Not sure where your salary sits? The table below shows what a single employee takes home in Australia at 8 common salaries, using the same rules as the calculator above. A $40,000 salary leaves $36,725 a year, or $3,060 a month, which is 92% of the gross figure. At $150,000 the take-home share is 74%, or $9,235 a month.

Select a salary in the first column for its own page with the full breakdown, hourly and weekly pay. The last column shows the share of any extra pay you would keep after tax and contributions.

Two numbers describe your tax burden. The effective rate is the share of your whole salary that goes to tax and contributions. In Australia it rises from 8.2% to 26.1% across the salaries in the table above. The marginal rate is the share of your next unit of income that is taxed, and it is what matters when you consider a raise, overtime or a bonus.

The marginal rate is lowest around $40,000, where 22% of each extra amount goes to tax, and highest around $150,000, where it reaches 39%. Between those points the rate is not always a smooth climb, because allowances, credits and caps on social contributions switch on and off at different incomes.

A practical example: a 10% raise on $100,000 adds $10,000 to your gross pay but $6,800 to your take-home pay a year, so 68% of the raise reaches your account. Use the calculator and enter a bonus or overtime to see the same effect for your own numbers.

To see how the calculation works, here is a $100,000 salary for a single employee. The average full-time wage is $105,478, so this is a typical figure. The result is $77,800 a year, $6,483 a month or about $37.40 an hour on a 40-hour week.

The largest deduction is Income Tax, at $20,220 or 20.2% of gross pay. Taken together, tax and contributions amount to 22.2% of the salary. Put another way, you work from 1 January until about 22 March each year just to cover them, and about 9 of every 40 hours you work. Credits, where they apply, show as a plus sign because they reduce the tax you owe.

Job offers are quoted per year but bills arrive monthly, so it helps to see the same salary per period. The figures below divide the $100,000 example by 12 months, 26 two-week periods, 52 weeks, 260 working days and 2,080 working hours (a 40-hour week). Your own pay schedule, hours and holidays can differ, and you can change them under More Options in the calculator.

How much of a typical paycheque survives tax in Australia? The table applies the calculator to benchmark salaries from official statistics (the sources are listed in the “Do You Earn a Good Salary?” chart above). A full-time worker on the minimum wage keeps 87% of gross pay, while the average earner keeps 77%.

Single employee, standard settings, tax year 2026–27.

Australian employers pay weekly, fortnightly or monthly and withhold tax under the PAYG system. The financial year runs from 1 July to 30 June, and you lodge a tax return afterwards to settle any difference. Your employer must also pay superannuation, currently 12% of ordinary earnings, into a fund on your behalf; it is paid on top of your salary and is not deducted from it, unless your package is quoted as inclusive of super.

The calculator uses the resident tax rates for 2026–27 for a single employee with no other income.

Income tax

Residents pay nothing on the first $18,200, then 15% to $45,000, 30% to $135,000, 37% to $190,000 and 45% above that (2026–27). The Low Income Tax Offset reduces tax for lower earners.

Medicare levy

2% of taxable income, with a reduction for low incomes.

Standard work deduction

A $1,000 standard deduction for work-related expenses has been announced for 2026–27. It is on by default and you can switch it off in the options.

Superannuation (not deducted)

The employer’s 12% super contribution is extra pay into your retirement fund. It does not reduce your take-home pay, but high earners may pay extra tax on it above the concessional cap.