Free tool
Pay Calculator
Work out your take-home pay a week, fortnight, month or year for 2026–27 — from a salary, an hourly or a daily rate — with super, salary sacrifice, HELP and the Medicare levy surcharge.
Your pay
Super is paid on top of the pay above.
Deductions from pay
Family means a spouse, or dependent children.
Take-home pay
$2,718.46
A fortnight, after tax and deductions
Tax and Medicare
$743.08
A fortnight — a marginal rate of 30% plus the levy
Employer super
$415.38
A fortnight, paid into your fund
Salary, a year
$90,000
Before tax
Where your pay goes
- Take-home$2,718.46
- Income tax$673.85
- Medicare$69.23
| Salary | $3,461.54 | |
| − | Income tax, after the low income tax offset | $673.85 |
| − | Medicare levy | $69.23 |
| = | Take-home pay | $2,718.46 |
A year’s figures divided by 26. Your employer withholds tax using the ATO’s tax tables, which round each pay, so a payslip can differ by a few dollars.
General information only — an estimate, not tax advice. It uses the ATO’s 2026–27 resident rates, study loan thresholds, Medicare levy surcharge thresholds and super settings (checked 30 September 2026), and the latest published foreign resident, working holiday maker and Medicare levy low-income figures. It assumes you are paid the same all year, and does not include other income, deductions, the family Medicare levy reduction, fringe benefits or offsets other than the low income tax offset. Our Credit Guide sets out who we are and how we are licensed.
How take-home pay is worked out
Start with the salary, take out anything you salary sacrifice, and the rest is taxable income. Income tax comes off that at the 2026–27 resident rates — nothing to $18,200, then 15%, 30%, 37% and 45% — less the low income tax offset for incomes under $66,667. The 2% Medicare levy comes next, then the Medicare levy surcharge if it applies, and any study loan repayment.
On $90,000 that is $17,520 of income tax and $1,800 of Medicare levy, leaving $70,680 — $2,718.46 a fortnight. Your employer pays $10,800 of super on top.
Super: on top or included
The super guarantee is 12% of your ordinary pay, paid by your employer into your fund — and from 1 July 2026, paid each payday rather than each quarter. Most salaries are quoted with super on top. A package that includes super is a smaller salary: $100,000 including super is $89,285.71 of salary and $10,714.29 of super. Above $270,830 of earnings in 2026–27, the maximum contribution base, employers do not have to pay the guarantee on the rest.
Salary sacrifice
Salary sacrificed into super is taken out before tax, and taxed at 15% in the fund instead of your marginal rate. Sacrifice $10,000 of a $90,000 salary and your tax and Medicare levy fall by $3,200: take-home pay drops by $6,800, and $8,500 lands in super after the fund’s tax. Your employer still pays super on the full salary.
Employer super and salary sacrifice together count towards the concessional contributions cap — $32,500 in 2026–27. The calculator warns if you go over it.
HELP and other study loans
Study loan repayments work on your repayment income — taxable income plus salary sacrificed to super, among other things — and since 2025–26 only on the part above the threshold. For 2026–27:
- Up to $69,528: nothing.
- $69,529 to $129,717: 15 cents for each dollar over $69,528.
- $129,718 to $186,050: $9,028 plus 17 cents for each dollar over $129,717.
- $186,051 and over: 10% of all your repayment income.
On a $90,000 salary that is $3,070.80 a year, or $118.11 a fortnight.
The Medicare levy surcharge
If you do not have private hospital cover and your income for surcharge purposes is over $105,000 as a single, or $210,000 as a family, you pay a surcharge on top of the Medicare levy: 1%, 1.25% or 1.5% of taxable income in 2026–27, rising at $123,000 and $164,000 for singles and at $246,000 and $328,000 for families. The family threshold rises by $1,500 for each dependent child after the first. A single person on $120,000 without cover pays $1,200.
Foreign residents and working holiday makers
Foreign residents pay 30% from the first dollar up to $135,000, have no tax-free threshold and pay no Medicare levy: on $90,000 the tax is $27,000. Working holiday makers pay 15% up to $45,000 and then the same rates as residents — $20,250 on $90,000.
From pay to a home loan
Lenders work from your gross income and your commitments, not your take-home pay alone — the borrowing power calculator shows what they might lend. For the tax on a whole year’s income, including what the 2026–27 tax cut is worth, see the income tax calculator.
Frequently asked questions
How much is $90,000 a year after tax?
$70,680 in 2026–27 for an Australian resident: $17,520 of income tax and $1,800 of Medicare levy come out. That is $5,890 a month, $2,718.46 a fortnight or $1,359.23 a week — with $10,800 of employer super paid on top.
Is super included in my salary?
It depends on how the job is offered. Usually the salary is the base and the 12% super guarantee is paid on top. A package that includes super is smaller once the super comes out: a $100,000 package is a salary of $89,285.71 plus $10,714.29 of super. Choose Included in the calculator to see yours.
How much HELP will I repay?
In 2026–27 nothing on repayment income up to $69,528, then 15 cents of each dollar above it. On a $90,000 salary that is $3,070.80 a year, or $118.11 a fortnight. Repayment income includes salary sacrificed to super, so sacrificing does not reduce the repayment.
What is the Medicare levy surcharge?
An extra 1% to 1.5% of taxable income for people without private hospital cover whose income for surcharge purposes is over $105,000 (single) or $210,000 (family) in 2026–27. A single person on $120,000 without cover pays $1,200 a year on top of the 2% Medicare levy.
Does salary sacrifice reduce my tax?
Yes. Sacrificing $10,000 of a $90,000 salary into super cuts income tax and the Medicare levy by $3,200, so take-home pay falls by $6,800 while $10,000 goes into super, where it is taxed at 15%. Employer super and salary sacrifice together count towards the $32,500 concessional cap for 2026–27.
Why is my payslip different from this?
Employers withhold tax using the ATO's tax tables, which round each pay and assume you are paid the same every period, so a payslip can differ from a year's tax divided by 26 by a few dollars. The difference comes out in your tax return. Other income, deductions and offsets also change what you finally pay.
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