Take Home Pay Calculator Australia
Use the Oz Pay Check take-home pay calculator to estimate how much pay may land in your bank account after income tax, Medicare levy, study loan repayments and selected salary settings.
This calculator is designed for Australian employees, casual workers and salary earners who want to estimate net pay from hourly, weekly, fortnightly, monthly or annual income. It can also combine pay with selected Centrelink estimates.
What the take-home pay calculator estimates
- •Gross income converted across pay periods
- •Estimated income tax and Medicare levy
- •HECS, HELP or study loan repayment settings
- •Net take-home pay after tax and selected deductions
- •Employer superannuation contribution estimate
- •Possible Centrelink payment estimate when selected
What affects take-home pay
- •Your pay amount and pay frequency
- •Hours worked per week for hourly pay
- •Tax deductions, other income, overtime and bonus pay
- •HECS or HELP loan settings
- •Superannuation, salary sacrifice and novated lease settings
- •Medicare, residency and family situation settings
Useful values
Super guarantee
From 1 July 2025, the super guarantee rate is 12% of ordinary time earnings for eligible employees.
Tax-free threshold
The Australian resident tax-free threshold is $18,200.
HECS / HELP threshold
For 2025-26, compulsory study loan repayments start when repayment income exceeds $67,000.
Pay periods
The calculator converts estimates into weekly, fortnightly, monthly and annual figures.
Example uses
Annual salary to fortnightly pay
Enter your annual salary and choose annual frequency to estimate fortnightly take-home pay.
Hourly wage to annual salary
Choose hourly, enter your hourly rate and hours per week, then calculate estimated yearly and per-pay results.
Frequently asked questions
Can I calculate after-tax pay in Australia?
Yes. The calculator estimates income tax, Medicare and net take-home pay.
Does it work for hourly workers?
Yes. Enter hourly rate and weekly hours to estimate annual and pay-period amounts.
Can I include Centrelink?
Yes. You can turn on Centrelink estimates in the main calculator or use the Centrelink-only calculator.
Is it financial advice?
No. It is an estimate tool only.
Independent estimate disclaimer
Oz Pay Check is an independent, privately operated calculator website. Results are estimates only and do not constitute financial, tax, legal, Centrelink, Services Australia, ATO or government advice. Oz Pay Check is not affiliated with, endorsed by, authorised by, sponsored by, or connected to the Australian Taxation Office, Services Australia, Centrelink, myGov or any Australian Government agency. Always confirm important decisions with official government websites or a qualified professional.