Take home pay calculator
Use this take home pay calculator to see what lands in your bank account after income tax and the Medicare levy. Enter an hourly rate, a weekly or fortnightly wage or an annual salary, and the calculator shows your net pay for every pay cycle, plus the super your employer pays on top, using 2026-27 Australian tax rates.
Updated 12 November 2026 · Uses 2026-27 figures
Work out your pay after tax
Enter your pay, how often it's quoted and your weekly hours.
General information only, not financial, tax or legal advice. Results are estimates based on 2026-27 figures and the assumptions shown. Check your award, agreement or a qualified adviser for your situation.
Looking for steady shifts or a permanent role? TQN Personnel places casual, contract and permanent staff across Australia.
Find workHow to use the take home pay calculator
- Enter your pay amount. This can be an hourly rate, a weekly or fortnightly wage, a monthly amount or a yearly salary.
- Choose how the amount is paid per: hour, week, fortnight, month or year.
- If you entered an hourly rate, set your hours per week. Full-time work is usually 38 hours.
- Say whether the amount includes super. Job ads that say "package" or "inc. super" usually do.
- Read your take home pay per week, fortnight, month and year, along with the tax and Medicare levy taken out.
How take home pay is calculated
Your take home pay, also called net pay, is your gross pay minus income tax and the Medicare levy. The calculator first converts whatever you enter into a yearly figure, then applies the 2026-27 resident tax rates, the low income tax offset and the 2% Medicare levy, then divides the result back into weekly, fortnightly and monthly amounts.
| Taxable income | Tax on this income (2026-27) |
|---|---|
| $0 to $18,200 | Nil |
| $18,201 to $45,000 | 15c for each $1 over $18,200 |
| $45,001 to $135,000 | $4,020 plus 30c for each $1 over $45,000 |
| $135,001 to $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 |
From 1 July 2026 the lowest tax rate fell from 16% to 15%, so most workers keep a little more of each pay than they did in 2025-26. The low income tax offset (LITO) of up to $700 reduces tax further for anyone earning under $66,667. The Medicare levy is 2% of taxable income, with a reduced levy for low incomes.
Your employer also pays super of 12% of your ordinary time earnings on top of your wage. That money goes to your super fund, not your bank account, so it isn't part of take home pay.
Worked example: $32.50 an hour, 38 hours a week
A full-time worker on $32.50 an hour for 38 hours a week earns $1,235 a week, or $64,220 a year before tax.
Income tax after the low income tax offset is about $9,749 and the Medicare levy is $1,284.
That leaves take home pay of about $53,186 a year, which is $1,023 a week, $2,046 a fortnight or $4,432 a month. The employer pays a further $7,706 in super.
Your payslip may differ by a few dollars because employers use the ATO's withholding tables, which round each pay, rather than calculating the year in one go. Any difference is sorted out when you lodge your tax return.
Weekly, fortnightly and monthly pay after tax
People search for a weekly pay calculator or a fortnightly pay calculator because that's how their wages arrive. The tax is the same across the year whichever pay cycle you're on. Weekly pay is the yearly net divided by 52, fortnightly pay by 26 and monthly pay by 12.
A few things change your real take home pay that this calculator leaves out:
- HELP or HECS debt. Once your income passes the repayment threshold, extra tax is withheld. See the HECS repayment calculator.
- A second job. If you claim the tax-free threshold from more than one employer, too little tax is withheld and you may owe money at tax time. The tax calculator checks this.
- Salary sacrifice. Money sacrificed into super or a novated lease comes out before tax and lowers both your tax and your take home pay.
- Penalty rates and overtime. Weekend, night and overtime hours raise gross pay. Use the penalty rates calculator for shift work.
Salary, wages and super: what's included
A salary quoted "plus super" is your gross pay, and super is added on top. A salary quoted "including super" or as a "package" has the super inside it. To find the gross wage, divide the package by 1.12. For example, an $80,000 package including super is a gross salary of about $71,429.
Casual workers usually see an hourly rate that already includes the 25% casual loading. Enter that rate as it is. Casuals don't get paid leave, so their take home pay covers every week they actually work and nothing for the weeks they don't. The casual loading calculator compares casual and permanent pay over a full year.
Is super paid on overtime?
Usually not. The super guarantee is worked out on ordinary time earnings, so overtime hours generally don't attract super. Shift loadings and penalty rates for ordinary hours usually do.
Pay for casual and labour hire work
Many labour hire and casual workers have hours that change from week to week. Run the calculator with a typical week, then with a busy week, to see the range of pay you can expect. If you're after more regular hours, TQN Personnel places casual, contract and permanent staff across warehousing, hospitality, driving, construction and care. You can register for work here.
Frequently asked questions
How do I calculate my take home pay?
Work out your yearly gross pay, subtract income tax using the resident tax rates, subtract the low income tax offset if you qualify, then subtract the 2% Medicare levy. Divide the result by 52 for weekly pay or 26 for fortnightly pay. The calculator above does all of this for 2026-27.
How much tax do I pay on $60,000 in Australia?
On a $60,000 salary in 2026-27, income tax is about $8,420 after the low income tax offset, and the Medicare levy is $1,200. That leaves take home pay of about $50,380 a year, or roughly $969 a week.
What are the tax brackets in Australia for 2026-27?
Income up to $18,200 is tax-free. Then it's 15% to $45,000, 30% to $135,000, 37% to $190,000 and 45% above $190,000. These are resident rates. The 2% Medicare levy is charged on top.
Is super taken out of my take home pay?
No. The 12% super guarantee is paid by your employer on top of your wages, so it doesn't reduce your take home pay. It only comes out of your pay if your salary is quoted as a package including super, or if you choose to salary sacrifice extra.
Why is my payslip different from the calculator?
Employers withhold tax using ATO tables for each pay period, which round amounts and assume the same pay all year. Overtime, bonuses, HELP debt, salary sacrifice and not claiming the tax-free threshold all change the amount withheld. Your tax return settles the final figure.
Do I pay the Medicare levy on a low income?
Not if your income is low enough. For 2025-26 the levy was nil for singles earning up to $28,011 and phased in up to $35,013. The 2026-27 thresholds are usually announced in the following May Budget, and the calculator uses the latest published figures.
Related calculators
Sources and assumptions
- ATO: Tax rates for Australian residents
- ATO: Low income tax offset
- ATO: Medicare levy reduction for low-income earners
- ATO: Super guarantee rate
General information only, not financial, tax or legal advice. Results are estimates based on 2026-27 figures and the assumptions shown. Check your award, agreement or a qualified adviser for your situation.