Australia take-home pay: example salaries (2026)
Here is the net take-home pay after tax for a range of common gross salaries in Australia, for a single person using the default settings above. Use the calculator for your exact figure.
| Gross salary (per year) | Net per year | Net per month | You keep |
|---|---|---|---|
| $40,000 | $36,287 | $3,024 | 90.7% |
| $50,000 | $43,462 | $3,622 | 86.9% |
| $60,000 | $50,112 | $4,176 | 83.5% |
| $75,000 | $60,212 | $5,018 | 80.3% |
| $90,000 | $70,412 | $5,868 | 78.2% |
| $100,000 | $77,212 | $6,434 | 77.2% |
| $120,000 | $90,812 | $7,568 | 75.7% |
| $150,000 | $110,162 | $9,180 | 73.4% |
How your Australian take-home pay is calculated in 2025-26
Your salary is reduced by income tax and the 2% Medicare levy before it reaches you. On top of that, your employer pays superannuation (12% in 2025-26), and you may make HECS/HELP repayments if you have a study debt. This calculator applies the ATO’s 2025-26 rates, including the Stage 3 brackets and the Low Income Tax Offset.
The first $18,200 you earn is tax-free, and the Low Income Tax Offset (LITO) lifts the effective tax-free point to about $22,575. Income above the threshold is taxed in progressive slices.
2025-26 resident income tax rates
| Taxable income | Rate |
|---|---|
| $0 – $18,200 | 0% (tax-free) |
| $18,201 – $45,000 | 16% |
| $45,001 – $135,000 | 30% |
| $135,001 – $190,000 | 37% |
| Over $190,000 | 45% |
Superannuation: on top or included?
Most Australian jobs are advertised as salary + super, meaning your employer pays 12% on top of your salary straight into your super fund — it doesn’t reduce your take-home pay. Some packages are super-inclusive, where the 12% is carved out of the headline figure. Choose the right option above so the calculator treats super correctly.
Medicare levy and the surcharge
The Medicare levy is 2% of your taxable income (reduced or waived for low incomes below about $28,011). If your income is above $101,000 and you don’t hold an appropriate level of private hospital cover, you also pay the Medicare Levy Surcharge of 1% to 1.5% — which is often more than the cost of basic hospital cover.
Medicare levy & surcharge (2025-26, singles)
| Item | Income | Rate |
|---|---|---|
| Medicare levy | Above ~$28,011 (phased in) | 2% |
| Surcharge tier 1 (no cover) | $101,001 – $118,000 | +1% |
| Surcharge tier 2 (no cover) | $118,001 – $158,000 | +1.25% |
| Surcharge tier 3 (no cover) | Over $158,000 | +1.5% |
HECS / HELP repayments
From 1 July 2025, study-loan repayments use a marginal system: you repay nothing below $67,000, then 15c on each dollar between $67,000 and $125,000, and $8,700 plus 17c on each dollar from $125,000 to $179,285 (10% of total income above that). Repayments are based on your repayment income and collected through your pay.
Worked example: $90,000 + super, resident, with cover
- Income tax: about $17,788
- Medicare levy: 2% = $1,800
- Superannuation: $10,800 paid on top by your employer
- Net take-home: about $70,412 a year, roughly $5,868 a month — plus $10,800 in super
Add a HECS/HELP debt or remove private hospital cover above to see how each changes your result.
Frequently asked questions
How much is $80,000 after tax in Australia?
For 2025-26 (resident, salary + super, with hospital cover), $80,000 leaves about $63,600 a year (roughly $5,300 a month) after $14,788 income tax and $1,600 Medicare levy — plus $9,600 of super paid on top by your employer.
Is superannuation taken out of my salary?
It depends on your contract. "Salary + super" means the 12% is paid on top and does not reduce your take-home pay. "Salary includes super" means the 12% is carved out of the headline figure. Select the matching option above.
What is the Medicare Levy Surcharge?
It is an extra 1% to 1.5% charged to higher earners (singles above $101,000) who do not hold private hospital cover, on top of the standard 2% Medicare levy. Holding eligible hospital cover avoids it.
How much is a HECS repayment on $90,000?
Under the 2025-26 marginal system you repay 15c per dollar above $67,000. On $90,000 that is 15% of $23,000 = about $3,450 for the year.
Do foreign residents pay the Medicare levy?
No. Foreign residents are taxed at 30% from the first dollar (then 37% and 45%), receive no tax-free threshold or LITO, and do not pay the Medicare levy or surcharge.