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Australia's clearest take-home pay calculator for the 2025–26 financial year. Income tax, Medicare levy, HECS/HELP and 12% super — worked out the second you type.
Your take-home pay is your gross income minus three things the ATO takes before you ever see it: income tax, the 2% Medicare levy, and — if you have a student loan — your HECS/HELP repayment. Superannuation (12% in 2025–26) is paid by your employer into your super fund, so it never hits your bank account and is shown separately.
| Taxable income | Tax on this income |
|---|---|
| $0 – $18,200 | Nil |
| $18,201 – $45,000 | 16c for each $1 over $18,200 |
| $45,001 – $135,000 | $4,288 + 30c for each $1 over $45,000 |
| $135,001 – $190,000 | $31,288 + 37c for each $1 over $135,000 |
| $190,001 and over | $51,638 + 45c for each $1 over $190,000 |
These rates exclude the 2% Medicare levy. The same scale applies to 2024–25 and 2025–26; the 16% rate is legislated to fall to 15% from 1 July 2026.
If you earn under about $66,700 you also get the Low Income Tax Offset (LITO) — up to $700, which this calculator applies automatically — so your real tax is lower than the bracket figure alone. Salary sacrificing to super reduces the income you're taxed on, which is why the optional field can noticeably lift your take-home while growing your super.
From 2025–26, student-loan repayments only apply to income above $67,000 (not your whole income, as before). You repay nothing under $67,000, then 15% of the slice between $67,000 and $125,000, then $8,700 + 17% above $125,000, and a flat 10% of total income once you earn $179,286 or more.
The super guarantee is 12% for 2025–26. If your salary is quoted "plus super", your employer adds 12% on top. If it's a "package including super", switch the super option to Included in package and the calculator splits your base salary from the super component before working out tax.
On an $80,000 salary in 2025–26 you pay about $16,288 income tax plus a ~$1,600 Medicare levy, for roughly $62,112 take-home (before any HECS/HELP). Your employer also pays $9,600 super on top.
Yes. The 2% Medicare levy is included in your tax. A low-income reduction applies near the threshold (about $27,000 for singles), which the calculator phases in automatically.
No — super is paid into your fund, not your bank account. We show it separately so you can see your full remuneration without it distorting your take-home figure.
Choose Included in package under the super option. We back out the 12% super, then calculate tax on the remaining base salary.
It uses the published 2025–26 ATO resident rates, Medicare levy, the new HECS/HELP marginal thresholds and the 12% super guarantee. It's an estimate for general guidance, not tax advice — always confirm with the ATO or your accountant.