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🇦🇺 Australia / Salary
Calculate Australian take-home pay after PAYG tax, Medicare Levy, HECS/HELP repayments, and superannuation. Covers all income levels for FY 2024-25.
10 calculators
Calculate annual leave entitlement and payout for Australian employees under the Fair Work Act. Find leave accrual, leave loading, and payout on termination for full-time workers.
Convert any Australian hourly rate to annual salary. See gross annual income and net take-home after income tax, Medicare Levy, HECS-HELP, and superannuation contributions.
Calculate the 17.5% leave loading payable on annual leave for Australian employees. See total leave payment including ordinary pay and leave loading under Fair Work conditions.
Calculate long service leave entitlement and payout for any Australian state. See when LSL accrues, pro-rata entitlement, and payout on resignation or termination.
Calculate overtime pay at time-and-a-half and double-time rates under the Australian Fair Work Act. See weekly earnings and take-home after income tax and Medicare Levy.
Break down an Australian payslip into gross pay, income tax, Medicare Levy, HECS-HELP repayment, superannuation, and net pay. Verify your payslip deductions are correct.
Calculate penalty rates for weekend, public holiday, and shift work under Australian awards and enterprise agreements. Find the correct rate for retail, hospitality, and other sectors.
Calculate genuine redundancy pay entitlement for Australian employees under the Fair Work Act. See the tax-free threshold and marginal tax rates on redundancy payments.
Calculate personal and carers leave accrual for Australian employees. Find how many sick leave days you have accrued under the Fair Work Act 10-day annual entitlement.
Calculate your Australian take-home pay after all deductions. Enter gross salary to see income tax, Medicare Levy, HECS-HELP repayment, and superannuation guarantee contributions.
Australian gross-to-net salary calculations require accounting for several deductions that operate under distinct rules. The main components are PAYG income tax withholding, the Medicare Levy, HELP/HECS debt repayments, and superannuation, which is paid by the employer on top of the agreed salary rather than out of it.
The treatment of superannuation distinguishes Australia from most other systems. When an employer advertises a salary of $80,000, the employer pays an additional $9,200 in superannuation (at 11.5% SG) on top of that; the employee does not see this in their take-home pay, but it is accumulating in their super fund. This contrasts with India's CTC model, where super-equivalent contributions are typically included in the quoted package figure.
HELP (Higher Education Loan Program) debt, commonly referred to as HECS, is repaid through the tax system once income exceeds the compulsory repayment threshold. For 2024-25, the lowest repayment tier is 1% on income above $51,550, rising to 10% on incomes above $151,200. Repayments are compulsory, not optional, and are collected alongside PAYG withholding by the ATO. HELP debt does not attract interest; instead, the balance is indexed to CPI each year on 1 June, which caused balances to rise substantially in 2022 and 2023 during the high-inflation period.
The National Minimum Wage increased to $23.23 per hour from 1 July 2024, following the Fair Work Commission's annual wage review. Modern Awards, which cover most industries, typically set rates above the national minimum.
Salary sacrifice into superannuation is a common strategy for Australian employees to reduce taxable income, particularly effective for those in the 32.5% and 37% tax brackets. By directing pre-tax salary into super (taxed at 15% within the fund), the saving is the difference between the marginal rate and 15%. Salary packaging of non-cash benefits like cars (novated leases) and laptops is also available through many employers and can provide further tax savings.