Take-home pay, from the award rate to the payslip

One calculator for the minimum award rate, the tax on that pay, and a check of the payslip. Australian rates for 2026–27 and 2025–26. No account.

1 · Award Compare an hourly rate with the minimum for the hours you worked. 2 · Take-home Turn that pay into tax, Medicare, HELP and cash in hand. 3 · Payslip Check the tax withheld and the 12% super on a real pay.

Pay

Amount This amount is Tax year

Tax

Residency Medicare levy

Claim the tax-free threshold on the TFN declaration Private hospital cover for the whole year HELP, VSL or another study and training loan

Claiming the tax-free threshold changes the estimate of tax withheld. A resident’s year-end tax still includes the threshold. Foreign residents and working holiday makers do not get it, and they do not pay the Medicare levy.

Super

Super guarantee Salary sacrifice per year

Family, fringe benefits and losses

I have a spouse or a dependent child

Spouse’s income for the year Dependent children Reportable fringe benefits Net investment loss Exempt foreign employment income

Spouse income is used for the family Medicare levy and the Medicare levy surcharge test. Reportable fringe benefits, investment losses, salary sacrifice and exempt foreign employment income are added to HELP repayment income.

Take-home pay · 2026–27

$70,680

$5,890.00 a month · $1,359.23 a week

Cash pay, after salary sacrifice	$90,000.00
Income tax	$17,520.00
Medicare levy	$1,800.00
Medicare levy surcharge	$0.00 · hospital cover
HELP / study loan	Not included
Super guarantee	$10,800.00
Total into super	$10,800.00
Effective rate	21.5%
Marginal rate	32.0%

Monthly payslip withholding estimate: $1,612

That is the ATO PAYG formula (Scale 2) on $7,500.00 gross, about $19,344 a year. Take-home above is the year-end tax, Medicare and HELP. Withholding is what a payslip usually takes out, and the two are not the same number.

Payday Super started on 1 July 2026: the 12% is due with each pay, not quarterly.

Last checked 22 October 2026. Sources and methodology

Check a payslip Check the award minimum

Questions

Does this match the tax withheld on my payslip?

The large take-home figure is year-end tax, the Medicare levy and any HELP repayment. A payslip uses the ATO withholding formula, which is close but not identical. The result shows both, and the payslip checker tests a real pay against the formula.

Which tax years are included?

2026–27 and 2025–26. Resident tax in 2026–27 uses 15% between $18,201 and $45,000. In 2025–26 that rate is 16%.

Is the super guarantee included in take-home pay?

No. Take-home is cash after tax. Super at 12% is shown beside it, either on top of the salary or taken out of a package that already includes super.

Do you store what I type?

No. The calculation runs in the browser. A result link keeps the inputs in the address bar and nothing is saved on a server.

Figures last checked 22 October 2026. How the numbers are worked out.