How much will you actually take home? Use this free Australian pay calculator to turn your hourly rate, weekly pay or annual salary into take-home pay after tax. It works for Australian residents, working holiday makers (subclass 417 and 462) and foreign residents. Everything is free to use, with no email or sign-up needed.
| Gross pay | Income tax | Medicare levy | Take-home | Employer super (12%) |
|---|
Estimate only, for a full income year. Resident rates are the 2026–27 ATO rates and include the low income tax offset and the 2% Medicare levy (with the low-income reduction). Working holiday maker and foreign resident rates are the latest rates published by the ATO (2025–26). It does not include HELP/student loan repayments, the Medicare levy surcharge, deductions or other offsets. Your employer withholds tax each payday, and your final tax is worked out when you lodge your tax return.
How the Pay Calculator Works
The calculator turns your pay into a yearly amount, works out the income tax for your tax status, and then shows the result per year, month, fortnight and week. If your job offer says the pay includes super, tick the box and the calculator will take the super out first.
- Australian residents: 2026–27 resident tax rates, the low income tax offset (up to $700) and the 2% Medicare levy, with the low-income reduction.
- Working holiday makers (417 / 462): 15% on the first $45,000, then the higher rates. There is no tax-free threshold.
- Foreign residents: 30% from the first dollar, then the higher rates. No Medicare levy.
- Super: your employer pays 12% super on top of your ordinary earnings. It goes into your super fund, not your bank account.
Australian Resident Tax Rates 2026–27
| Taxable income | Tax on this income |
|---|---|
| $0 – $18,200 | Nil |
| $18,201 – $45,000 | 15c for each $1 over $18,200 |
| $45,001 – $135,000 | $4,020 plus 30c for each $1 over $45,000 |
| $135,001 – $190,000 | $31,020 plus 37c for each $1 over $135,000 |
| $190,001 and over | $51,370 plus 45c for each $1 over $190,000 |
Source: Australian Taxation Office. These rates do not include the 2% Medicare levy.
Working Holiday Maker Tax Rates
| Taxable income | Tax on this income |
|---|---|
| $0 – $45,000 | 15c for each $1 |
| $45,001 – $135,000 | $6,750 plus 30c for each $1 over $45,000 |
| $135,001 – $190,000 | $33,750 plus 37c for each $1 over $135,000 |
| $190,001 and over | $54,100 plus 45c for each $1 over $190,000 |
Source: ATO working holiday maker tax rates (latest published, 2025–26). Your employer must be registered with the ATO as an employer of working holiday makers to use these rates. Some working holiday makers who are Australian residents for tax and come from certain treaty countries may be taxed differently, so check the ATO website if this applies to you.
Example: $60,000 a Year as a Resident
On a $60,000 salary as an Australian resident in 2026–27, income tax is $8,520 before offsets. The low income tax offset reduces this by $100, and the Medicare levy adds $1,200. That is about $9,620 in total tax, leaving roughly $50,380 take-home pay, or about $4,198 a month. Your employer also pays $7,200 into your super fund.
Frequently Asked Questions
Is this pay calculator free?
Yes. It is completely free, with no email, account or sign-up needed.
Why is my payslip different from the calculator?
Employers withhold tax each payday using ATO withholding tables, which can differ slightly from your final tax. Things like a student loan, deductions or working only part of the year also change your result. The difference is sorted out when you lodge your tax return.
Do working holiday makers pay the Medicare levy?
Working holiday makers are usually foreign residents for tax and do not pay the Medicare levy. If you are unsure about your residency, check the ATO residency rules.
Is super included in my pay?
Usually not. Most jobs pay super on top of your wage. If an offer says “including super” or “package”, tick the box in the calculator.
Before you start work, make sure you have a Tax File Number (TFN). Without one, your employer must withhold tax at a much higher rate.
Related Guides
- Average Salary in Australia
- Minimum Wage in Australia
- How to Lodge a Tax Return in Australia
- Superannuation in Australia
- Get a Tax File Number (TFN)