Pay calculator Australia for salary, hourly rates, HECS, Medicare and super

From 1 July 2026, the tax rate on resident taxable income between $18,201 and $45,000 drops from 16% to 15%. For incomes above $45,000, that is worth up to $268 per year before other circumstances.

Yes. PayClock uses the ATO's marginal HELP/STSL repayment method. The 2025-26 table is final. The 2026-27 HELP thresholds are labelled as estimated until the final ATO table is published.

Start with annual gross salary, subtract estimated income tax, Medicare levy, HELP/HECS repayments if relevant, salary sacrifice and any other selected deductions. PayClock does this across annual, monthly, fortnightly, weekly, daily and hourly views.

It depends on your taxable income, residency, tax year, Medicare settings and HELP/HECS debt. Enter your salary in PayClock to see estimated income tax, Medicare levy, HELP repayment and take-home pay side by side.

Using PayClock's 2026-27 resident estimate, $100,000 with HELP/HECS debt reduces take-home pay by about $4,571 per year, or about $87.90 per week, compared with the same salary and no HELP debt.

For a resident in 2026-27 with no HECS/HELP debt and standard Medicare levy, $60,000 is about $50,380 take-home pay per year. That is about $4,198.33 monthly, $1,937.69 fortnightly or $968.85 weekly.

For a resident in 2026-27 with no HECS/HELP debt and standard Medicare levy, $70,000 is about $57,080 take-home pay per year. That is about $4,756.67 monthly, $2,195.38 fortnightly or $1,097.69 weekly.

For a resident in 2026-27 with no HECS/HELP debt and standard Medicare levy, $75,000 is about $60,480 take-home pay per year. That is about $5,040.00 monthly, $2,326.15 fortnightly or $1,163.08 weekly.

For a resident in 2026-27 with no HECS/HELP debt and standard Medicare levy, $80,000 is about $63,880 take-home pay per year. That is about $5,323.33 monthly, $2,456.92 fortnightly or $1,228.46 weekly. The salary sits in the 30% tax bracket, with about 20.2% paid in tax and Medicare.

Using the standard 2026-27 resident settings, $80,000 a year is about $2,456.92 per fortnight after tax and Medicare. The yearly take-home estimate is about $63,880.

For a resident in 2026-27 with no HECS/HELP debt and standard Medicare levy, $90,000 is about $70,680 take-home pay per year. That is about $5,890.00 monthly, $2,718.46 fortnightly or $1,359.23 weekly.

For a resident in 2026-27 with no HECS/HELP debt and standard Medicare levy, $100,000 is about $77,480 take-home pay per year. That is about $6,456.67 monthly, $2,980.00 fortnightly or $1,490.00 weekly. The salary sits in the 30% tax bracket, with about 22.5% paid in tax and Medicare.

Using the standard 2026-27 resident settings, $100,000 a year is about $1,490.00 per week after tax and Medicare. The yearly take-home estimate is about $77,480.

For a resident in 2026-27 with no HECS/HELP debt and standard Medicare levy, $120,000 is about $91,080 take-home pay per year. That is about $7,590.00 monthly, $3,503.08 fortnightly or $1,751.54 weekly.

For a resident in 2026-27 with no HECS/HELP debt and standard Medicare levy, $140,000 is about $104,330 take-home pay per year. That is about $8,694.17 monthly, $4,012.69 fortnightly or $2,006.35 weekly. The salary sits in the 37% tax bracket, with about 25.5% paid in tax and Medicare.

For a resident in 2026-27 with no HECS/HELP debt and standard Medicare levy, $150,000 is about $110,430 take-home pay per year. That is about $9,202.50 monthly, $4,247.31 fortnightly or $2,123.65 weekly.

At 38 hours a week, $100,000 a year is about $50.61 per hour before tax. With the standard 2026-27 resident settings used on this page, it is about $39.21 per hour take-home pay.

At 38 hours a week, $40 an hour is about $79,040 per year before tax. With the standard 2026-27 resident settings used on this page, it is about $63,227 take-home pay per year, or about $32.00 per hour after tax.

At 38 hours a week, $45 an hour is about $88,920 per year before tax. With the standard 2026-27 resident settings used on this page, it is about $69,945.60 take-home pay per year, or about $1,345.11 per week.

At 38 hours a week, $50 an hour is about $98,800 per year before tax. With the standard 2026-27 resident settings used on this page, it is about $76,664 take-home pay per year, or about $38.80 per hour after tax.

At 38 hours a week, $75,000 a year is about $37.96 per hour before tax. With the standard 2026-27 resident settings used on this page, it is about $30.61 per hour take-home pay.

No. Fair Work's calculator is for minimum award pay rates, allowances and penalty rates. PayClock is for estimating take-home pay after tax, Medicare, HECS/HELP, super settings and pay-period choices.

Yes. Choose "per hour", enter the hourly rate and hours per week, and PayClock estimates annual income plus take-home pay per hour, day, week, fortnight, month and year.

Yes. Choose "per day" to estimate daily pay. PayClock annualises day-rate income using 260 working days, then shows estimated tax and take-home pay across the main pay periods.

PayClock can estimate the tax effect if you enter a payout amount as a bonus or allowance, but it does not calculate legal final pay, unused leave, redundancy or award entitlements. For those, check Fair Work, your employer or a registered adviser.

