Take-home pay · 2026-27
Pay calculator 2026-27
See where every dollar of your Australian pay goes. Enter your salary to break down your take-home pay, income tax, Medicare levy, HELP/HECS and employer super on current ATO rates - the same engine that powers FinanceOS.
Frequently asked questions
How is my take-home pay calculated?
Your take-home pay is your salary less income tax, the Medicare levy, and any compulsory HELP/HECS repayment. This calculator uses the current ATO resident rates and shows the figure per year, month and week.
Is super included in my salary?
It depends on your offer. If your package is quoted 'including super', switch the toggle on and the calculator separates the employer super component before working out tax. If super is paid on top, leave it off.
Does this include the Medicare levy?
Yes. The Medicare levy of 2% of taxable income is included, with the low-income reduction applied automatically. The Medicare levy surcharge (for higher earners without private hospital cover) is not modelled here.
How does my HELP/HECS debt affect my pay?
Enter your HELP balance and the calculator adds your compulsory repayment, worked out on the current marginal HELP rates, to the deductions from your pay. Leave it at 0 if you have no study loan.
Are these 2026-27 tax rates?
Yes. The calculator uses the 2026-27 resident tax rates, including the 15% second bracket that applied from 1 July 2026. You can check every assumption and source on the methodology page.
Save this to your FinanceOS dashboard
Create a free workspace to keep these numbers, track them across the financial year, and model salary sacrifice, extra super, and HELP timing with your own figures. Built for Australia on current ATO rates.
Estimate only - based on the figures you enter and the assumptions shown. General information, not financial, tax, or legal advice.