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PAYG Tax Calculator — Australian Take-Home Pay

$
Take-Home Pay
$67,012
per year
Gross Salary$85,000.00
Income Tax−$16,288.00
Medicare Levy−$1,700.00
Net Income$67,012.00
Employer Super (12.0%)+$10,200.00
Total Package$95,200.00
Total Tax
$17,988
Effective Rate
21.2%
Take-Home (78.8%)Tax (21.2%)

Tax Bracket Breakdown

$0 – $18,200 (0%)$0
$18,201 – $45,000 (16%)$4,288
$45,001 – $135,000 (30%)$12,000
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Calculate Your Australian Take-Home Pay

Use our free PAYG calculator to instantly see how much of your salary you take home after income tax, Medicare levy, and the Low Income Tax Offset. Switch between yearly, monthly, fortnightly, and weekly views to understand your actual pay.

2025–26 Australian Tax Brackets

Taxable IncomeTax RateTax on This Bracket
$0 – $18,2000%Nil
$18,201 – $45,00016%Up to $4,288
$45,001 – $135,00030%Up to $27,000
$135,001 – $190,00037%Up to $20,350
$190,001+45%45c per $1 over $190,000

How PAYG Works

When you start a job in Australia, you submit a Tax File Number (TFN) declaration. Your employer uses this to calculate how much tax to withhold from each pay. At the end of the financial year (30 June), you lodge a tax return to reconcile your actual tax with the amounts already withheld.

Tips to Maximise Your Take-Home Pay

  • Claim all deductions — Work-related expenses, home office costs, and professional development can reduce your taxable income
  • Salary sacrifice — Pre-tax contributions to super or novated lease payments can lower your PAYG withholding
  • Private health insurance — If you earn over $93,000, getting hospital cover avoids the 1–1.5% Medicare Levy Surcharge
  • Lodge on time — Submit your tax return by the deadline to avoid penalties and receive any refund sooner
  • Review your withholding — If you consistently get large refunds, you may be able to reduce withholding by submitting a withholding variation to the ATO

Superannuation Guarantee

The superannuation guarantee rate is 12% for 2025–26 (up from 11.5% in 2024–25). This is paid by your employer on top of your gross salary into your super fund. While it doesn't affect your take-home pay directly, it's an important part of your total compensation package.

Frequently Asked Questions

What is PAYG withholding?
PAYG (Pay As You Go) withholding is the system the Australian Taxation Office (ATO) uses to collect income tax throughout the year. Your employer deducts tax from each pay and sends it to the ATO on your behalf, so you don't face a large tax bill at the end of the financial year.
What tax rates does this calculator use?
This calculator uses the official ATO individual income tax rates, including the Stage 3 tax cuts effective from 1 July 2024. The current brackets are: 0% up to $18,200; 16% for $18,201–$45,000; 30% for $45,001–$135,000; 37% for $135,001–$190,000; and 45% above $190,000.
What is the Medicare Levy?
The Medicare Levy is an additional 2% tax on your taxable income that helps fund Australia's public health system. Low-income earners (below $26,000) are exempt, and a reduced rate applies between $26,000 and $32,500. This calculator does not include the Medicare Levy Surcharge, which may apply if you earn over $93,000 and don't have private hospital cover.
What is the Low Income Tax Offset (LITO)?
The LITO is a tax offset that reduces the amount of tax you pay if you earn up to $66,667. The maximum offset is $700 for incomes up to $45,000, and it phases out at 5 cents per dollar above $45,000. This calculator automatically applies the LITO to your calculation.
Does this include superannuation?
Yes, you can toggle superannuation on or off. When enabled, it shows the employer super guarantee contribution (12% for 2025-26, 11.5% for 2024-25) on top of your gross salary. Note that super is paid by your employer into your super fund — it does not come out of your take-home pay.
Is this calculator accurate for my situation?
This calculator provides an estimate based on standard tax rates for Australian residents. It does not account for HECS/HELP debt repayments, salary sacrifice arrangements, the Medicare Levy Surcharge, private health insurance rebate, or other individual circumstances. For a precise calculation, consult a tax professional or use the ATO's official tools.
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