{
  "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 $10,000 Pay Rise Study 2026-27",
  "description": "Two full-year salaries $10,000 apart. Four tax and study-loan scenarios for thirteen starting salaries.",
  "rows": [
    {
      "salary": 60000,
      "newSalary": 70000,
      "grossRise": 10000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
      "oldNet": 50715,
      "newNet": 57400,
      "annualCashGain": 6685,
      "monthlyCashGain": 557.08,
      "riseKeptPercent": 66.85
    },
    {
      "salary": 60000,
      "newSalary": 70000,
      "grossRise": 10000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
      "oldNet": 50715,
      "newNet": 57400,
      "annualCashGain": 6685,
      "monthlyCashGain": 557.08,
      "riseKeptPercent": 66.85
    },
    {
      "salary": 60000,
      "newSalary": 70000,
      "grossRise": 10000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
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      "annualCashGain": 6685,
      "monthlyCashGain": 557.08,
      "riseKeptPercent": 66.85
    },
    {
      "salary": 60000,
      "newSalary": 70000,
      "grossRise": 10000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
      "oldNet": 50715,
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      "annualCashGain": 6685,
      "monthlyCashGain": 557.08,
      "riseKeptPercent": 66.85
    },
    {
      "salary": 70000,
      "newSalary": 80000,
      "grossRise": 10000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
      "oldNet": 57400,
      "newNet": 64200,
      "annualCashGain": 6800,
      "monthlyCashGain": 566.67,
      "riseKeptPercent": 68
    },
    {
      "salary": 70000,
      "newSalary": 80000,
      "grossRise": 10000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
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      "annualCashGain": 5379.2,
      "monthlyCashGain": 448.27,
      "riseKeptPercent": 53.79
    },
    {
      "salary": 70000,
      "newSalary": 80000,
      "grossRise": 10000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
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      "newNet": 64200,
      "annualCashGain": 6800,
      "monthlyCashGain": 566.67,
      "riseKeptPercent": 68
    },
    {
      "salary": 70000,
      "newSalary": 80000,
      "grossRise": 10000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
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      "riseKeptPercent": 53.79
    },
    {
      "salary": 80000,
      "newSalary": 90000,
      "grossRise": 10000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
      "oldNet": 64200,
      "newNet": 71000,
      "annualCashGain": 6800,
      "monthlyCashGain": 566.67,
      "riseKeptPercent": 68
    },
    {
      "salary": 80000,
      "newSalary": 90000,
      "grossRise": 10000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
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      "annualCashGain": 5300,
      "monthlyCashGain": 441.67,
      "riseKeptPercent": 53
    },
    {
      "salary": 80000,
      "newSalary": 90000,
      "grossRise": 10000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
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      "annualCashGain": 6800,
      "monthlyCashGain": 566.67,
      "riseKeptPercent": 68
    },
    {
      "salary": 80000,
      "newSalary": 90000,
      "grossRise": 10000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
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      "annualCashGain": 5300,
      "monthlyCashGain": 441.67,
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    },
    {
      "salary": 90000,
      "newSalary": 100000,
      "grossRise": 10000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
      "oldNet": 71000,
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      "monthlyCashGain": 566.67,
      "riseKeptPercent": 68
    },
    {
      "salary": 90000,
      "newSalary": 100000,
      "grossRise": 10000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
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      "annualCashGain": 5300,
      "monthlyCashGain": 441.67,
      "riseKeptPercent": 53
    },
    {
      "salary": 90000,
      "newSalary": 100000,
      "grossRise": 10000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
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      "annualCashGain": 6800,
      "monthlyCashGain": 566.67,
      "riseKeptPercent": 68
    },
    {
      "salary": 90000,
      "newSalary": 100000,
      "grossRise": 10000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
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      "annualCashGain": 5300,
      "monthlyCashGain": 441.67,
      "riseKeptPercent": 53
    },
    {
      "salary": 100000,
      "newSalary": 110000,
      "grossRise": 10000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
      "oldNet": 77800,
      "newNet": 83510,
      "annualCashGain": 5710,
