Work out your take-home pay under current ATO tax brackets, the 12% Superannuation Guarantee, marginal HECS/HELP repayments and the Medicare Levy — for employees, contractors and payroll professionals.
Pre-tax salary sacrificed into super is taxed at 15% inside the fund instead of your marginal rate, and reduces your PAYG taxable income. It counts toward your concessional contributions cap along with employer SG.
| Gross Salary / OTE (Annual) | $0 |
| PAYG Taxable Income | $0 |
| − Income Tax (PAYG) | −$0 |
| − Medicare Levy | −$0 |
| Net Take-Home Pay (Annual) | $0 |
| + Employer Super Contribution | $0 |
| Period | Gross Pay | Income Tax | Medicare | HECS/HELP | Super (Employer) | Net Take-Home |
|---|
PAYG (Pay As You Go) withholding is how your employer collects income tax on the ATO's behalf, deducting an estimate of your annual tax liability from every pay cycle so you don't face one large bill at tax time.
Claim it with your main employer only. Claiming it on two jobs means both employers withhold as if each is your only income, which usually leads to under-withholding and a tax debt at EOFY.
Since 1 July 2025, compulsory repayments use a marginal system — like income tax brackets — applied to your total repayment income (which can be broader than taxable income), not your outstanding debt size.
Concessional (before-tax) contributions — employer SG, salary sacrifice, personal deductible — are capped and taxed at 15% in the fund. Non-concessional (after-tax) contributions have a separate, larger cap.
Enter your income and choose whether it's an annual salary, or a monthly, fortnightly or weekly figure — the calculator converts everything to an annual basis first. Select the financial year: 2026–27 (current, from 1 July 2026) applies the reduced 15% second tax bracket, while 2025–26 uses the prior 16% rate for anyone reconciling an earlier pay period.
Choose your superannuation structure. If your employment contract states a salary plus super, your employer pays Super Guarantee (SG) on top of your stated pay. If your package is inclusive of super, the SG amount is carved out of the total figure you entered, leaving a slightly lower cash salary that PAYG tax is actually calculated on.
Set your residency status, tax-free threshold claim, Medicare Levy status, private hospital cover, and whether you have a HECS/HELP or other student loan. The results column updates instantly, showing your PAYG tax, Medicare Levy, HECS/HELP repayment, employer super contribution and net take-home pay at your selected pay frequency, plus a full pay-slip breakdown table and bracket visualizer.
Worked example: A $100,000 salary-plus-super employee in 2026–27, claiming the tax-free threshold with no HECS debt, pays $20,520 in income tax and $2,000 Medicare Levy — a total of $22,520 — leaving roughly $77,480 net for the year, plus a separate $12,000 employer super contribution (12% SG).
This calculator provides general estimates for informational purposes and is not tax, legal, or financial advice. It does not account for every offset, deduction or individual circumstance. Confirm your figures with the ATO or a registered tax agent. Tax brackets, Medicare Levy thresholds, Superannuation Guarantee rate and HECS/HELP thresholds reflect currently legislated and indexed ATO figures as at July 2026; indexed thresholds are confirmed annually and may be updated after this page was published. Read the full PAYG Tax Calculator Guide for a complete walkthrough, including the current tax brackets and PAYG formulas.