Take-home pay at common salaries, 2026-27
Single resident, full year, no salary sacrifice, with hospital cover (so no surcharge). Super is paid on top and not included.
| Salary | Per year | Per fortnight | Per week | Per fortnight with HELP debt |
|---|---|---|---|---|
| $50,000 | $43,730 | $1,682 | $841 | $1,682 |
| $60,000 | $50,380 | $1,938 | $969 | $1,938 |
| $70,000 | $57,080 | $2,195 | $1,098 | $2,193 |
| $80,000 | $63,880 | $2,457 | $1,228 | $2,397 |
| $90,000 | $70,680 | $2,718 | $1,359 | $2,600 |
| $100,000 | $77,480 | $2,980 | $1,490 | $2,804 |
| $120,000 | $91,080 | $3,503 | $1,752 | $3,212 |
| $150,000 | $110,430 | $4,247 | $2,124 | $3,767 |
| $200,000 | $140,130 | $5,390 | $2,695 | $4,620 |
What comes out of your pay, in order
- Salary sacrifice (if any) comes off before tax, lowering taxable income.
- Income tax on taxable income at the 2026-27 rates, less the low income tax offset (up to $700, gone by $66,667).
- Medicare levy: 2% of taxable income, reduced at low incomes.
- Medicare levy surcharge: 1% to 1.5% if you have no hospital cover and your income for surcharge purposes is over $105,000 (single). Salary sacrifice and fringe benefits are added back for this test, so packaging doesn't get you under it. More in Medicare levy vs surcharge.
- HECS/HELP: 15c per dollar of repayment income above $69,528, 17c above $129,717, and a flat 10% of the whole amount from $186,051. Salary-sacrificed super counts as repayment income, so sacrificing doesn't reduce it.
Pay rise: how much you keep
A $10,000 raise from $90,000, computed with the same engine as the calculator:
| No HELP debt | With HELP debt | |
|---|---|---|
| Take-home at $90,000 | $70,680 | $67,609 |
| Take-home at $100,000 | $77,480 | $72,909 |
| Raise kept per year | $6,800 (68%) | $5,300 (53%) |
| Per fortnight | $262 | $204 |
Every dollar of this raise falls in the 30% bracket, so tax and Medicare take 32c of each one, and HELP takes another 15c. There are no cliffs: a raise across a bracket or the HELP threshold only affects the dollars above it, so you are always ahead. The surcharge is the one exception worth checking: crossing $105,000 without hospital cover adds 1% on your whole income, which the pay rise check above flags.
Frequently asked questions
Is super included in my salary?
Usually not. Most job ads and contracts quote a base salary, and your employer pays 12% super guarantee on top. If yours is quoted as a package "including super", tick that box and the calculator splits it into base salary and super first. Super never appears in your take-home pay.
Is a bonus taxed at a higher rate than normal pay?
Not in the end. Your employer may withhold more from a bonus payment, but your tax is worked out on your full-year income at the normal marginal rates when your return is assessed. Any over-withholding comes back as a refund. Enter your salary plus the bonus to see the full-year result.
Why is my payslip different from this calculator?
The calculator shows your full-year liability divided evenly across pay periods. Payslips use ATO withholding schedules, which round per period, and HECS withholding is estimated from that one employer's pay. Differences usually wash out when your tax return is assessed.
Sources
Figures on this page come from the following primary sources. The date is when we last checked the page against the source.
- Tax rates for Australian residents (ATO), checked 27 July 2026.
- Low income tax offset (ATO), checked 27 July 2026.
- Medicare levy reduction for low-income earners (ATO), checked 27 July 2026.
- Medicare levy surcharge income thresholds and rates (ATO), checked 25 August 2026.
- Study and training support loans rates and repayment thresholds (ATO), checked 27 July 2026.
- Super guarantee (ATO), checked 27 July 2026.
- Concessional contributions cap (ATO), checked 6 August 2026.
- Reportable fringe benefits for employees (ATO), checked 25 August 2026.
Related calculators
Salary sacrifice calculator: the super trade-off in detail. HECS/HELP repayment calculator: repayments plus a payoff projection. Novated lease calculator: lease vs loan vs cash for a car.
Figures current as at 5 October 2026. Assumes a single Australian resident for the full year with no other income, deductions or offsets beyond the low income tax offset; the FY2026-27 Medicare low-income thresholds are not yet published, so FY2025-26 values are used (see our methodology). General information only, not financial advice.