      "monthlyCashGain": 475.83,
      "riseKeptPercent": 57.1
    },
    {
      "salary": 100000,
      "newSalary": 110000,
      "grossRise": 10000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
      "oldNet": 73379.2,
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      "annualCashGain": 4210,
      "monthlyCashGain": 350.83,
      "riseKeptPercent": 42.1
    },
    {
      "salary": 100000,
      "newSalary": 110000,
      "grossRise": 10000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
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      "annualCashGain": 6800,
      "monthlyCashGain": 566.67,
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    },
    {
      "salary": 100000,
      "newSalary": 110000,
      "grossRise": 10000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
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      "annualCashGain": 5300,
      "monthlyCashGain": 441.67,
      "riseKeptPercent": 53
    },
    {
      "salary": 110000,
      "newSalary": 120000,
      "grossRise": 10000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
      "oldNet": 83510,
      "newNet": 90210,
      "annualCashGain": 6700,
      "monthlyCashGain": 558.33,
      "riseKeptPercent": 67
    },
    {
      "salary": 110000,
      "newSalary": 120000,
      "grossRise": 10000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
      "oldNet": 77589.2,
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      "annualCashGain": 5200,
      "monthlyCashGain": 433.33,
      "riseKeptPercent": 52
    },
    {
      "salary": 110000,
      "newSalary": 120000,
      "grossRise": 10000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
      "oldNet": 84600,
      "newNet": 91400,
      "annualCashGain": 6800,
      "monthlyCashGain": 566.67,
      "riseKeptPercent": 68
    },
    {
      "salary": 110000,
      "newSalary": 120000,
      "grossRise": 10000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
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      "annualCashGain": 5300,
      "monthlyCashGain": 441.67,
      "riseKeptPercent": 53
    },
    {
      "salary": 120000,
      "newSalary": 130000,
      "grossRise": 10000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
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      "monthlyCashGain": 531.46,
      "riseKeptPercent": 63.78
    },
    {
      "salary": 120000,
      "newSalary": 130000,
      "grossRise": 10000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
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      "riseKeptPercent": 48.78
    },
    {
      "salary": 120000,
      "newSalary": 130000,
      "grossRise": 10000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
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      "annualCashGain": 6800,
      "monthlyCashGain": 566.67,
      "riseKeptPercent": 68
    },
    {
      "salary": 120000,
      "newSalary": 130000,
      "grossRise": 10000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
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      "annualCashGain": 5300,
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      "riseKeptPercent": 53
    },
    {
      "salary": 130000,
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      "grossRise": 10000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
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      "riseKeptPercent": 63.95
    },
    {
      "salary": 130000,
      "newSalary": 140000,
      "grossRise": 10000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
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    },
    {
      "salary": 130000,
      "newSalary": 140000,
      "grossRise": 10000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
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      "riseKeptPercent": 65.2
    },
    {
      "salary": 130000,
      "newSalary": 140000,
      "grossRise": 10000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
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      "riseKeptPercent": 48.34
    },
    {
      "salary": 150000,
      "newSalary": 160000,
      "grossRise": 10000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
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      "monthlyCashGain": 497.92,
      "riseKeptPercent": 59.75
    },
    {
      "salary": 150000,
      "newSalary": 160000,
      "grossRise": 10000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
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      "annualCashGain": 4275,
      "monthlyCashGain": 356.25,
      "riseKeptPercent": 42.75
    },
    {
      "salary": 150000,
      "newSalary": 160000,
      "grossRise": 10000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
      "oldNet": 110820,
      "newNet": 116920,
      "annualCashGain": 6100,
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      "riseKeptPercent": 61
    },
    {
