Pay Calculator
Why this PAYG Calculator?
Simply enter your Gross Income and select earning period. This Calculator will display:
Income tax on your Gross earnings , Medicare Levy(only if you are using medicare) ,Superannuation paid by your employer (standard rate is 12% of your gross earnings).
Finally, Your Take Home Pay after deducting Income Tax and Medicare. You can check any option if it applies to you.
Stage 3 Tax Cuts
This Calculator is now updated with new tax rates announced by Goverment On 25 January 2024.These rates will be affective from 1 July 2024.
For more info, Please see Stage 3 Tax Rates
| Net Income | 0.00 |
| Gross Income | NaN |
| Superannuation | 0.00 |
| Income Tax | 0.00 |
| Medicare levy | 0.00 |
| Help-Debt | 0.00 |
| Total Taxes | 0.00 |
NOTE:Although calculations in this calculator are according to ATO Tax Threshholds, it should still be considered as an estimate only.
Calculations in this calculator assumes that you are single with no dependants.
Tax Rates For Residents, Non-Resident and Backpackers.
Australian residents for tax purpose are exempted from tax if annual gross income is less than $18200. For income of more than $18200, tax is levied at different rates.
Unlike Department of Home Affairs, a person can be , Resident for tax purpose in ATO records even if they don’t have Australian permanent visa or Australian Passport, OR Non-resident for tax purpose even if they have visa to visit Australia. Usually, a person with less than 6 months visa is considered as Non-Resident for tax purpose.You can Check your eligibility here. Working holiday makers or Backpackers are people who are holder of visa subclass 417 or 462 visa.For Backpackers, first $45000 is taxed at 15% and any amount earned after that is taxed at resident tax rates. Check your visa status here. NOTE: Non-residents and Backpackers are not eligible for any Tax free threshold and Tax Offsets.
| Tax Bracket | Tax Rate % |
| $0 - $18200 | 0% |
| $18200 - $45000 | 16% |
| $45000 - $135000 | $4288 plus 30 cent for each $1 over $45000 |
| $135000 - $190000 | $31288 plus 37 cent for each $1 over $135000 |
| $190000 or above | $51638 plus 45 cent for each $1 over $190000 |
Superannuation
Superannuation is the certain amount of money paid by your employer in your superannuation account in addition to your salary. Current standard rate for superannuation is 11% of your taxable income. However, some employers pay more than 11%. This amount is accessible only at the time of your retirement or if you are leaving country permanently. From July 2021, superannuation is guaranteed to increase by 0.5% every financial year until it reaches 12% in July 2025. Some companies offer a salary package where 11% of superannuation is included in it. For this scenario, you need to check “Incudes Super” in options when using our Calculator For more informaton, visit ATO.
Medicare
Medicare is Australian health support program which allows Australian residents to access free medical facilities.Every taxpayer who is enrolled in this program pays 2% of taxable income to support Medicare scheme. For singles earning more than $90000 and couples earning more than $180000, there's an additional Medicare Levy Surcharge (MLS) of upto 2%.
HECS, HELP, VET, SSL, TSL Tax Rates
In Australia, the government offers several student loan programs to help individuals access and afford higher education and training. The Higher Education Contribution Scheme (HECS), now part of HECS-HELP, assists eligible Commonwealth-supported students with paying their university tuition fees, allowing them to defer payment until their income reaches a certain threshold. The Higher Education Loan Program (HELP) is the broader system that includes HECS-HELP, as well as other loan types like FEE-HELP (for full-fee-paying students), SA-HELP (for student services and amenities fees), and OS-HELP (for overseas study). VET Student Loans (VSL) support students enrolled in approved diploma-level and above courses at vocational education and training providers, helping them cover tuition costs, often with capped amounts. The Student Start-up Loan (SSL) is available to eligible full-time students receiving government income support (like Youth Allowance or Austudy) and provides financial assistance for study-related costs such as textbooks or equipment. Meanwhile, the Trade Support Loan (TSL) is designed for apprentices in priority trades, offering loan payments throughout the apprenticeship with a 20% discount upon completion. All these loans are repaid through the Australian tax system once the recipient's income exceeds the annual repayment threshold, with no interest charged—only indexation in line with inflation.
HECS, HELP, VET, SSL, TSL Tax Rates
| Tax Bracket | Tax Rate % |
| $0 - $56155 | 0% |
| $56156 - $64837 | 1% |
| $64838 - $68726 | 2% |
| $68727 - $72851 | 2.5% |
| $72852 - $77222 | 3% |
| $77223 - $81855 | 3.5% |
| $81856 - $86766 | 4% |
| $86767 - $91973 | 4.5% |
| $91974 - $97491 | 5% |
| $97492 - $103341 | 5.5% |
| $103342 - $109542 | 6% |
| $109543 - $116115 | 6.5% |
| $116116 - $123081 | 7% |
| $123082 - $130466 | 7.5% |
| $130467 - $138294 | 8% |
| $138295 - $146593 | 8.5% |
| $146594 - $155388 | 9% |
| $155389 - $164711 | 9.5% |
| $164712 or above | 10% |
Yes, our calculators use the latest ATO tax rates and thresholds for each financial year. However, results are estimates only and should not replace professional financial advice.
The main difference between salary and wages lies in how an employee is paid and how their work is measured. Salary is a fixed regular payment, typically quoted on an annual basis, and paid in equal installments (e.g., weekly or monthly), regardless of the number of hours worked. It’s common for full-time professional or office-based jobs. Wages, on the other hand, are paid based on the number of hours worked, usually at an hourly or daily rate. Wages are more typical in casual, part-time, or shift-based roles. While salaried employees may not receive extra pay for overtime, wage earners are generally entitled to overtime rates for additional hours worked.
Take-home pay in Australia refers to the amount of money an employee receives after all mandatory deductions are subtracted from their gross salary or wage. These deductions typically include income tax under the PAYG (Pay As You Go) system, the Medicare levy, and any applicable student loan repayments like HECS-HELP. In some cases, additional deductions such as salary sacrifice arrangements or union fees may also apply.
Gross pay and net pay represent two key figures on a worker’s earnings statement. Gross pay is the total amount earned before any deductions, such as taxes, service fees, or other withholdings. In contrast, net pay is the actual amount received after those deductions are subtracted. Understanding the difference is important for budgeting and financial planning, as net pay reflects your real, usable income.