Australia Salary Calculator 2026: ATO Tax Rates, Medicare Levy & Superannuation
Australia's income tax system underwent significant reform with the Stage 3 tax cuts effective from 1 July 2024, creating a simplified bracket structure. For the 2026-27 financial year, the tax-free threshold remains at A$18,200, followed by a 16% rate up to A$45,000, 30% up to A$135,000, 37% up to A$190,000, and 45% on income above A$190,000. These rates, combined with the 2% Medicare Levy, mean an Australian worker earning A$85,000 takes home approximately A$66,500 per year.
Superannuation (super) is Australia's mandatory retirement savings system. Employers must contribute 12% of an employee's ordinary time earnings on top of their salary into a super fund. While this does not reduce your take-home pay directly (it is employer-funded), it is a critical part of total compensation worth A$10,200 on an A$85,000 salary. Some employees salary sacrifice additional amounts into super for tax advantages, which does reduce take-home pay but builds retirement savings at a concessional 15% tax rate.
This calculator converts your Australian salary across all standard pay frequencies. Australia uses a July-to-June financial year and has specific leave entitlements: four weeks annual leave, ten days personal/carer's leave, and public holidays that vary by state (typically eight days). Enter your gross salary in Australian dollars to see comprehensive pay period breakdowns.
Key Data & Statistics
| Metric | Value |
|---|---|
| Tax-Free Threshold | A$18,200 |
| 16% Bracket | A$18,201 - A$45,000 |
| 30% Bracket | A$45,001 - A$135,000 |
| 37% Bracket | A$135,001 - A$190,000 |
| 45% Top Bracket | Over A$190,000 |
| Medicare Levy | 2% of taxable income |
| Super Guarantee Rate | 12% (employer-paid) |
| Median Australian Salary | ~A$70,000 |
Pre-Calculated Examples
| Scenario | Gross | Net / Result | Details |
|---|---|---|---|
| A$55,000 Salary | A$55,000 | A$45,200 | Tax ~$8,080 + Medicare ~$1,100 + Super A$6,600 (employer) |
| A$85,000 Salary | A$85,000 | A$66,500 | Tax ~$15,592 + Medicare ~$1,700 + Super A$10,200 (employer) |
| A$120,000 Salary | A$120,000 | A$90,100 | Tax ~$26,632 + Medicare ~$2,400 + Super A$14,400 (employer) |
| A$180,000 Salary | A$180,000 | A$127,300 | Tax ~$47,467 + Medicare ~$3,600 + Super A$21,600 (employer) |
Calculate Your Salary
Salary Information
Enter your salary information to see all pay frequency conversions
Who Uses This Calculator?
Job offer evaluation
Calculate your Australian take-home pay and total compensation package including superannuation to properly compare job offers.
Salary sacrifice planning
Determine how much to salary sacrifice into super to reduce your tax bill while building retirement savings at the concessional 15% tax rate.
Visa holder tax planning
Working Holiday Maker visa holders pay a flat 15% from the first dollar (no tax-free threshold). Calculate the difference compared to resident tax rates.
International comparison
Compare Australian after-tax salary with offers from the US, UK, or other countries, factoring in Medicare Levy, super, and Australia's higher cost of living in major cities.