Free calculator — 2025–26 rates
Take-Home Pay Calculator
See exactly what you take home after income tax, Medicare levy, and optional HECS repayments. Uses the current 2025–26 Stage 3 tax rates.
Have a HECS / HELP debt?
Repayments are deducted automatically from your pay
Your take-home pay
WEEKLY
$1,319
MONTHLY
$5,718
ANNUAL
$68,612
Breakdown
Uses 2025–26 tax rates including Stage 3 cuts. Estimates only — not financial advice.
You take home $5,718/month
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See my full plan →How is take-home pay calculated in Australia?
Your take-home pay is your gross salary minus income tax, the Medicare levy, and any HECS repayments. In Australia, all three are withheld by your employer and sent directly to the ATO — you only see the net amount in your bank account.
Income tax is progressive — you pay different rates on different portions of your income. The Stage 3 tax cuts reduced the second bracket from 19% to 16% from 1 July 2024. It drops again to 15% in 2026–27 and 14% in 2027–28.
The Low Income Tax Offset (LITO) reduces your tax by up to $700 if you earn $37,500 or less, tapering to $0 at $66,667. This calculator includes LITO automatically.
Frequently asked questions
What is my take-home pay on a $80,000 salary in Australia?
On an $80,000 salary in 2025–26, you pay approximately $16,587 in income tax and $1,600 in Medicare levy — leaving you around $61,813 per year ($1,188/week or $5,151/month). If you also have a HECS debt, add an additional $3,200/yr in repayments.
What are the current Australian tax brackets?
In 2025–26, the income tax brackets are: 0% up to $18,200; 16% from $18,201 to $45,000; 30% from $45,001 to $135,000; 37% from $135,001 to $190,000; 45% above $190,000. Plus 2% Medicare levy above $26,000. The second bracket dropped from 19% to 16% under the Stage 3 tax cuts.
Does the Medicare levy apply to everyone?
The 2% Medicare levy applies to most taxpayers with income above $26,000. Low-income earners below $26,000 are exempt or pay a reduced rate. You can also reduce or eliminate the surcharge by having private hospital cover if your income is above $93,000.
How does the 2026 budget change my take-home pay?
In 2026–27, the second bracket drops from 16% to 15% — a saving of up to $268/year for incomes between $18,201 and $45,000, and proportionally less above. In 2027–28 it drops to 14%, saving up to $536/year. A new Work and Training Tax Offset ($250/year) also kicks in from 2027–28 for incomes between $10,000 and $125,000.
Is HECS taken out of my pay automatically?
Yes. Once your income exceeds $54,435, your employer withholds HECS repayments automatically through the PAYG system — the same way income tax is withheld. You don't need to make separate payments during the year. The ATO reconciles at tax time.