Take-home pay, tax, super and Medicare
In Australia your take-home pay depends on the resident tax rates, the Medicare levy and your superannuation. These calculators use the FY 2025-26 ATO figures so you can see what actually lands in your account.
From gross to net
The first $18,200 you earn is tax-free. Above that, income tax runs from 16% to 45% in brackets, plus the Medicare levy of 2%. On top of your salary, your employer pays Superannuation of 12% into your fund — that's extra, not deducted from your pay.
GST, redundancy and inflation
GST is a flat 10% on most goods and services. If you're made redundant, the NES scale pays up to 16 weeks based on your years of service. And since 2010 prices are up about 1.55× (ABS CPI).
Key 2025-26 numbers
| Item | FY 2025-26 value (reference) |
|---|---|
| Income tax | 0% up to $18,200, then 16% – 45% |
| Medicare levy | 2% |
| Superannuation Guarantee | 12% (employer, on top) |
| GST | 10% |
| Redundancy pay (NES) | up to 16 weeks |
| USD / AUD | ~1.53 |
| Inflation since 2010 (CPI) | prices ~1.55× (100 → 155) |
These figures are estimates for the FY 2025-26 tax year and change annually. They assume you're an Australian resident for tax purposes. This is not financial advice — use it as a quick estimate.