Calculate∑ What your result means
This combines income tax, the Medicare levy and — if applicable — compulsory HECS-HELP repayments to show what actually lands in your bank account from your gross salary.
Australia Net Salary & Take-Home Pay Calculator
See your estimated net pay after tax, the Medicare levy, and any HECS-HELP repayments.
Your details
$
$/yr
Gross salary$95,000
Sacrificed to super$0
Income-tax and Medicare base$95,000
HECS repayment income$95,000
◇ Your values stay in this browser.
Verified for 2026-27Methodology 2026-27.1 · reviewed 2026-08-08 · review by 2027-06-01
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Compare scenarios
Change annual gross salary to see how estimated annual take-home responds.
Understand your result
Clear context for the values above.
Estimated annual take-home
Estimated annual take-home is included so you can interpret this estimate and make a better-informed comparison.
Estimated monthly take-home
Estimated monthly take-home is included so you can interpret this estimate and make a better-informed comparison.
Income tax
Income tax is included so you can interpret this estimate and make a better-informed comparison.
HECS-HELP repayment
HECS-HELP repayment is included so you can interpret this estimate and make a better-informed comparison.
How to use this calculator
- 1Enter your current annual gross salary, salary sacrificed to super, has hecs-help debt.
- 2Review the headline estimated annual take-home and the supporting figures beside it.
- 3Change one input at a time to see which assumption has the biggest effect.
- 4Confirm current Australian rates and thresholds with an official source before acting.
Explore this calculator
What your result means →The headline estimated annual take-home is based on the inputs currently shown above.Key terms explained →Review the key terms and figures used to calculate this result.How to use this calculator →Enter your figures, review the live result, compare scenarios, then save or print your estimate.The calculation formula →The calculation follows the standard formula for this calculator. Results update whenever an input changes.Worked example →Using the current values produces $74,080.Assumptions and limitations →Review the assumptions used to produce this estimate before relying on it.Costs or factors not included →Review any costs, fees or rules not automatically included before making a decision.Frequently asked questions →How accurate is this estimate? What should I check before relying on it? Can I save or share the result?
▦ How this calculator works
Salary sacrificed to super is deducted before tax to get taxable income; income tax and the 2% Medicare levy are applied to that taxable income. HECS-HELP repayments, though, use a separate ATO-defined 'repayment income' that adds salary-sacrificed super back on top of taxable income, since sacrificing to super doesn't reduce your compulsory repayment the way it reduces income tax.
◇ Assumptions and what's not included
Other pre-tax deductions, the Low Income Tax Offset, private health insurance rebates, and any Medicare Levy Surcharge are not included, so your real payslip figure may differ.
▤ What to do next
Use the monthly figure to build a household budget, and re-run the estimate whenever your salary, super sacrifice amount, or HECS balance changes.
Australia-specific contextFigures use AUD and current published rates and thresholds.
Reviewed for clarityUpdated 3 August 2026.
ImportantFor planning and educational use — not tax, legal or financial advice.
Your privacy mattersInputs stay in your browser.
Frequently asked questions
Does salary sacrifice reduce my tax?+
Yes — amounts sacrificed to super are removed from taxable income before tax is calculated, though they're then taxed at 15% inside your super fund instead.
Does salary sacrifice also reduce my HECS-HELP repayment?+
No — the ATO's 'repayment income' definition adds salary-sacrificed super back on top of your taxable income, so sacrificing to super lowers your income tax but not your compulsory HECS-HELP repayment.
Why does having a HECS debt reduce my take-home pay?+
Once your income passes the compulsory repayment threshold, a percentage of your income is withheld automatically to repay the debt, on top of income tax.
Is this the same as my payslip?+
It's an annual planning estimate. Your actual payslip depends on your exact tax file declarations, pay frequency and any other deductions.
Does this include superannuation guarantee contributions?+
No, the Super Guarantee your employer pays on top of salary is not shown here — see the Superannuation calculator for that.
Official references
Rules and thresholds used by this calculator are labelled for 2026–27 or formula-labelled period. Review the primary guidance before making a filing, borrowing, benefit or investment decision.
Last source review: 3 August 2026. Calculator results are estimates and may exclude circumstances described in the methodology.