Continue your plan
Useful next calculations
Rates & sources2026–27
2026–27 resident PAYG illustration with the 15% first positive band, LITO, Medicare levy and Superannuation Guarantee at 12%.
| Band / figure | Rate |
|---|---|
| SG rate | 12% |
| Tax-free threshold | $18,200 |
| 15% band | to $45,000 |
| HELP first threshold used | $54,435 |
Source: ATO — individual income tax rates — source checked for 2026–27.
When to use this calculator
- Before accepting a pay change, bonus or contribution arrangement.
- When you want a simple take-home or conversion estimate before payroll or filing.
- When you need to convert between hourly, monthly and annual pay.
- When you want to compare two pay scenarios using the same assumptions.
A realistic Australia planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
| Input | Value |
|---|---|
| Annual Gross Salary (A$) | A$80,000 |
| Pay Frequency | Fortnightly (26/yr) |
| Employer Super Rate (%) | 5% |
| Salary Packaging / Year (A$) | A$80,000 |
After entering these figures, review take-home per pay period, annual take-home and employer super together rather than in isolation. Then rerun the tool with one input adjusted.
How to read your results
Take-Home per Pay Period
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Annual Take-Home
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Employer Super
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Effective Tax Rate
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
HECS-HELP Repayment/yr
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Common mistakes
- !Using an assumption that is not supported by a current local quote, bill, statement or official source.
- !Treating a generic estimate as a lender, provider, payroll or tax authority decision.
- !Mixing monthly and annual inputs without converting them consistently.
- !Testing only one scenario instead of checking how a cautious assumption changes the result.
What to do next
- Run a second scenario with a cautious assumption so you can see the downside clearly.
- Compare the result with the related calculators below before making a decision.
- Check current local rules, eligibility and provider terms before applying or committing money.
- Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.
Frequently asked
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