PayClock uses Australian resident, foreign resident and working holiday maker tax settings based on official ATO and Australian Government source material. Final, legislated and estimated items are labelled in the calculator.

Yes. Enter weekly pay or choose another pay frequency and PayClock shows the estimated tax and take-home pay across weekly, fortnightly, monthly and annual views. It is an estimate, not payroll software.

PAYG withholding is tax taken out of wages during the year and sent to the ATO by an employer. PayClock estimates the annual tax effect and shows the likely take-home pay for each pay period.

Yes. Enter your hourly rate and weekly hours, or enter your part-time salary directly. PayClock annualises the amount and estimates tax, Medicare, HELP/HECS and take-home pay.

Yes, if you enter the casual hourly rate you expect to be paid. PayClock estimates tax and take-home pay, but it does not calculate award loadings, penalty rates or minimum legal rates.

Use the paid hours you expect each week. A full-time estimate often uses 38 hours. If your hours change, adjust the hours field to see how the annual and take-home pay changes.

Yes. Turn on "income includes super" if the offer is a total package. PayClock then separates estimated cash salary from employer super before calculating take-home pay.

If the salary package includes super, turn on "income includes super" and enter the package amount. PayClock estimates the cash salary portion, employer super and take-home pay after tax.

Yes. In advanced settings, turn off "claim tax-free threshold" to estimate PAYG-style extra withholding. This is useful for second jobs, but it is not a final tax return calculation.

Your payslip may include payroll rounding, award rules, overtime, allowances, pre-tax deductions, post-tax deductions, leave, payroll cycles or employer-specific withholding. PayClock is a planning estimate.

No. PayClock estimates take-home pay after tax. Award wages, penalty rates, allowances and minimum pay checks should be handled through Fair Work or payroll advice.

Your tax bracket is the rate paid on the next dollar inside that bracket. Your tax percentage paid is the average share of your whole salary that goes to income tax and Medicare. That is why an $80,000 salary can sit in the 30% bracket but pay about 20.2% overall.

Gross pay is salary before tax and deductions. Net pay, or take-home pay, is the amount left after income tax, Medicare levy, HELP/HECS repayments and any settings you choose in the calculator.

For Australian residents, the tax-free threshold is the first $18,200 of taxable income. Income above that is taxed in brackets, which is why marginal tax rate and average tax paid are different.

The standard Medicare levy is 2% of taxable income for many Australian residents. Reductions, exemptions and family thresholds can change the amount, so PayClock lets you adjust Medicare settings.

Usually no. Take-home pay is cash paid to you after tax. Employer super is normally paid on top of salary into super, unless the offer is a package where salary includes super. Use the "income includes super" switch for package figures.

For a quick estimate, divide annual take-home pay by 26. PayClock does this automatically and also shows weekly, monthly and yearly amounts in the same result.

It depends on your tax bracket, Medicare, HELP/HECS and other settings. PayClock shows a next-$1,000 raise estimate so you can see roughly how much of a small pay rise is kept as take-home pay.

A bonus is usually taxable income, so it can increase income tax, Medicare levy and HELP/HECS repayment income. Add the bonus in advanced settings to see the estimated annual and pay-period result.

Yes. Enter the offer salary, choose whether super is included, then compare another offer in advanced settings. PayClock shows the estimated difference per year, month, fortnight and week.

HELP/HECS debt, residency, Medicare levy settings, private hospital cover, salary sacrifice, deductions, bonuses, partner income and package structure can all change the final take-home pay estimate.

Yes. PayClock converts gross salary into estimated net pay, then breaks the result into annual, monthly, fortnightly and weekly take-home pay. The target take-home setting also works in reverse to estimate the gross salary needed.

Yes. Choose the Working holiday maker profile or tax residency option. PayClock applies the working holiday maker tax schedule and does not apply the resident Medicare levy or LITO.

Salary sacrificed super can reduce taxable income, but reportable super contributions are included in study-loan repayment income. PayClock subtracts the sacrifice from taxable pay and adds it back for HELP/STSL repayment income.

Yes. PayClock can estimate the Medicare levy surcharge for residents without eligible private hospital cover, using the official single and family MLS thresholds for the selected year.

Yes. PayClock estimates the low-income Medicare levy reduction and shade-in for residents. Family mode uses partner income and dependants to test the family threshold.

Yes. The result includes a next-$1,000 raise insight so you can see the estimated amount kept after tax, levies and selected repayments.

It depends on your current salary and tax settings. As a quick guide, someone moving from $80,000 to $90,000 under the standard 2026-27 resident settings keeps about $6,800 of the $10,000 rise after tax and Medicare.

Enter your current salary, then add a second salary or package offer in advanced settings. PayClock shows the estimated annual, monthly, fortnightly and weekly difference after the selected tax, Medicare, HELP and deduction settings.

PayClock works as all three for planning purposes: a salary calculator, pay calculator and Australian income tax calculator. It estimates take-home pay after tax, Medicare, HELP/HECS, super settings and common pay frequencies.

PayClock currently supports 2025-26 and 2026-27 settings. The calculator labels final, legislated and estimated items so users can see which rates are confirmed and which are still waiting on final publication.

No. PayClock is an estimate tool for Australian pay planning. It is not payroll, financial, legal or tax advice. Confirm important decisions with the ATO, Fair Work or a registered professional.