Australia Take-Home Pay Calculator
See your net pay after Australian income tax and Medicare levy. Uses 2024–25 rates with the Stage 3 tax cuts applied.
Per period breakdown
Annual summary
Employer superannuation
Your employer pays 11.5% superannuation on top of your salary (2024–25). On A$90,000 gross, that's A$10,350.00/year into your retirement fund. This is not deducted from your pay — it's an additional employer cost.
Worked example
On A$90,000 gross, you take home A$75,872.00/year (A$6,322.67/month). Effective tax rate: 15.7%.
How Australian tax works
Australia uses a progressive tax system with a tax-free threshold of A$18,200. From July 2024, the Stage 3 tax cuts apply: 16% on $18,201–$45,000, 30% on $45,001–$135,000, 37% on $135,001–$190,000, and 45% above $190,000. A 2% Medicare levy applies to most taxpayers. Private health insurance can exempt you from the Medicare Levy Surcharge (additional 1-1.5% for high earners without cover).
What affects your take-home
- Low and middle income tax offset (LMITO) ended June 2022
- Private health insurance can exempt you from Medicare Levy Surcharge
- Salary sacrifice to super reduces taxable income
- HECS-HELP student debt repayments are income-contingent (not shown here)
- Novated leases reduce taxable income but affect take-home
Frequently asked questions
What is the Medicare Levy Surcharge?
High earners (over A$93,000 single / A$186,000 family) without private hospital insurance pay an additional 1-1.5% Medicare Levy Surcharge. This calculator shows the base 2% only.
What about HECS-HELP student loans?
HECS-HELP repayments are income-contingent and deducted after tax. Repayment rates range from 1% (income above $54,435) to 10% (above $151,207). This calculator does not include student loan repayments.
How does superannuation work?
Employers must contribute 11.5% of your salary into a super fund (2024-25, rising to 12% in July 2025). This is on top of your salary, not deducted from it. You can salary sacrifice additional amounts pre-tax.
How does this compare to a US paycheck?
Use the US Paycheck Calculator for comparison. Australia has no state income tax, but the 2% Medicare levy adds up. Super is comparable to employer 401k matching but mandatory.