Salary vs hourly pay
Annual salary and hourly wages can produce different pay patterns. When comparing the two, consider ordinary hours, overtime, casual loading, leave arrangements and superannuation.
Free Australian financial tool
Australian Pay Calculator
Estimate your Australian take-home pay after income tax and superannuation. Use the calculator to explore salary, hourly and casual pay scenarios for the selected financial year.
Your Pay Summary Awaits!
Fill in your details and hit "Calculate" to see your personalized breakdown.
2025–2026 & 2026–2027 Tax & Superannuation Benchmark Reference
Calculations are aligned with official Australian Taxation Office (ATO) guidelines and Fair Work Ombudsman standards. The Superannuation Guarantee rate is 12%. Stage 3 tax brackets apply across resident income thresholds, including the 2% Medicare levy.
Sample Annual Salary$95,000.00
Estimated Annual Tax (Approx.)$22,238.00
Employer Super (12%)$11,400.00
How the Australian pay calculator works
Enter your pay information and the calculator estimates the resulting take-home amount after the applicable tax and superannuation calculations supported by the selected financial year. For more details on tax rates, visit our tax information guide.
Your actual net pay can depend on circumstances that are not represented by a simple salary calculation, including tax withholding arrangements, deductions, salary packaging, employment conditions, and employer superannuation contributions.
Understanding take-home pay
Take-home pay is the amount remaining after applicable withholding and other deductions represented by the calculator. It is different from your gross salary or advertised hourly rate.
Australian pay calculator FAQ
Can I use the calculator for hourly pay?
Yes. The calculator supports both annual salary and hourly pay scenarios with custom hours per week.
Does the calculator provide financial advice?
No. It provides an estimate based on the information entered and the selected financial year. It should not be treated as personalised financial or tax advice.
Why can my actual payslip differ from the estimate?
Actual pay can differ because of individual tax circumstances, deductions, salary packaging, employment arrangements and other payroll factors.
What are the 2025–2026 Australian income tax brackets?
For the 2025–2026 financial year under the Stage 3 tax cuts, resident tax rates are: 0% up to $18,200; 16% for $18,301 to $45,000; 30% for $45,001 to $135,000; 37% for $135,001 to $190,000; and 45% for amounts over $190,000, plus the standard 2% Medicare levy.
How is superannuation calculated on ordinary time earnings (OTE)?
Superannuation is calculated as a percentage of your Ordinary Time Earnings (OTE). The Super Guarantee (SG) rate is set at 12% for the 2025–2026 and 2026–2027 financial years as mandated by Australian law.
What is the HECS/HELP repayment threshold for 2025–2026?
The compulsory repayment thresholds and rates for HELP, VSL, and other study loans are indexed annually by the ATO. Repayments begin once your repayment income meets the minimum threshold set for the specific financial year.