YTD calculator: year-to-date earnings
This YTD calculator turns the year-to-date figure on your payslip into a projection for the full financial year. Enter your YTD gross pay and the pay period end date, and it shows your average weekly pay so far and what you're on track to earn by 30 June. It's useful for checking your hours, loan applications and tax planning.
Updated 12 November 2026 · Uses 2026-27 figures
Project your year-to-date earnings
Use the YTD gross and pay period end date from your latest payslip.
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 YTD calculator
- Find the YTD gross on your latest payslip. Use gross (before tax), not net.
- Enter the pay period end date printed on that payslip.
- Optionally enter your expected annual salary to compare against.
- Read your projected earnings for the financial year and your weekly average so far.
What does YTD mean on a payslip?
YTD stands for year to date. On an Australian payslip it's the running total since the start of the financial year on 1 July. Payslips usually show YTD figures for gross pay, tax withheld, super and sometimes leave taken.
Employers report these totals to the ATO through Single Touch Payroll each pay day, so your YTD gross and tax should match what appears in myGov. At the end of the financial year, the final YTD figures become your income statement for your tax return.
How the YTD calculator works
The calculator counts the days from 1 July to your pay period end date, divides your YTD gross by that number to get a daily average, then multiplies by 365 to project a full year. If your payslip date is between January and June, it uses the financial year that started the previous 1 July.
Projection = YTD gross ÷ days into the year × 365
Worked example: a payslip in November
A payslip with a period ending 8 November 2026 shows YTD gross pay of $21,500.
That's 131 days into the 2026-27 financial year, an average of about $1,149 a week.
At that pace, the worker is on track to earn about $59,905 by 30 June 2027, which is about $1,905 more than their expected $58,000 salary.
A projection above salary often means overtime or extra shifts. A projection below can mean unpaid leave, fewer hours, or a start date after 1 July. If you started the job part way through the year, the projection will be too low because it averages over the whole year.
Using YTD figures for loans and tax
Loan applications. Lenders often ask for recent payslips and use the YTD figure to check your income, especially for casual or variable pay. A YTD figure that supports your stated income is helpful. Lenders typically look for a steady history, so keep your payslips.
Tax planning. Comparing your projected income with the tax brackets tells you if you're about to move into a higher bracket or lose the low income tax offset. Use the tax calculator with your projected income and YTD tax withheld to check whether you're heading for a refund or a bill.
Checking your pay. If your YTD gross doesn't match the sum of your payslips, raise it with payroll. Mistakes are easier to fix during the year than after 30 June.
Variable hours and casual work
Casual and labour hire workers often have uneven weeks, so YTD is a better guide to annual income than any single payslip. If you'd like steadier hours, TQN Personnel places casual, contract and permanent staff across Australia. You can register for work here.
Frequently asked questions
What does YTD mean on a payslip?
YTD means year to date. It's the total since 1 July, the start of the Australian financial year, for items like gross pay, tax withheld and super. It resets to zero each 1 July.
How do I calculate my annual income from YTD?
Divide your YTD gross by the number of days since 1 July, then multiply by 365. For example, $21,500 after 131 days projects to about $59,905 for the year. The calculator does this automatically.
Is YTD gross before or after tax?
YTD gross is before tax. Your payslip usually also shows YTD tax withheld and YTD net pay. Use the gross figure for income projections and loan applications.
Does YTD include super?
YTD gross pay usually doesn't include employer super. Super is shown separately, often as YTD super or employer contributions. Salary sacrificed super may be shown as a separate line.
When does YTD reset in Australia?
YTD totals reset at the start of each financial year on 1 July. Your final YTD figures for the year to 30 June become your income statement for your tax return.
Why doesn't my YTD match myGov?
Employers report through Single Touch Payroll, but the figures in myGov may lag by a pay cycle and aren't final until your employer marks them tax ready after 30 June. If the difference persists, ask your payroll team.
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Single Touch Payroll explainedSources and assumptions
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.