Calculate Your Take-Home Pay
in Australia

For Australian residents: $0-$18,200 is tax-free, $18,201-$45,000 is taxed at 16%, $45,001-$135,000 at 30%, $135,001-$190,000 at 37%, and income over $190,000 at 45%. These rates do not include the 2% Medicare levy. They reflect the Stage 3 tax cuts effective from 1 July 2024.

From 1 July 2025, the Superannuation Guarantee rate is 12% of your ordinary time earnings. This is paid by your employer on top of your salary. Some employers may include super within your total salary package — check your employment contract.

From 2025-26, HECS/HELP uses a new marginal repayment system. You only repay on income above $67,000 (up from $54,435). The rate is 15 cents per dollar above $67,000 up to $125,000, then $8,700 plus 17 cents per dollar above $125,000, up to a max of 10% of total income for incomes above $179,285.

The Medicare levy is 2% of your taxable income, funding Australia's public health system. Most Australian residents pay it. If you earn less than $26,000, you may pay reduced or no levy. Low-income phase-in applies between $26,000 and $32,500.

The LITO is a tax offset of up to $700 for individuals earning up to $37,500. It reduces gradually between $37,500 and $45,000 at 5 cents per dollar, then between $45,000 and $66,667 at 1.5 cents per dollar, reaching zero at $66,667.

In 2025-26, a mid-level developer on $110,000 takes home about $84,012 a year after income tax and the Medicare levy, a senior engineer on $140,000 takes home about $104,062, and an IT manager on $200,000 takes home about $139,862 (residents, no HECS/HELP, super paid on top). See the IT salaries table above or enter your own salary.

Yes, if you are paid as a PAYG employee through an agency or payroll company: select "Daily" and enter your day rate. If you contract through your own ABN or company, no tax is withheld from your invoices - you set aside tax yourself, may need to register for GST once turnover reaches $75,000, and your super is your own responsibility, so treat the result as a guide only.

Aussie IT Jobs (aussieitjobs.com.au) lists permanent, contract and remote IT and tech jobs across Sydney, Melbourne, Brisbane, Perth, Canberra and Adelaide, including cloud, data, DevOps, cybersecurity and software engineering roles. It is free for job seekers.

Aussie IT Jobs runs free Australia Tech Communities for software development, cloud & DevOps, AI, data, cybersecurity, Microsoft, Salesforce, SAP and more, and lists upcoming IT conferences, meetups and webinars in Sydney, Melbourne, Brisbane, Perth, Canberra and online. Networking with local IT professionals is one of the best ways to benchmark your salary.

Our calculator uses official ATO formulas and 2025-2026 tax rates for close estimates. Individual circumstances may vary. We recommend consulting a registered tax agent for precise assessments. This calculator assumes a single individual with no dependants.