Take-home pay calculator 2026–27
See what lands in your account each week, fortnight, month and year after income tax, the Medicare levy and HELP, plus the super your employer pays on top. Figures current as at the 2026–27 financial year, checked October 2026. Nothing you type leaves your browser.
Take-home pay, 2026–27
$2,731 a fortnight
$71,000 a year. Tax and levies take 21.1% of gross pay, and 32.0% of the next dollar.
| Item | Year | Month | Fortnight | Week |
|---|---|---|---|---|
| Gross pay | $90,000 | $7,500 | $3,462 | $1,731 |
| Income tax | −$17,220 | −$1,435 | −$662 | −$331 |
| Medicare levy | −$1,780 | −$148 | −$68 | −$34 |
| Take-home pay | $71,000 | $5,917 | $2,731 | $1,365 |
| Super paid by your employer | $10,800 | $900 | $415 | $208 |
Tax is worked out on $89,000, after the $1,000 standard deduction for work-related expenses that applies from 2026–27. If your actual work expenses are higher, you can claim them instead and your tax would be lower.
How the numbers are worked out
Your pay is turned into a yearly figure first. Hourly pay uses the hours you enter over 52 weeks, and if the amount includes super, the super is taken out to find the salary. Salary sacrifice comes off before tax. From 2026–27 the $1,000 standard deduction for work-related expenses comes off too, and the rest is your taxable income.
- Income tax uses the resident rates for the year. For 2026–27 that is nil to $18,200, 15% to $45,000, 30% to $135,000, 37% to $190,000 and 45% above. In 2025–26 the 15% rate was 16%. The low income tax offset is applied.
- Standard deduction for work-related expenses is $1,000 a year from 2026–27, or your pay if that is less. It applies automatically to employees. People whose actual work expenses are higher can claim those instead. The calculator always uses the standard amount. There is no standard deduction for 2025–26.
- Medicare levy is 2% of taxable income, phased in above the low-income threshold.
- Medicare levy surcharge applies only if you tick that you have no private hospital cover. It uses the single thresholds, which start above $105,000 for 2026–27, and counts salary sacrifice as income. Families have higher thresholds based on combined income.
- HELP repayments use the marginal system that started in 2025–26, on taxable income plus salary sacrifice.
- Super is your employer's rate on salary and bonus, before any salary sacrifice. The super guarantee is 12%.
Weekly, fortnightly and monthly figures divide the year by 52, 26 and 12. The calculator uses the same tax rules as the MyFinancialFuture planner.
What it leaves out
It works out the tax you owe for the year, which can differ a little from what is withheld from each pay. The standard deduction isn't allowed for in withholding, so it comes back as part of your refund at tax time. Deductions other than the standard deduction, other offsets, family and spouse rules, the tax-free threshold claimed with a second employer, non-resident and working holiday rates, and the cap on super for very high salaries are not included. Your tax return or the ATO's own calculators give the official figure.
Next steps
How a pay rise is taxed is covered in a pay rise and a higher tax bracket, and the surcharge in the Medicare levy surcharge in 2026–27. To see what your pay builds into over the years, open the planner. It is free and needs no sign-up.