Take-Home Pay Calculator
Work out your estimated Australian take-home pay after income tax, the Medicare levy, HELP repayments and salary sacrifice for the 2026–27 year.
Defaults to the $1,000 standard deduction for an eligible resident worker.
Your results
Calculation breakdown
- Taxable income
- $95,000.00 − $0.00 − $1,000.00 = $94,000.00
- Net income tax
- Income tax $18,720.00 − LITO $0.00 = $18,720.00
- Take-home pay
- $95,000.00 − salary sacrifice − tax − levy − HELP = $74,400.00
Assumptions
- This is an estimate only, not an exact PAYG withholding calculation.
- This calculator uses Australian resident individual income-tax rates. It does not calculate foreign-resident or working-holiday-maker tax.
- The default $1,000 work-related deduction models the 2026–27 standard deduction for an eligible resident worker. Enter the total eligible amount you intend to use and check your entitlement before relying on it.
- Models the single-person low-income Medicare levy phase-in. Family and SAPTO thresholds, exemptions and the surcharge are not modelled.
- Salary sacrifice to super reduces taxable income but is not paid as cash.
- Reportable employer super contributions are added back for HELP purposes; work-related deductions still reduce the simplified repayment-income figure.
- HELP repayment is capped at the remaining debt balance.
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How this calculator works
Enter your gross salary and this calculator subtracts 2026–27 resident income tax, the low income tax offset, the optional 2% Medicare levy, any compulsory HELP repayment and salary sacrifice to estimate what actually lands in your bank account each pay.
Uses 2026–27 settings. Last reviewed 30/09/2026; the applicable official references are listed below.
What is deducted from take-home pay in 2026–27
Take-home pay is the part of your gross salary left after the deductions modelled by the calculator. That can include resident income tax, the Medicare levy, compulsory HELP repayments and salary sacrifice, depending on the options you select.
The calculator defaults to the $1,000 standard work-related deduction available to eligible resident workers in 2026–27. Change the field if your total eligible work-related deduction is different. This deduction changes taxable income but is not itself a cash amount removed from salary.
The calculator then converts the annual result into common Australian pay cycles. Actual PAYG withholding on a payslip may differ because the standard deduction is claimed through the annual tax return and payroll uses withholding schedules.
Salary sacrificed to super reduces taxable income, but reportable employer super contributions are added back when HELP repayment income is determined. This simplified estimate adds salary sacrifice back while allowing the entered work-related deduction to reduce the HELP repayment-income figure.
- Gross annual salary before deductions
- Estimated income tax and Medicare levy
- Optional HELP repayment impact
- Estimated net pay by common pay frequency
Why the result may not exactly match a payslip
Payroll systems generally calculate withholding per pay period, while this calculator starts from an annual estimate. Rounding, allowances, bonuses, multiple jobs, tax-free-threshold choices and payroll adjustments can therefore create small differences.
The estimate includes LITO and the work-related deduction entered, but not every payroll deduction, reportable fringe benefit, leave payment, other tax offset or family-based Medicare setting. Reconcile it with the income and deductions shown on the payslip before a household commitment.
Related Australian guides
Official sources and assumptions
Check the official or authoritative references used to review this calculator's rates, formulas and assumptions.
- Australian resident income tax ratesAustralian Taxation Office
- Low income tax offset rulesAustralian Taxation Office
- Medicare levy reduction thresholdsAustralian Taxation Office
- HELP loan repaymentsStudy Assist, Australian Government
- Standard deduction for work-related expenses (Schedule 4)Federal Register of Legislation
Frequently asked questions
Is this the same as my payslip?
Not exactly. Employers use PAYG withholding schedules that round differently and may apply extra variations, so treat this as an annual estimate.
How does salary sacrifice change the result?
Salary sacrificed to super reduces taxable income and can lower income tax and the Medicare levy. Reportable employer super contributions are added back when HELP repayment income is worked out, so this calculator does not reduce its HELP income figure by the sacrifice.
Is the low income tax offset applied?
Yes. LITO of up to $700 is applied automatically and phases out at $66,667 of taxable income.
Content responsibility
Maintained by CalcAussie and last updated 30 September 2026. Checks applied: calculation method, worked examples, Australian terminology, material assumptions, official references where an external rule applies, and user-facing limitations.
Calculator results remain estimates based on the figures entered. Check material decisions against current official information and report a suspected error so it can be reproduced and corrected.
Results are estimates only and are not financial, tax, legal or credit advice.
Rates and thresholds are configured for the 2026–27 Australian financial year and should be reviewed when government settings change.
Actual entitlements can depend on your award, enterprise agreement, contract, employment status and individual circumstances.