{
  "publisher": "Paycalcmate",
  "author": "Dan",
  "checkedAt": "2026-10-02",
  "financialYear": "2026-27",
  "currency": "AUD",
  "method": "Deterministic calculations using published rules. These are modelled examples, not a survey of households or payroll records.",
  "calculatorSHA256": "8b36ae6f797e78cc6ec4ef7dc9776c5bf846aa3fda05cd65b83c60966fd62745",
  "assumptions": {
    "year": "2026-27",
    "freq": "annual",
    "standardDeduction": true,
    "superCapped": true,
    "household": "single",
    "privateHospital": false,
    "packageType": "excludes",
    "hours": 38,
    "weeks": 52,
    "resident": "Full-year Australian resident; ordinary low-income Medicare thresholds; no partner or dependants",
    "helpBalance": "Uncapped when HELP is selected; enough debt for the calculated repayment",
    "otherIncome": 0,
    "otherDeductions": 0,
    "fringeBenefits": 0,
    "medicareThresholds": "Latest legislated thresholds used; a later 2026-27 uplift may change results",
    "payroll": "Annual tax liability including the eligible standard work deduction; not exact payroll withholding",
    "excluded": "Childcare, income-tested payments, insurance premiums, commute costs, overtime changes and employment contract effects"
  },
  "sources": [
    {
      "label": "ATO resident income tax rates",
      "url": "https://www.ato.gov.au/tax-rates-and-codes/tax-rates-australian-residents"
    },
    {
      "label": "ATO compulsory study loan repayments",
      "url": "https://www.ato.gov.au/individuals-and-families/study-and-training-support-loans/when-you-must-repay-your-loan/compulsory-repayments"
    },
    {
      "label": "ATO Medicare levy surcharge",
      "url": "https://www.ato.gov.au/individuals-and-families/medicare-and-private-health-insurance/medicare-levy-surcharge"
    },
    {
      "label": "Tax Reform Act 2026: standard work deduction, Schedule 4",
      "url": "https://www.legislation.gov.au/C2026A00049/asmade/2026-06-26/text/original/epub/OEBPS/document_1/document_1.html"
    },
    {
      "label": "Official 2026 indexed HELP repayment amounts",
      "url": "https://www.legislation.gov.au/C2026G00249/asmade/2026-04-20/text/original/epub/OEBPS/document_1/document_1.html"
    }
  ],
  "title": "Paycalcmate Four-Day Week Pay Index 2026-27",
  "description": "A five-day salary scaled to four equal-length days, with annual tax recalculated. Four tax and study-loan scenarios for nine salaries.",
  "rows": [
    {
      "salary": 60000,
      "shorterSalary": 48000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
      "fullTimeNet": 50715,
      "fourDayNet": 42735,
      "annualCashCost": 7980,
      "monthlyCashCost": 665,
      "netRetainedPercent": 84.27,
      "cashCostPerExtraDayOff": 153.46
    },
    {
      "salary": 60000,
      "shorterSalary": 48000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
      "fullTimeNet": 50715,
      "fourDayNet": 42735,
      "annualCashCost": 7980,
      "monthlyCashCost": 665,
      "netRetainedPercent": 84.27,
      "cashCostPerExtraDayOff": 153.46
    },
    {
      "salary": 60000,
      "shorterSalary": 48000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
      "fullTimeNet": 50715,
      "fourDayNet": 42735,
      "annualCashCost": 7980,
      "monthlyCashCost": 665,
      "netRetainedPercent": 84.27,
      "cashCostPerExtraDayOff": 153.46
    },
    {
      "salary": 60000,
      "shorterSalary": 48000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
      "fullTimeNet": 50715,
      "fourDayNet": 42735,
      "annualCashCost": 7980,
      "monthlyCashCost": 665,
      "netRetainedPercent": 84.27,
      "cashCostPerExtraDayOff": 153.46
    },
    {
      "salary": 70000,
      "shorterSalary": 56000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
      "fullTimeNet": 57400,
      "fourDayNet": 48055,
      "annualCashCost": 9345,
      "monthlyCashCost": 778.75,
      "netRetainedPercent": 83.72,
      "cashCostPerExtraDayOff": 179.71
    },
    {
      "salary": 70000,
      "shorterSalary": 56000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
      "fullTimeNet": 57400,
      "fourDayNet": 48055,
      "annualCashCost": 9345,
      "monthlyCashCost": 778.75,
      "netRetainedPercent": 83.72,
      "cashCostPerExtraDayOff": 179.71
    },
    {
      "salary": 70000,
      "shorterSalary": 56000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
      "fullTimeNet": 57400,
      "fourDayNet": 48055,
      "annualCashCost": 9345,
