Salary plus super
Entered pay is cash salary. At the modelled 12% rate, employer super is shown as an additional package component.
2026–27 income year · Australian dollars
Australian Pay Rise Calculator
Compare a pay rise after Australian resident income tax and a standard 2% Medicare levy. See the estimated fortnightly take-home change and keep employer super separate from spendable cash.
Income year: 1 July 2026 to 30 June 2027 · Optional 2026–27 study-loan repayment
A$
%
Average across 26 periods per year.
Australian resident estimate with standard 2% Medicare levy. No study-loan repayment included. Low-income Medicare reduction, family thresholds, exemptions and Medicare levy surcharge (MLS) are not modelled.
Results updated. Estimated annual take-home change is $2,720.00.
New annual cash salary
$84,000
$84,000 annual cash salary equivalent
Fortnightly take-home change
$104.62
After resident tax and standard Medicare levy
Annual take-home change
$2,720.00
68.0% of the cash salary rise retained
Employer super change
$480.00
12% package estimate; not take-home pay
| Annual breakdown | Before | After | Change |
|---|---|---|---|
| Entered cash salary | $80,000.00 | $84,000.00 | $4,000.00 |
| Cash salary | $80,000.00 | $84,000.00 | $4,000.00 |
| Resident income tax | -$14,520.00 | -$15,720.00 | -$1,200.00 |
| Standard Medicare levy | -$1,600.00 | -$1,680.00 | -$80.00 |
| Estimated take-home | $63,880.00 | $66,600.00 | $2,720.00 |
| Employer super | $9,600.00 | $10,080.00 | $480.00 |
| Total package | $89,600.00 | $94,080.00 | $4,480.00 |
The entered amount is cash salary. Employer super is added on top. Estimated take-home after resident income tax and standard 2% Medicare levy. Employer super is a 12% package estimate shown separately and never added to take-home. It assumes cash salary is qualifying earnings and applies the A$270,830 annual maximum contribution base, but does not determine actual qualifying earnings; legal employer contributions may differ.
Planning estimate only, not tax advice or an exact PAYG withholding or payslip calculation. See the site disclaimer.
Worked example
What a 5% pay rise can mean after tax
For an $80,000 cash salary plus super, a 5% rise makes the new cash salary $84,000. Under this page's standard-Medicare, no-study-loan assumptions, the $4,000annual cash rise produces an estimated $2,720 more take-home per year, or about $104.62 per fortnight. Estimated employer super increases by $480 and is not added to take-home.
Annual cash rise
$4,000
Annual take-home rise
$2,720
Fortnightly average
$104.62
The result is not found by subtracting one headline tax rate from the rise. The before and after salaries are each run through the marginal resident bands and Medicare model, then their take-home amounts are compared.
Resident rates
How marginal income tax affects a pay rise
Australian resident rates apply progressively. The first part of taxable income can be tax free, then only the income inside each higher band uses the next rate. Moving above $45,000, for example, does not cause the whole salary to be taxed at 30%. Medicare levy is calculated separately from the rates below.
| Taxable income above | Marginal rate |
|---|---|
| $0 | 0% |
| $18,200 | 15% |
| $45,000 | 30% |
| $135,000 | 37% |
| $190,000 | 45% |
Medicare scope: the calculator applies 2% of taxable cash salary. It does not model the low-income reduction, family thresholds, exemptions or Medicare levy surcharge. If any applies to you, the displayed estimate is not your individual Medicare outcome.
Total remuneration
Salary plus super versus a package including super
A quoted salary of $100,000 plus super is not the same offer as a $100,000 package including super. In the first case, estimated employer super is added on top. In the second, the calculator divides the package into cash salary and employer super before estimating tax and take-home.
Package including super
Entered pay is total package. For example, $112,000 separates into $100,000 cash salary and $12,000 employer super.
The 12% figure is an estimated package comparison, not a determination of your legal entitlement. Actual contributions can depend on ordinary time earnings, the maximum contribution base, an award or enterprise agreement, and the terms of the offer. Super is preserved for retirement and is never counted as current take-home cash here.
Pay periods
Why the fortnightly result is an average
Fortnightly means every two weeks, so the calculator divides an annual take-home change into 26 equal averages. It does not mean twice a month, which would be 24 payments. Switching input frequency changes how you express the same annual pay; it does not create extra annual salary.
