Payslip preview
FY 2026–27Gross pay$3,269.23
Income tax (PAYG)$682
HELP repayment$0
Take-home payper fortnight
Employer super: $392.31 per fortnight
Updated for 1 July 2026 tax rates
Pay calculator Australia: what lands in your account
Type your salary or hourly rate. You'll see the payslip your employer would produce, using the same ATO withholding formulas payroll software uses.
RBA decision on 29 September 2026. See what it means for your mortgage
Your pay in every cycle
Each column is calculated on its own, the way payroll does it, so small rounding differences between columns are normal.
| Weekly | Fortnightly | Monthly | Yearly | |
|---|---|---|---|---|
| Gross pay | $1,634.62 | $3,269.23 | $7,083.33 | $85,000 |
| Income tax | $341 | $682 | $1,478 | $17,732 |
| Take-home pay | $1,293.62 | $2,587.23 | $5,605.33 | $67,268 |
| Employer super | $196.15 | $392.31 | $850 | $10,200 |
Will you get a refund at tax time?
Payroll withholds tax as if every pay is the same. Your tax return works out the real bill for the year, including the low income tax offset. Here's the difference if this is your only income.
Estimated refund:
Based on your selected pay cycle for a full year of 26 pays.
| Taxable income | $85,000 |
|---|---|
| Income tax | $16,020 |
| Medicare levy | $1,700 |
| Total for the year | $17,720 |
| Withheld from your pay | $17,732 |
Take-home pay on popular salaries
Fortnightly take-home for an Australian resident claiming the tax-free threshold, no HELP debt. Each one has a full breakdown.
$45,000$1,542.77 a fortnight$50,000$1,673.08 a fortnight$60,000$1,933.69 a fortnight$65,000$2,062 a fortnight$70,000$2,194.31 a fortnight$75,000$2,324.62 a fortnight$80,000$2,454.92 a fortnight$90,000$2,717.54 a fortnight$100,000$2,978.15 a fortnight$110,000$3,240.77 a fortnight$120,000$3,501.38 a fortnight$130,000$3,762 a fortnight$150,000$4,245.23 a fortnight$180,000$4,949.08 a fortnight$200,000$5,388.31 a fortnight$250,000$6,407.38 a fortnight
How we calculate your pay
Employers don't calculate tax with the brackets you see in the news. They use the ATO's Schedule 1 statement of formulas, which turns the tax brackets, Medicare levy and offsets into one straight line per income band:
y = ax − b
x is your weekly earnings in whole dollars plus 99 cents. a and b come from the ATO's coefficient table for your situation (tax-free threshold, foreign resident, Medicare exemption). The result is rounded to the nearest dollar. Fortnightly pay is halved first then doubled back; monthly pay is multiplied by 3/13, then the weekly result by 13/3.
HELP and other study loans are added using Schedule 8, the same way.
Matches all 720 ATO sample results
2026–27 tax rates for Australian residents
| Taxable income | Rate | Tax on this income |
|---|---|---|
| $0 to $18,200 | 0% | Nil |
| $18,201 to $45,000 | 15% | 15c per $1 over $18,200 |
| $45,001 to $135,000 | 30% | $4,020 plus 30c per $1 over $45,000 |
| $135,001 to $190,000 | 37% | $31,020 plus 37c per $1 over $135,000 |
| $190,001 and over | 45% | $51,370 plus 45c per $1 over $190,000 |
Plus the 2% Medicare levy. The 15% rate replaced 16% on 1 July 2026.
Questions people ask
Why is the tax on my payslip different to my tax return?
Your employer withholds tax using ATO formulas that assume you earn the same amount every pay for a whole year. Your tax return uses your actual income for the year, applies the low income tax offset, your deductions and any other income. The difference becomes your refund or bill.
What changed on 1 July 2026?
The tax rate on income between $18,201 and $45,000 dropped from 16% to 15%. The HELP repayment threshold rose to $69,528. Most people earning over $45,000 get about $268 more a year from the rate cut alone.
When do I start repaying HELP?
Once your repayment income is over $69,528. You repay 15c for each dollar above that, then $9,028 plus 17c per dollar above $129,717. From $186,051 you repay 10% of your whole repayment income.
Is super taken out of my pay?
No. The 12% super guarantee is paid by your employer on top of your salary. If your job was advertised as a package "including super", tick that option and we'll split the package into salary and super for you.
Should I claim the tax-free threshold on a second job?
Usually not. You can only claim it from one payer at a time. If you claim it twice, too little tax is withheld and you'll likely get a bill at tax time.
Does this cover working holiday makers?
Not yet. Working holiday makers are taxed under a separate ATO schedule, starting at 15% from the first dollar. Foreign residents on other visas are covered using the foreign resident option.
Does this include the Medicare levy surcharge?
No. The surcharge only applies at tax time if you earn above the threshold and don't have private hospital cover, so it isn't withheld from your pay.