      "salary": 150000,
      "newSalary": 160000,
      "grossRise": 10000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
      "oldNet": 98513.54,
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      "annualCashGain": 4400,
      "monthlyCashGain": 366.67,
      "riseKeptPercent": 44
    },
    {
      "salary": 160000,
      "newSalary": 170000,
      "grossRise": 10000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
      "oldNet": 114932.5,
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      "monthlyCashGain": 462.71,
      "riseKeptPercent": 55.53
    },
    {
      "salary": 160000,
      "newSalary": 170000,
      "grossRise": 10000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
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      "monthlyCashGain": 321.04,
      "riseKeptPercent": 38.53
    },
    {
      "salary": 160000,
      "newSalary": 170000,
      "grossRise": 10000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
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      "annualCashGain": 6100,
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      "riseKeptPercent": 61
    },
    {
      "salary": 160000,
      "newSalary": 170000,
      "grossRise": 10000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
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      "annualCashGain": 4400,
      "monthlyCashGain": 366.67,
      "riseKeptPercent": 44
    },
    {
      "salary": 180000,
      "newSalary": 190000,
      "grossRise": 10000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
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      "riseKeptPercent": 59.5
    },
    {
      "salary": 180000,
      "newSalary": 190000,
      "grossRise": 10000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
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      "monthlyCashGain": 371.37,
      "riseKeptPercent": 44.56
    },
    {
      "salary": 180000,
      "newSalary": 190000,
      "grossRise": 10000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
      "oldNet": 129120,
      "newNet": 135220,
      "annualCashGain": 6100,
      "monthlyCashGain": 508.33,
      "riseKeptPercent": 61
    },
    {
      "salary": 180000,
      "newSalary": 190000,
      "grossRise": 10000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
      "oldNet": 111713.54,
      "newNet": 116320,
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      "monthlyCashGain": 383.87,
      "riseKeptPercent": 46.06
    },
    {
      "salary": 190000,
      "newSalary": 200000,
      "grossRise": 10000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
      "oldNet": 132385,
      "newNet": 137615,
      "annualCashGain": 5230,
      "monthlyCashGain": 435.83,
      "riseKeptPercent": 52.3
    },
    {
      "salary": 190000,
      "newSalary": 200000,
      "grossRise": 10000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
      "oldNet": 113485,
      "newNet": 117715,
      "annualCashGain": 4230,
      "monthlyCashGain": 352.5,
      "riseKeptPercent": 42.3
    },
    {
      "salary": 190000,
      "newSalary": 200000,
      "grossRise": 10000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
      "oldNet": 135220,
      "newNet": 140600,
      "annualCashGain": 5380,
      "monthlyCashGain": 448.33,
      "riseKeptPercent": 53.8
    },
    {
      "salary": 190000,
      "newSalary": 200000,
      "grossRise": 10000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
      "oldNet": 116320,
      "newNet": 120700,
      "annualCashGain": 4380,
      "monthlyCashGain": 365,
      "riseKeptPercent": 43.8
    },
    {
      "salary": 200000,
      "newSalary": 210000,
      "grossRise": 10000,
      "scenario": "No HELP, no hospital cover",
      "helpDebt": false,
      "privateHospital": false,
      "oldNet": 137615,
      "newNet": 142765,
      "annualCashGain": 5150,
      "monthlyCashGain": 429.17,
      "riseKeptPercent": 51.5
    },
    {
      "salary": 200000,
      "newSalary": 210000,
      "grossRise": 10000,
      "scenario": "HELP, no hospital cover",
      "helpDebt": true,
      "privateHospital": false,
      "oldNet": 117715,
      "newNet": 121865,
      "annualCashGain": 4150,
      "monthlyCashGain": 345.83,
      "riseKeptPercent": 41.5
    },
    {
      "salary": 200000,
      "newSalary": 210000,
      "grossRise": 10000,
      "scenario": "No HELP, hospital cover",
      "helpDebt": false,
      "privateHospital": true,
      "oldNet": 140600,
      "newNet": 145900,
      "annualCashGain": 5300,
      "monthlyCashGain": 441.67,
      "riseKeptPercent": 53
    },
    {
      "salary": 200000,
      "newSalary": 210000,
      "grossRise": 10000,
      "scenario": "HELP, hospital cover",
      "helpDebt": true,
      "privateHospital": true,
      "oldNet": 120700,
      "newNet": 125000,
      "annualCashGain": 4300,
      "monthlyCashGain": 358.33,
      "riseKeptPercent": 43
    }
  ]
}