An employer's actual PAYG withholding and rounding are applied per pay event and can differ from this annual comparison. Use the fortnightly number for planning, then check an actual payslip or an ATO withholding tool when you need payroll-specific withholding.
HELP and other loans
Optional 2026–27 study-loan repayments
Compulsory repayments for HELP and other study and training support loans can change the take-home value of a rise. Select the HELP or study-loan option to apply the official indexed 2026–27marginal schedule. It produces a salary-based repayment-income estimate using the adjustments you enter; it is not a complete tax-return calculation.
Add reportable fringe benefits, total net investment loss, reportable super contributions and exempt foreign employment income when they apply. The result remains an annual estimate and does not track your loan balance or exact payroll withholding.
Methodology
How the 2026–27 estimate works
- 1Annualise the entered current pay and proposed pay from hourly, weekly, fortnightly, monthly or annual terms.
- 2Split entered pay into cash salary, employer super and total package using the selected package treatment.
- 3Apply the full-year Australian resident marginal income-tax bands to the modelled cash salary.
- 4Apply the explicit standard 2% Medicare levy assumption and, when selected, the study-loan schedule to the salary-based repayment-income estimate.
- 5Subtract modelled cash deductions from cash salary and compare before with after.
- 6Convert the annual take-home change into hourly, weekly, fortnightly or monthly averages when selected.
What the estimate excludes
The model assumes a full-year Australian resident with employment cash salary as taxable income. It excludes tax offsets and deductions, other income, non-resident and working-holiday-maker rates, Medicare reductions and exemptions, MLS, private health insurance, salary sacrifice, Division 293, concessional contribution caps, award interpretation, bonuses, allowances and exact PAYG withholding. It is not a tax-return calculation.
Official sources and verification status
Source records below apply from 1 July 2026 and are stored with the calculator constants. ATO pages were checked through Safari on 12 August 2026; current Commonwealth legislation is recorded where the ATO page does not directly publish the implemented 2026–27 value.
- Australian Taxation Office — Tax rates: Australian residents
The ATO page retrieved in Safari currently ends at 2025–26. The 2026–27 15% resident band is verified against the current Income Tax Rates Act 1986 compilation and its 2026 amending Act; Medicare levy is excluded.
Effective 1 July 2026 · Checked 12 August 2026 · Verified by current legislation
- Australian Taxation Office — Super guarantee percentage
ATO table 21 confirms 12% for 2026–27 and table 23 gives an annual maximum contribution base of A$270,830. The model applies the cap but does not determine actual qualifying earnings.
Effective 1 July 2026 · Checked 12 August 2026 · Direct ATO verification
- Australian Taxation Office — Medicare levy
The stored ATO shortcut currently returns 404. The standard 2% rate is verified against the current Medicare Levy Act 1986 compilation; excludes low-income reductions, family thresholds, exemptions and Medicare levy surcharge.
Effective 1 July 2026 · Checked 12 August 2026 · Verified by current legislation
- Australian Taxation Office — Study and training loan repayment thresholds and rates
ATO table 1, updated 30 June 2026. Repayment income includes taxable income, reportable fringe benefits, total net investment loss, reportable super contributions and exempt foreign employment income.
Checked 12 August 2026 · Direct ATO verification
Independent legal cross-checks
- Federal Register of Legislation — Superannuation Guarantee (Administration) Act 1992
Current compilation was reachable and independently confirms the Super Guarantee legislative framework. The calculator still models a simple 12% package estimate rather than legal SG liability.
Checked 12 August 2026 · Legislative framework cross-check recorded
- Federal Register of Legislation — Income Tax Rates Act 1986
Current compilation C2026C00300 applies from 1 July 2026 and incorporates Income Tax Rates Amendment (Tax Reform No. 1) Act 2026 (C2026A00050).
Checked 12 August 2026 · Current compilation verified
- Federal Register of Legislation — Medicare Levy Act 1986
Current compilation C2026C00295 applies from 1 July 2026. The calculator uses only the standard 2% profile and excludes reductions, exemptions and MLS.
Checked 12 August 2026 · Current compilation verified
FAQ
Australian pay rise questions
How much of an Australian pay rise will I keep after tax?
It depends on the marginal resident income-tax rate applying to the next part of your salary, your Medicare position and whether you include a study-loan estimate. This calculator compares annual cash take-home before and after the rise using resident rates and a standard 2% