Take-Home Pay Calculator Australia 2026–27
Estimate what actually reaches your bank account from an Australian salary. See weekly, fortnightly, monthly and annual take-home pay after estimated income tax, Medicare levy and HELP/HECS where selected.
Use the free calculator
Open My Pay Calculator to model the scenario with your selected financial year, residency and relevant settings.
Open My Pay Calculator →Gross salary vs take-home pay
Your gross salary is the amount before tax and deductions. Take-home pay is the estimated amount left after income tax, Medicare and other selected settings are applied. The calculator keeps both figures visible so you can compare a salary package with the money available for everyday spending.
What the calculator can show
- Estimated income tax
- Medicare levy where applicable
- HELP/HECS repayments when selected
- Editable superannuation rate
- Weekly, fortnightly, monthly and annual take-home pay
Current rates and methodology
Calculations use the selected financial year's Australian tax settings. FY2026–27 is treated as the current financial year and FY2027–28 as a legislated future-year option where supported. Rates and assumptions were last reviewed 17 September 2026.
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Frequently asked questions
What is take-home pay?
Take-home pay is the estimated amount remaining from gross salary after income tax and applicable deductions or repayments.
Does the calculator include Medicare?
Yes. The estimate can include the Medicare levy using the calculator's published assumptions and selected settings.
Can I include HELP or HECS?
Yes. Select the relevant HELP/HECS option in the main calculator to include an estimated compulsory repayment.
Can I see fortnightly and monthly take-home pay?
Yes. Results are shown across weekly, fortnightly, monthly and annual pay frequencies.
Rates, sources and assumptions
See how the estimates are calculated, which financial years are supported and the limitations that apply.
View methodology & sources →Last reviewed: 17 September 2026
Estimates only. Actual tax, payroll, superannuation and entitlement outcomes depend on individual circumstances. My Pay Calculator is not financial, taxation, payroll or legal advice.