Free Australia Salary Calculator 2026 | Take Home Pay ATO

🇦🇺 Australia Take-Home Pay Calculator 2025-26

Annual Gross Salary (A$)

Residency Status

HECS/HELP Debt

Medicare Levy Exemption

Superannuation Rate (%)

Pay Frequency

Gross Salary

Take-Home Pay

Income Tax

Medicare Levy

HECS Repayment

Super (Employer)

Gross Salary-

Income Tax-

Low Income Tax Offset (LITO)-

Medicare Levy-

HECS/HELP Repayment-

Annual Take-Home-

Monthly Take-Home-

Employer Super (on top)-

Total Package (incl. super)-

💡 Australia Tax Tips 2025-26

Stage 3 Tax Cuts — Already Active

The redesigned Stage 3 tax cuts are in effect for 2025-26. The 19% tax bracket now extends to A$45,000 and the 32.5% bracket extends to A$135,000, giving most Australians a meaningful tax reduction.

Superannuation — 11.5% in 2025-26

Your employer must contribute 11.5% of your ordinary time earnings to superannuation in 2025-26, rising to 12% in 2026-27. Super is paid on top of your salary — it is NOT deducted from it.

HECS Repayments Indexed to CPI

HECS/HELP repayments are compulsory once income exceeds A$54,435 in 2025-26. The repayment rate starts at 1% and rises to 10% for very high incomes. Your debt is indexed annually to CPI.

Australia Salary FAQs 2025-26

What are the Australian income tax rates for 2025-26?

Australia 2025-26 tax rates: 0% up to A$18,200; 19% from A$18,201–A$45,000; 32.5% from A$45,001–A$135,000; 37% from A$135,001–A$190,000; 45% above A$190,000. Medicare levy of 2% also applies.

Is superannuation included in my salary in Australia?

Superannuation (11.5% in 2025-26) is paid by your employer on top of your gross salary — it is not deducted from your take-home pay. Your total employment cost to the employer is your salary plus super.

What is HECS and when do I repay it?

HECS-HELP is Australia's student loan scheme. Repayment is compulsory through the tax system once your income exceeds A$54,435 in 2025-26. Repayment rates range from 1% to 10% depending on income.

What is the take-home pay on A$80,000 in Australia?

On an A$80,000 gross salary in 2025-26, your approximate take-home pay is around A$61,000-A$63,000 per year (about A$5,100-A$5,250 per month) after income tax and Medicare levy. Use the calculator for your exact figure.