      "monthlyCashCost": 778.75,
      "netRetainedPercent": 83.72,
      "cashCostPerExtraDayOff": 179.71
    },
    {
      "salary": 70000,
      "shorterSalary": 56000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
      "fullTimeNet": 57400,
      "fourDayNet": 48055,
      "annualCashCost": 9345,
      "monthlyCashCost": 778.75,
      "netRetainedPercent": 83.72,
      "cashCostPerExtraDayOff": 179.71
    },
    {
      "salary": 80000,
      "shorterSalary": 64000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
      "fullTimeNet": 64200,
      "fourDayNet": 53375,
      "annualCashCost": 10825,
      "monthlyCashCost": 902.08,
      "netRetainedPercent": 83.14,
      "cashCostPerExtraDayOff": 208.17
    },
    {
      "salary": 80000,
      "shorterSalary": 64000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
      "fullTimeNet": 62779.2,
      "fourDayNet": 53375,
      "annualCashCost": 9404.2,
      "monthlyCashCost": 783.68,
      "netRetainedPercent": 85.02,
      "cashCostPerExtraDayOff": 180.85
    },
    {
      "salary": 80000,
      "shorterSalary": 64000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
      "fullTimeNet": 64200,
      "fourDayNet": 53375,
      "annualCashCost": 10825,
      "monthlyCashCost": 902.08,
      "netRetainedPercent": 83.14,
      "cashCostPerExtraDayOff": 208.17
    },
    {
      "salary": 80000,
      "shorterSalary": 64000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
      "fullTimeNet": 62779.2,
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      "annualCashCost": 9404.2,
      "monthlyCashCost": 783.68,
      "netRetainedPercent": 85.02,
      "cashCostPerExtraDayOff": 180.85
    },
    {
      "salary": 90000,
      "shorterSalary": 72000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
      "fullTimeNet": 71000,
      "fourDayNet": 58760,
      "annualCashCost": 12240,
      "monthlyCashCost": 1020,
      "netRetainedPercent": 82.76,
      "cashCostPerExtraDayOff": 235.38
    },
    {
      "salary": 90000,
      "shorterSalary": 72000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
      "fullTimeNet": 68079.2,
      "fourDayNet": 58539.2,
      "annualCashCost": 9540,
      "monthlyCashCost": 795,
      "netRetainedPercent": 85.99,
      "cashCostPerExtraDayOff": 183.46
    },
    {
      "salary": 90000,
      "shorterSalary": 72000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
      "fullTimeNet": 71000,
      "fourDayNet": 58760,
      "annualCashCost": 12240,
      "monthlyCashCost": 1020,
      "netRetainedPercent": 82.76,
      "cashCostPerExtraDayOff": 235.38
    },
    {
      "salary": 90000,
      "shorterSalary": 72000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
      "fullTimeNet": 68079.2,
      "fourDayNet": 58539.2,
      "annualCashCost": 9540,
      "monthlyCashCost": 795,
      "netRetainedPercent": 85.99,
      "cashCostPerExtraDayOff": 183.46
    },
    {
      "salary": 100000,
      "shorterSalary": 80000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
      "fullTimeNet": 77800,
      "fourDayNet": 64200,
      "annualCashCost": 13600,
      "monthlyCashCost": 1133.33,
      "netRetainedPercent": 82.52,
      "cashCostPerExtraDayOff": 261.54
    },
    {
      "salary": 100000,
      "shorterSalary": 80000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
      "fullTimeNet": 73379.2,
      "fourDayNet": 62779.2,
      "annualCashCost": 10600,
      "monthlyCashCost": 883.33,
      "netRetainedPercent": 85.55,
      "cashCostPerExtraDayOff": 203.85
    },
    {
      "salary": 100000,
      "shorterSalary": 80000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
      "fullTimeNet": 77800,
      "fourDayNet": 64200,
      "annualCashCost": 13600,
      "monthlyCashCost": 1133.33,
      "netRetainedPercent": 82.52,
      "cashCostPerExtraDayOff": 261.54
    },
    {
      "salary": 100000,
      "shorterSalary": 80000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
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      "fourDayNet": 62779.2,
      "annualCashCost": 10600,
      "monthlyCashCost": 883.33,
      "netRetainedPercent": 85.55,
      "cashCostPerExtraDayOff": 203.85
    },
    {
      "salary": 120000,
      "shorterSalary": 96000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
      "fullTimeNet": 90210,
      "fourDayNet": 75080,
      "annualCashCost": 15130,
      "monthlyCashCost": 1260.83,
      "netRetainedPercent": 83.23,
      "cashCostPerExtraDayOff": 290.96
    },
