An annual salary figure tells you very little about what actually reaches your bank account each pay. This salary calculator converts a gross salary into estimated take-home pay for the year, month, fortnight and week, showing the income tax and Medicare levy taken out along the way. You can also work in reverse, starting from the take-home pay you want and finding the gross salary needed to deliver it. It is built for employees comparing job offers, people checking a pay rise before they accept it, and anyone budgeting around a fortnightly pay cycle who is tired of dividing annual figures on the back of an envelope. Every calculation runs in your browser on this device. Nothing you enter is uploaded, sent to a server or stored, so you can test a current salary, a proposed salary or a target income without sharing any of it.
How it works
For a standard calculation you enter your gross annual salary and select the financial year. You can include or exclude the Medicare levy, which is set at 2 percent of taxable income for most people in this calculator. The tool first works out your annual income tax using the Australian resident rates for the year you selected, then adds the levy if included, then subtracts that total from your gross salary to give annual take-home pay.
From there the pay period figures are simple divisions of the annual amounts, done consistently so the gross and net columns line up. Annual take-home pay divided by 52 gives the weekly figure, divided by 26 gives the fortnightly figure, and divided by 12 gives the monthly figure. That is why a monthly amount is a little more than four weekly amounts: a year has 52 weeks but only 12 months, and the two cycles do not divide neatly into each other.
The resident rates behind the tax figure for 2025-26 are: no tax on the first $18,200, 16 cents per dollar over $18,200 up to $45,000, $4,288 plus 30 cents per dollar over $45,000 up to $135,000, $31,288 plus 37 cents per dollar over $135,000 up to $190,000, and $51,638 plus 45 cents per dollar over $190,000. Your income is taxed in slices across those brackets, not all at the highest rate you reach, which is why your average tax rate is always lower than your marginal rate.
The financial year selector is there because those rates change. The second bracket falls from 16 percent in 2025-26 to a legislated 15 percent in 2026-27 and 14 percent in 2027-28. Selecting the wrong year will give you a tidy looking answer built on the wrong rates, so match the selector to the year the salary will be paid.
Reverse mode uses the same rates in the opposite direction. You enter the take-home amount you want, and the calculator searches for the gross salary that leaves exactly that amount after tax and the levy for the selected year. It is useful in salary negotiations, where the number that matters is the fortnightly deposit, not the headline package.
Two things this estimate does not do. Employer super guarantee contributions are not deducted from your pay, so they are not subtracted here; super is either paid on top of your salary or forms part of a total package, depending on your contract. Tax offsets, HELP debt repayments, salary sacrifice and the Medicare levy surcharge are also outside this version, and low income levy reductions are not applied, so results at lower incomes can overstate the levy.
Worked example
Take a gross salary of $90,000 in 2025-26, with the Medicare levy included.
| Item | Calculation | Amount |
|---|---|---|
| Income tax | $4,288 plus 30 percent of the amount over $45,000 ($90,000 – $45,000 = $45,000; 30 percent of that is $13,500) | $17,788 |
| Medicare levy | 2 percent of $90,000 | $1,800 |
| Total deductions | $17,788 + $1,800 | $19,588 |
| Annual take-home pay | $90,000 – $19,588 | $70,412 |
| Fortnightly take-home pay | $70,412 divided by 26 | $2,708.15 |
That fortnightly figure is the one most household budgets in Australia actually run on, and it is the quickest way to judge whether a new salary genuinely improves your position once tax is accounted for, rather than just looking bigger on paper.
Common questions
How do I convert my salary to weekly, fortnightly or monthly pay?
Divide the annual figure by 52 for weekly, 26 for fortnightly and 12 for monthly. This calculator does the same conversion after working out tax, so you can compare gross and take-home pay side by side for each pay cycle.
Is superannuation taken out of my take-home pay?
No. Employer super guarantee contributions are not a deduction from your pay. They are either paid on top of your salary or form part of a total package, depending on your contract. Salary sacrifice super is different: that is an amount you choose to contribute from your before-tax pay, and it does reduce your take-home pay.
What is deducted from my gross pay?
For most employees the deductions are income tax withheld under PAYG withholding and nothing else. The Medicare levy is part of that withholding in effect, because the tax tables include it. Some payslips also show deductions you have agreed to, such as union fees or salary sacrifice amounts.
Can I work backwards from the take-home pay I want?
Yes. Choose the take-home to gross option and enter the amount you want to receive. The calculator finds the gross salary that leaves that amount after income tax and the Medicare levy, using the rates for the year you select.
Why is my monthly pay not exactly four weeks of pay?
A month is not four weeks. There are 52 weeks in a year but only 12 months, so a monthly pay is your annual amount divided by 12, which is a little more than four weekly pays.
Before you rely on this estimate
This calculator gives general information and an estimate only, based on the published ATO resident rates for the year you select. It is not financial, tax or legal advice. Read our Disclaimer before relying on any figure, and see a registered tax agent for advice on your own circumstances. For related checks, use the Pay Calculator for a payslip style breakdown that includes super, the PAYG Calculator to estimate withholding from one pay, or the Wage Calculator if you are paid by the hour.