Pay calculators

What is your job worth per real hour?

Your working day does not always end at paid hours. Add the commute, unpaid overtime and costs that come with the job.

1

Your details

Start with your pay. Everything else depends on your situation.

Usually 52 with paid annual leave.
Commute, unpaid time and costs
Allow for leave. Separate from paid weeks.
Super and tax year
Study loan balance
Optional. Leave empty unless you want to cap the repayment at your current debt.
Hospital cover and household
For the surcharge income test, including relevant add-backs.
For the ordinary Medicare levy family reduction.
Deductions and extra income
Use a quoted amount. Packaging fees and post-tax payments are outside this estimate.
Annual reported amount, not the lease payment.
Included for HELP repayment income only.

Full-year Australian resident estimate. Figures update as you type. Your inputs stay on this device.

Your real hourly pay

$33.35

after work costs, commuting and unpaid time

Usual net hourly pay$35.93
Yearly work costs$3,500.00
Yearly cash left$67,500.00
Take-home pay and annual deductions
Take-homeTaxMedicareHELPSurchargePre-tax
Cash salary before tax
$90,000
Income tax after offset
$17,220
Medicare levy
$1,780
Medicare levy surcharge
$0
HELP repayment
$0
Pre-tax salary deductions
$0
Yearly take-home
$71,000
Employer super, separate from cash$10,800

Annual estimate, not an exact payslip. Includes the selected tax-time deduction. Medicare uses the latest legislated thresholds; a later 2026-27 uplift may change the result.

See assumptions and limits

Full-year Australian tax resident. Pay periods divide the annual estimate; your payslip withholding can differ.

Includes the $1,000 standard work deduction for 2026-27, limited to salary earned. No other work deductions are claimed. This saving may arrive when you lodge your tax return.

Medicare uses the latest legislated low-income thresholds. The final 2026-27 thresholds may be increased.

Super uses the annual minimum contribution cap. Your contract may provide more.

Work costs come from take-home pay with no itemised tax claim assumed. Time given includes ordinary hours, commuting and unpaid work during weeks actually worked. Paid leave remains in annual salary but is excluded from time given.

On this page
The short answer

Real hourly pay is take-home income after work costs divided by the total time the job takes. It is a personal comparison measure, separate from your contractual hourly rate or award entitlement.

Count the time you actually give the job

Enter commute minutes for one direction; the tool doubles them for the return trip. Add regular unpaid overtime separately. Working weeks are the weeks you actually attend work, after allowing for leave. They are used for ordinary working time, commuting and unpaid overtime.

Paid salary is annualised separately. A salaried employee with paid leave can have 52 paid weeks but only 46 working weeks. At 38 ordinary hours a week, that means 1,748 hours actually worked before adding commuting or unpaid overtime. Paid leave adds to your income without adding hours at work.

From annual take-home to real hourly payMONEY KEPTTake-home pay less work costsTIME GIVENPaid hours + commute + unpaid workREAL HOURLY PAYMoney kept divided by time given
A personal cash-and-time comparison, separate from an employment-law hourly rate.

Only include costs caused by work

Travel tickets, parking, tolls and extra work-related spending can be useful inputs. Add costs you would avoid if you stopped doing this job. Do not put all household spending into the work-cost fields.

This tool subtracts those costs from take-home pay. It does not claim they are all tax-deductible. Ordinary home-to-work travel is generally different from travel between workplaces for tax purposes.

Use it to compare two real options

A job with more salary can still offer less cash per real hour if it needs more unpaid time or a much longer commute. Run the same set of assumptions for each role before comparing.

The result cannot decide whether a job is worthwhile. Career progression, flexibility, security and enjoyment matter too. It gives you a clearer money-and-time starting point for that decision.

Common questions

Is this the hourly rate my employer must pay?

No. This is a personal measure of cash and time. Minimum pay and award entitlements are based on employment law and the relevant working arrangement.

Are commute costs tax-deductible?

Not automatically. This tool treats them as personal spending caused by work, not as a claim on your tax return. Ordinary commuting is generally private travel.

Sources you can check

Sources checked for this page on 2 October 2026. Statistics keep their own measurement dates.

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