian resident using 2026–27 resident tax rates and does not model every deduction, tax offset, Medicare levy surcharge circumstance, fringe benefit, foreign income or other individual tax circumstance. HELP/HECS repayment income has additional rules. Salary-sacrificed super can also affect repayment income. Employer super is shown separately because it is generally paid into your super fund rather than your bank account. Check the ATO or seek professional advice for an individual calculation.

How is take-home pay calculated in Australia?

Your take-home pay is the amount of money you have available after deductions from your gross income.

For most Australian employees, the main deductions are income tax and the Medicare levy. Your employer generally withholds tax from your salary throughout the year and pays it to the Australian Taxation Office (ATO) on your behalf.

The amount of tax you pay depends on your taxable income and the applicable Australian income tax rates.

Because Australian income tax is progressive, you don't pay the highest tax rate on your entire salary. Instead, different portions of your taxable income are taxed at different rates.

That's why knowing your gross salary doesn't immediately tell you how much money you'll have available to spend.

Our calculator gives you a simple estimate of your after-tax income so you can start planning your household budget.

What is my take-home pay?

Your take-home pay depends on your gross salary and your individual circumstances.

For example, someone earning $100,000 a year doesn't receive $100,000 in their bank account. A portion of their income goes towards income tax and the Medicare levy, leaving them with a lower amount to spend, save or invest.

The same principle applies at every salary level.

Knowing your estimated take-home pay is useful when you're:

The most useful number isn't necessarily your annual salary.

It's the amount you actually have available to live on.

What can I afford on my salary?

Knowing your take-home pay is only the first step.

The more important question is:

What can I actually afford?

Your salary needs to cover much more than tax. You may have rent or mortgage payments, groceries, utilities, transport, insurance, debt repayments, entertainment, savings and other household expenses.

That's why we created our How Much Can I Afford? calculator.

Once you've calculated your take-home pay, you can use your income to estimate a comfortable housing budget and see how much you may be able to afford based on your household income, debts, living expenses and deposit.

How much of my income should I spend on housing?

Housing is usually one of the biggest expenses in an Australian household budget.

A commonly used budgeting guideline is to keep housing costs around 30% of household income, although the right amount depends on your income, debts, family circumstances, location and other expenses.

For some households, spending 30% of income on housing may be comfortable. For others, it may leave too little money for everyday expenses and savings.

Rather than relying on a single percentage, it's useful to look at your whole household budget.

That's why our affordability calculator considers your income alongside your existing debts and living expenses.

Recommended monthly housing spend by salary

The following table gives some examples of recommended, comfortable monthly spend on housing (rent or mortgage) based on about 30% of household income, with a minimum buffer for living expenses:

Gross Annual Salary Recommended Monthly Spend on Housing
$80,000 $1,291
$100,000 $1,937
$120,000 $2,277
$140,000 $2,608
$160,000 $2,913
$180,000 $3,218

Important information about our calculators

The results provided by What Can I Afford? are estimates for budgeting and planning purposes only.

Your actual take-home pay can vary depending on your individual circumstances, including deductions, salary packaging, HELP/HECS debt, private health insurance, Medicare levy surcharge, tax offsets and other factors.

Similarly, our affordability estimates are not a guarantee that a bank or other lender will approve a particular loan.

Before making significant financial decisions, consider obtaining professional financial or lending advice appropriate to your circumstances.

Our calculators are designed to give you a useful starting point for understanding your numbers.