Australian Pay Calculator 2025-26
Calculate your take-home pay, income tax, Medicare levy, and superannuation. Updated with the latest 2025-26 tax rates including Stage 3 tax cuts.
How to Use This Australian Salary Calculator
Enter your salary amount and select your pay cycle (annual, monthly, fortnightly, weekly, or hourly). The calculator instantly shows your take-home pay after deducting income tax and Medicare levy. You can also see how much superannuation your employer contributes.
How Australian Income Tax Works in 2025-26
Australia uses a progressive tax system where higher portions of your income are taxed at higher rates. The 2025-26 financial year continues the Stage 3 tax cuts, which reduced the 32.5% bracket to 30% and extended it to cover incomes up to $135,000.
2025-26 Australian Tax Brackets
| Taxable Income | Tax Rate | Tax on This Bracket |
|---|---|---|
| $0 – $18,200 | 0% | Nil |
| $18,201 – $45,000 | 16% | 16c for each $1 over $18,200 |
| $45,001 – $135,000 | 30% | $4,288 plus 30c for each $1 over $45,000 |
| $135,001 – $190,000 | 37% | $31,288 plus 37c for each $1 over $135,000 |
| $190,001+ | 45% | $51,638 plus 45c for each $1 over $190,000 |
Medicare Levy Explained
The Medicare Levy is a 2% tax on your taxable income that funds Australia's public healthcare system. Low-income earners (below $26,000 for singles) may qualify for a reduced rate or full exemption. The Medicare Levy Surcharge (MLS) is an additional 1-1.5% for high earners without private hospital cover.
Superannuation Guarantee 2025-26
Employers must contribute 12% of your ordinary time earnings to your superannuation fund. This is paid on top of your salary and helps build your retirement savings. Some employment contracts include super in the total package—use the "Salary includes super" option if this applies to you.
PAYG Withholding Tax
Pay As You Go (PAYG) withholding is how your employer deducts tax from your pay throughout the year. This calculator estimates your PAYG tax based on the ATO tax tables. Your actual withholding may vary based on tax offsets, HECS-HELP debt, and other factors.
Frequently Asked Questions
What is the difference between gross and net pay?
Gross pay is your total salary before any deductions. Net pay (take-home pay) is what you receive after income tax and Medicare levy are deducted. Superannuation is separate—it's paid by your employer into your super fund, not deducted from your pay.
Should I claim the tax-free threshold?
You should claim the tax-free threshold at your main job. If you have multiple jobs, only claim it at the one where you earn the most. Claiming it at multiple jobs can result in a tax debt at the end of the financial year.
How are bonuses taxed in Australia?
Bonuses are taxed at your marginal tax rate. Your employer may withhold more tax from bonus payments to account for the higher rate. At tax time, any overpaid tax will be refunded.
Related Financial Calculators
Have feedback or suggestions?
We'd love to hear from you. If you spot an error or have ideas for improving this calculator, please contact us at [email protected].