Australia Take Home Pay Calculator 2024-25
Calculate your Australian net pay after income tax, Medicare Levy and HELP repayments. Includes superannuation at 11.5% and optional salary sacrifice.
A$
Before tax โ your employment contract salary %
SG rate 11.5% (2024-25). Rises to 12% July 2025. A$
Additional voluntary super contributions (pre-tax) Common salaries:
A$0
Annual Take-Home
A$0
Monthly Take-Home
A$0
Fortnightly Take-Home
A$0
Super (paid by employer)
Pay Breakdown
| Item | Annual | Monthly | Fortnightly |
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How to Use This Australia Take Home Pay Calculator
Enter your annual gross salary and your super rate (11.5% is the 2024-25 Superannuation Guarantee). Optionally enter any salary sacrifice amount (pre-tax super contributions you choose to make). The take-home figure shows what lands in your bank account.
Super is shown separately because it does not reduce your take-home โ your employer pays it on top of your salary directly to your super fund.
The Formula
Taxable Income = Gross Salary โ Salary Sacrifice
Income Tax = bracket tax on taxable income โ LITO
Medicare Levy = 2% ร taxable income
HELP = rate ร taxable income (if applicable)
Take-Home = Gross โ Income Tax โ Medicare โ HELP (salary sacrifice stays in super, not take-home)
Super = Gross ร super rate (paid by employer, does not reduce take-home)
Income Tax = bracket tax on taxable income โ LITO
Medicare Levy = 2% ร taxable income
HELP = rate ร taxable income (if applicable)
Take-Home = Gross โ Income Tax โ Medicare โ HELP (salary sacrifice stays in super, not take-home)
Super = Gross ร super rate (paid by employer, does not reduce take-home)
Example
Ben, $85,000 salary, 11.5% super, no HELP, no salary sacrifice:
Taxable income: $85,000
Income tax: ($18,200 ร 0%) + ($26,800 ร 16%) + ($40,000 ร 30%) = $0 + $4,288 + $12,000 = $16,288
LITO: $0 (income > $66,667)
Medicare: $85,000 ร 2% = $1,700
Take-home: $85,000 โ $16,288 โ $1,700 = $67,012/year ($5,584/month)
Employer super: $85,000 ร 11.5% = $9,775 (paid on top, not deducted)
Taxable income: $85,000
Income tax: ($18,200 ร 0%) + ($26,800 ร 16%) + ($40,000 ร 30%) = $0 + $4,288 + $12,000 = $16,288
LITO: $0 (income > $66,667)
Medicare: $85,000 ร 2% = $1,700
Take-home: $85,000 โ $16,288 โ $1,700 = $67,012/year ($5,584/month)
Employer super: $85,000 ร 11.5% = $9,775 (paid on top, not deducted)
Extended
Super & Salary Sacrifice Analysis
Superannuation growth projection, salary sacrifice benefit and pay frequency breakdown
Where each dollar of your salary goes.
How increasing salary sacrifice changes your take-home and super balance.
| Salary Sacrifice | Tax Saved | Net Cost | Take-Home Change | Extra in Super |
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Frequently Asked Questions
What is the Superannuation rate for 2024-25?
The Superannuation Guarantee (SG) rate for 2024-25 is 11.5% of your ordinary time earnings. Your employer is required to pay this on top of your salary into your nominated super fund. The SG rate increases to 12% from 1 July 2025. Super is not taken out of your pay โ it is paid by your employer in addition to your salary, into your retirement account.
How is my take-home pay calculated in Australia?
Australian take-home pay = Gross salary โ Income Tax โ Medicare Levy โ optional HELP repayment. Superannuation is paid by your employer on top of your salary and does not reduce your take-home pay. However, voluntary salary sacrifice into super does reduce your taxable income and take-home pay, with the benefit of tax savings on those contributions.
What is salary sacrifice for superannuation?
Salary sacrifice allows you to redirect pre-tax salary into your super fund. These contributions are taxed at 15% instead of your marginal rate (up to 45%). For example, sacrificing $10,000 at a 37% marginal rate saves $2,200 in income tax. The concessional (before-tax) contributions cap for 2024-25 is $30,000 (including employer SG contributions).
What is the Medicare Levy Surcharge?
The Medicare Levy Surcharge (MLS) is an additional levy (1%โ1.5%) for high-income earners without private hospital insurance. Thresholds for 2024-25: MLS starts at incomes above $93,000 for singles ($186,000 for families). Rate is 1% at $93,001โ$108,000, 1.25% at $108,001โ$144,000, and 1.5% above $144,000. Taking out private hospital cover removes the MLS.
What is the difference between gross salary and total remuneration package?
Gross salary (base salary) is your pre-tax income as stated in your employment contract. Total remuneration or "total package" includes your base salary plus the employer super contributions (11.5% in 2024-25). For example, a $100,000 package might mean $89,690 base salary + $10,310 super. Always clarify with your employer whether salary quotes are "super inclusive" or "super on top".