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Your budget starts with the amount you keep
A salary is useful for comparing roles. Take-home pay is what you use to cover rent, groceries, savings and the rest of your life. Check the figure after tax before deciding what a job offer lets you spend.
Use the same assumptions when you compare jobs. A rate including super, a rate plus super and a casual rate with loading can describe different arrangements. The calculator does not decide which loading or award applies to your role.
A worked take-home pay example
Start with $90,000 a year, excluding employer super. That gives $90,000 in annual salary. Our annual tax calculation leaves $5,917 a month without HELP, or $5,673 with HELP.
| Measure | Amount |
|---|---|
| Gross pay for the year | $90,000 |
| Annual cash after tax, no HELP | $71,000 |
| Monthly equivalent, no HELP | $5,917 |
| Monthly equivalent, with HELP | $5,673 |
Start with the salary on your contract
Enter your pay before tax. A salary advertised as “plus super” is the cash salary; employer super is paid on top. If the offer says “including super”, select that option so you do not count retirement savings as money for bills.
Choose how you are paid, then add HELP debt if it applies. Most readers can leave the extra settings closed. They are there for salary sacrifice, private hospital cover and a family income check.
What the result tells you
The estimate starts with a full year of the same salary. It works out income tax, the low income tax offset where eligible, Medicare, any Medicare levy surcharge and compulsory HELP repayments. Employer super is shown separately.
For 2026-27, the annual estimate includes the new standard work deduction for eligible salary income unless you turn it off. The deduction is settled at tax time. Your employer may withhold more during the year, so the figures are a budgeting guide rather than a promise about your next payslip.
Weekly, fortnightly and monthly figures are annual amounts divided by 52, 26 and 12. Payroll timing, a part-year job, other income and personal deductions can change the final result.
Common questions
Does the calculator include super?
Employer super is shown separately from take-home pay. Choose “Package includes super” if the figure on your offer includes it. The standard guarantee rate is 12%, subject to the maximum contributions base.
Will this match my payslip exactly?
It estimates your annual tax position and converts it into pay periods. Payroll withholding, rounding, other income and deductions can change the amount paid each payday. The standard work deduction may be reflected only at tax time.
Is my salary saved?
The calculation runs on your device. Paycalcmate does not save your salary in an account or send calculator entries to its analytics. Copy and share only happen when you choose them.
Sources you can check
Sources checked for this page on 3 October 2026. Statistics keep their own measurement dates.
- ATO: Australian resident income tax rates
- ATO: study and training loan repayment thresholds
- ATO: super guarantee
- Fair Work Ombudsman: pay and wages
- Fair Work Ombudsman: annual leave
- ATO: Medicare levy reduction for low-income earners
- ATO: Medicare levy surcharge thresholds and rates
- Tax Reform Act 2026: standard work deduction
- Official 2026 indexed HELP repayment amounts