Pay calculator Australia
Calculate take-home pay, PAYG withholding, HELP loan deductions and employer super from hourly, daily, weekly, fortnightly, monthly or annual income.
What do you earn?
Quick payroll settings
Common payroll settings are already selected.
Additional pay and deductionsAllowances, overtime, bonuses, deductions and withholdingDefault
Recurring amounts follow your selected pay cycle unless you choose a different frequency for that item.
Tax and HELPResidency, Medicare, tax-free threshold and HELP loanDefault
Match the answers provided to your employer.
SuperannuationEmployer super, voluntary contributions and capsDefault
Employer and voluntary contributions stay separate so their effect on pay and contribution caps is clear.
Employer super
From 1 July 2026, Payday Super is generally calculated each payday on qualifying earnings.
Voluntary super contributions
Concessional amounts are before tax or claimed as a deduction. Non-concessional amounts come from after-tax money.
Contribution cap settings
The 2026-27 standard caps are $32,500.00 concessional and $130,000.00 non-concessional.
Your total annual pay
Add other income, deductions and personal details to estimate your total income tax, Medicare and HELP repayment. Deductit then compares that estimate with tax already withheld to show a possible refund or amount payable.
Extra settings
Seven independent categories cover income, deductions, family, super, packaging and year-to-date details. Open only what applies.
Employment and pay structurePart-time work, purchased leave, overtime, allowances and recurring bonusesDefault
Additional overtime rows
Keep separate rates and frequencies when overtime varies.
Allowance
Recurring bonus or commission
Adjusted employment salary: $80,000.00
Income from other sourcesInterest, investments, rent, business, capital gains and foreign incomeDefault
Deductions and tax creditsWork expenses, salary packaging, business losses and offsetsDefault
Family, Medicare and benefitsSpouse income, private hospital cover, children, support payments and Family Tax BenefitDefault
Super contribution choicesSalary sacrifice, notice of intent, co-contribution, LISTO, spouse offset and Division 293Default
Novated lease and fringe benefitsVehicle costs, employee contribution method, EV exemption, FBT and reportable amountsDefault
Year-to-date calculationFirst payday, current totals and exact remaining pay countDefault
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Current Australian payroll methodology
Deductit converts your pay to the weekly equivalent required by the ATO formula, applies the correct withholding scale, rounds the weekly result, and converts it back to your selected pay cycle. HELP loan withholding and eligible Medicare family adjustments are calculated separately.
Australian pay calculator FAQs
How is take-home pay calculated in Australia?
Take-home pay is gross pay less PAYG withholding, HELP loan withholding where applicable, salary sacrifice, extra withholding and other after-tax payroll deductions.
Is the 12% super rate current for 2026-27?
Yes. The legislated minimum super guarantee rate reached 12% on 1 July 2025 and remains 12% for 2026-27. From 1 July 2026, Payday Super generally requires contributions to be calculated and paid each payday.
Does a HELP loan change my take-home pay?
It can. When you notify your employer of an eligible HELP or related Australian study and training loan debt, an additional withholding component applies once earnings reach the relevant threshold.
How are voluntary super contributions treated?
Salary sacrifice is a concessional payroll contribution and reduces taxable pay. A personal contribution claimed as a deduction also counts toward the concessional cap, while an after-tax contribution counts toward the non-concessional cap. Carry-forward room can increase the concessional cap when the ATO eligibility conditions are met.
Why can my tax return differ from this pay estimate?
Payroll withholding is an estimate collected during the year. Your final assessment can also include other income, deductions, tax offsets, Medicare levy surcharge, private health insurance information and amounts already withheld.