Australian Pay & Tax Calculator
Estimate your take-home pay, tax, Medicare, super and student-loan repayments.
Your salary details stay in your browser. They are not sent to HeyJerni.
Your pay
Your employer pays super on top of the amount shown.
Estimated take-home
A$77,480
per year
Where it goes
Effective tax rate
22.5%
Marginal tax rate
30%
Your marginal rate applies only to additional income within that tax bracket, not to your whole salary.
On A$100,000 plus super, your estimated take-home pay is about A$77,480 per year.
Adjust details
Other income
Tax
Only enter deductions you reasonably expect to be eligible to claim.
Student loan
Super
Reduces taxable income, but not the income used for a compulsory student loan repayment.
Medicare
How your tax is calculated
Each band is taxed at its own rate. Only the income inside a band is taxed at that rate.
- A$0 – A$18,2000%A$0 tax
- A$18,200 – A$45,00015%A$4,020 tax
- A$45,000 – A$135,00030%your incomeA$16,500 tax
- A$135,000 – A$190,00037%A$0 tax
- A$190,000 – over45%A$0 tax
The Medicare levy low-income thresholds for this year were not published when this page was last reviewed, so the previous year’s thresholds are applied.
This calculator provides general estimates based on the information entered and the selected financial year. Actual tax outcomes can vary because of offsets, levies, family circumstances, deductions and other factors. HeyJerni is a record-keeping tool and does not provide tax or financial advice.
More free tools
Australian sources
- ATO: tax rates for Australian residents
- ATO: tax rates for foreign residents
- ATO: Medicare levy
- ATO: Medicare levy surcharge
- ATO: study and training loan repayment thresholds
- ATO: how much super to pay
Last reviewed: September 2026. Tax information on this page is based on publicly available Australian Taxation Office guidance. HeyJerni is a record-keeping tool and does not provide tax or financial advice.
Tax calculations are easier when your records are already organised
HeyJerni helps you scan receipts, track work expenses and prepare your records throughout the financial year.