From gross to take-home in Australia
Your pay has two deductions: income tax (progressive, tax-free up to $18,200) and the 2% Medicare levy. On top of your salary, your employer pays superannuation — 12% in 2025-26 — into your super fund, which is not part of your take-home but is your retirement savings.
Good to know
Your average tax rate is always lower than your top (marginal) rate, because the lower brackets are taxed first and the first $18,200 is tax-free.
Common questions
It depends on your contract. If your salary is "plus super", the 12% is paid on top and is not part of take-home. If it is "including super", the super is carved out of the package.
A 2% levy on taxable income that funds the public health system. It phases in for low incomes and you may pay a surcharge if you earn a lot without private hospital cover.
No. Student loan (HECS/HELP) repayments are extra and depend on your income. This estimate covers income tax and the Medicare levy only.