Australian salary decision tool
Take-Home Pay Change Calculator Australia
Estimate how a salary increase or decrease changes annual, monthly and weekly take-home pay using Australian resident tax assumptions.
On this page
How the estimate is calculated
The calculator estimates annual resident income tax using the selected financial-year brackets. It then applies the low income tax offset where the entered income qualifies and optionally adds a standard 2% Medicare levy estimate. The current and new annual results are compared to show the practical change in take-home pay.
For 2026–27, the first marginal rate above the tax-free threshold is 15%. The other displayed brackets remain 30%, 37% and 45%. The calculator keeps 2025–26 available because many salary discussions and tax records still refer to that year.
How to use the result
Focus on the monthly and weekly change rather than the gross annual headline. That is the amount most likely to affect a household budget. Then compare the change with any extra commuting, childcare, parking, equipment or unpaid time attached to the new role.
Save several scenarios if the offer includes a range. A $5,000 gross increase does not produce a $5,000 increase in spendable cash, and the exact retained percentage changes across tax brackets.
Important limitations
This is not a payroll calculator or tax-return estimate. It does not calculate HELP or other study-loan repayments, deductions, salary sacrifice, reportable fringe benefits, Medicare levy surcharge, private-health effects, spouse or dependant rules, tax residency exceptions, offsets other than LITO or irregular withholding.
The Medicare levy calculation is deliberately a simple 2% option. Low-income reductions and exemptions can change the actual amount. Use the official ATO calculators when an exact liability matters.
Official sources and assumptions
Frequently asked questions
Does this include super?
No. Super is not take-home pay and is not included in taxable salary unless the figure entered is already structured that way.
Why does my payslip differ?
Payroll withholding uses pay-period tables and may include HELP, deductions, salary sacrifice, allowances or other adjustments not modelled here.
Does it include the Medicare levy surcharge?
No. The optional setting includes only a simple standard Medicare levy estimate, not the surcharge.
Can I use it for a pay cut?
Yes. Enter a lower new salary and the calculator will show the estimated reduction in take-home pay.