Monthly Deductions
2026-27 rates verified against the ATO on 2 Sep 2026
Quick Answers
What is an Australia take-home pay calculator?
It estimates how much of your gross pay you keep after income tax and the Medicare Levy. It is a planning tool, not a substitute for your payslip or the ATO.
Which income year does this use?
Income year 2026-27, verified directly against the ATO's resident tax rate table. Single filers only.
How is income tax calculated?
Progressive brackets: 0% up to $18,200, 15% to $45,000, 30% to $135,000, 37% to $190,000, 45% above that (2026-27 rates).
What is the "package includes super" toggle?
Australian salary packages are often quoted inclusive of the 12% Superannuation Guarantee. Toggle it on to carve super out of your headline number before tax, or off if super is paid separately on top.
What is the Medicare Levy?
2% of taxable income for residents, with the low-income shade-in (nil below $28,011, phasing up to the full 2% by $35,013). Singles earning over $105,000 without appropriate private hospital cover also pay the Medicare Levy Surcharge — 1%, 1.25% or 1.5% of their whole income — which the "Private hospital cover" switch removes.
Does this include HECS-HELP repayments?
Yes — switch on "HELP / HECS debt". Compulsory repayments use the 2026-27 marginal system: nil up to $69,528, then 15c per $1 over the threshold, 17c above $129,717, and 10% of your whole income above $186,050. Repayment income here is your taxable salary (reportable super and fringe benefits are not added).
Will my payslip match these numbers?
Often close, but payslips reflect your specific offsets, salary sacrifice arrangements, and payroll timing. Rely on your payslip or the ATO for authoritative amounts.
Is this official ATO advice?
No. In-Hand.net is an independent calculator for education and planning. It uses single-filer thresholds; family Medicare thresholds, Division 293 and salary-sacrifice arrangements are not modeled. Always confirm with the ATO or a qualified tax professional.