    {
      "salary": 120000,
      "shorterSalary": 96000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
      "fullTimeNet": 82789.2,
      "fourDayNet": 71259.2,
      "annualCashCost": 11530,
      "monthlyCashCost": 960.83,
      "netRetainedPercent": 86.07,
      "cashCostPerExtraDayOff": 221.73
    },
    {
      "salary": 120000,
      "shorterSalary": 96000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
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      "fourDayNet": 75080,
      "annualCashCost": 16320,
      "monthlyCashCost": 1360,
      "netRetainedPercent": 82.14,
      "cashCostPerExtraDayOff": 313.85
    },
    {
      "salary": 120000,
      "shorterSalary": 96000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
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      "cashCostPerExtraDayOff": 244.62
    },
    {
      "salary": 150000,
      "shorterSalary": 120000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
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      "fourDayNet": 90210,
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      "monthlyCashCost": 1562.29,
      "netRetainedPercent": 82.79,
      "cashCostPerExtraDayOff": 360.53
    },
    {
      "salary": 150000,
      "shorterSalary": 120000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
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      "monthlyCashCost": 1155.15,
      "netRetainedPercent": 85.66,
      "cashCostPerExtraDayOff": 266.57
    },
    {
      "salary": 150000,
      "shorterSalary": 120000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
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      "annualCashCost": 19420,
      "monthlyCashCost": 1618.33,
      "netRetainedPercent": 82.48,
      "cashCostPerExtraDayOff": 373.46
    },
    {
      "salary": 150000,
      "shorterSalary": 120000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
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      "cashCostPerExtraDayOff": 279.51
    },
    {
      "salary": 180000,
      "shorterSalary": 144000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
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      "monthlyCashCost": 1755.21,
      "netRetainedPercent": 83.34,
      "cashCostPerExtraDayOff": 405.05
    },
    {
      "salary": 180000,
      "shorterSalary": 144000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
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      "monthlyCashCost": 1245.21,
      "netRetainedPercent": 86.29,
      "cashCostPerExtraDayOff": 287.36
    },
    {
      "salary": 180000,
      "shorterSalary": 144000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
      "fullTimeNet": 129120,
      "fourDayNet": 107160,
      "annualCashCost": 21960,
      "monthlyCashCost": 1830,
      "netRetainedPercent": 82.99,
      "cashCostPerExtraDayOff": 422.31
    },
    {
      "salary": 180000,
      "shorterSalary": 144000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
      "fullTimeNet": 111713.54,
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      "annualCashCost": 15840,
      "monthlyCashCost": 1320,
      "netRetainedPercent": 85.82,
      "cashCostPerExtraDayOff": 304.62
    },
    {
      "salary": 200000,
      "shorterSalary": 160000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
      "fullTimeNet": 137615,
      "fourDayNet": 114932.5,
      "annualCashCost": 22682.5,
      "monthlyCashCost": 1890.21,
      "netRetainedPercent": 83.52,
      "cashCostPerExtraDayOff": 436.2
    },
    {
      "salary": 200000,
      "shorterSalary": 160000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
      "fullTimeNet": 117715,
      "fourDayNet": 100926.04,
      "annualCashCost": 16788.96,
      "monthlyCashCost": 1399.08,
      "netRetainedPercent": 85.74,
      "cashCostPerExtraDayOff": 322.86
    },
    {
      "salary": 200000,
      "shorterSalary": 160000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
      "fullTimeNet": 140600,
      "fourDayNet": 116920,
      "annualCashCost": 23680,
      "monthlyCashCost": 1973.33,
      "netRetainedPercent": 83.16,
      "cashCostPerExtraDayOff": 455.38
    },
    {
      "salary": 200000,
      "shorterSalary": 160000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
      "fullTimeNet": 120700,
      "fourDayNet": 102913.54,
      "annualCashCost": 17786.46,
      "monthlyCashCost": 1482.21,
      "netRetainedPercent": 85.26,
      "cashCostPerExtraDayOff": 342.05
    }
  ]
}