Pay calculators

Salary packaging: what changes your take-home pay?

At a glance

This tool shows cash salary after the quote’s pre-tax deduction, tax and repayments.

It does not add the bill or benefit paid for you, subtract post-tax fees or determine FBT eligibility. Use the benefit comparison below when you need the whole package value.

Use the calculator Read the guide

By DanUpdated 5 October 2026Sources and checks

Your details

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

Pay before tax

How often?

Quoted pre-tax deduction per year

The annual amount from your provider. Post-tax payments and fees need to be allowed for separately.

Expected reportable fringe benefit

Use the quoted reportable amount, not the value of a bill paid.

I have a HECS / HELP study loan

Super and tax year

Your salary includes

Financial year

Use the minimum super contribution capOnly changes high-income estimates. Untick if your employer pays 12% on all salary.

Study loan balance

Remaining study loan balance

Optional. Leave empty unless you want to cap the repayment at your current debt.

Hospital cover and household

I have qualifying hospital coverFull year, including required dependant cover. Extras-only cover does not qualify.

Household

Partner annual income

For the surcharge income test, including relevant add-backs.

Partner taxable income

For the ordinary Medicare levy family reduction.

Dependent children

Deductions and extra income

Include the standard work deductionUp to $1,000 for eligible salary in 2026-27. Settled at tax time, so payroll may withhold more.

Super salary sacrifice per year

Net investment losses

Exempt foreign employment income

Included for HELP repayment income only.

I have a full-year Medicare levy exemptionOnly select if you meet the ATO conditions. Separate from hospital cover.

I have a full-year surcharge exemptionSeparate conditions apply. Do not assume the levy exemption covers your dependants.

Hours and paid weeks

Paid hours per week

Paid weeks per yearUse fewer weeks only for unpaid time off.

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

Estimated monthly take-home

$6,483.33

per month, based on your annual tax estimate

Weekly$1,496.15

Fortnightly$2,992.31

Yearly$77,800.00

Take-homeTaxMedicareHELPSurchargePre-tax

Cash salary before tax: $100,000
Income tax after offset: $20,220
Medicare levy: $1,980
Medicare levy surcharge: $0
HELP repayment: $0
Pre-tax salary deductions: $0
Yearly take-home: $77,800

Employer super, separate from cash$12,000

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.

On this page

Start with the quote, not a promised saving

Ask for the annual pre-tax deduction, any post-tax employee payment, fees and expected reportable fringe benefits. Each can affect the result differently. Do not treat a package provider’s advertised tax saving as cash you receive.

Use the annual pre-tax amount in the extra settings. Put the expected reportable benefit into the separate field. The calculator does not infer a reportable amount from the deduction.

Choose the comparison that matches the quote

For a bill-paying benefit, compare the usable benefit with the cash salary you give up, the fee and any extra HELP or surcharge. Our not-for-profit comparison tool keeps those amounts separate. For a car quote, start with the quoted salary deductions, then add the finance and ownership costs.

Extra super is a different decision again: the money goes into retirement savings, rather than paying a current household bill. The salary sacrifice tool compares the cash cost with the extra super after ordinary fund tax.

Compare a quoted bill-paying benefit Compare extra super with cash today Check a car quote’s salary effect

HELP can offset part of the apparent saving

Reportable fringe benefits may increase HELP repayment income and the surcharge income test. Benefits provided by some exempt employers can still be reportable for these tests.

The salary result can fall even when the package pays a bill for you. To judge the overall benefit, add the usable bill payment and subtract quoted fees or post-tax payments. The separate benefit calculator shows those parts alongside HELP and tax.

HELP uses its own income test. Reducing taxable salary does not always reduce the repayment.

Employer and benefit rules matter

Health, charity and other eligible employers may have different packaging arrangements and caps. A generic salary tool cannot determine whether your employer or benefit qualifies. Ask payroll or the provider to explain the rule applying to the specific package.

This estimate excludes package provider fees, post-tax payments and benefit valuation unless you allow for them separately. The total value depends on whether the benefit replaces spending you would otherwise make.

Sources you can check

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

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