💵 Australia Take-Home Pay Calculator
An Australian take-home pay calculator works out your net salary after income tax, the low income tax offset, the 2% Medicare levy, and optional HECS-HELP repayments. Enter your annual salary to see monthly take-home pay using 2026-27 ATO resident tax brackets, including the new 15% second bracket.
Salary details
Monthly take-home pay
$5,890.00
$70,680.00 per year — Australian residents, 2026-27 rates
Income tax (after LITO)
$17,520.00
Medicare levy
$1,800.00
Effective tax rate
21.47%
| Item | Annual |
|---|---|
| Gross salary | $90,000.00 |
| Income tax (after LITO) | −$17,520.00 |
| Medicare levy (2%) | −$1,800.00 |
| Take-home pay | $70,680.00 |
| Employer super guarantee (12%, paid on top) | +$10,800.00 |
Estimate only, not tax advice. Australian tax residents, 2026-27 ATO rates (verified July 2026); excludes private health insurance surcharge, offsets other than LITO, and deductions.
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Frequently asked questions
What are the Australian tax brackets for 2026-27?▾
What is the Medicare levy?▾
What is the Low Income Tax Offset (LITO)?▾
How do HECS-HELP repayments affect take-home pay?▾
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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates and not financial advice. Consult a licensed financial advisor before making financial decisions.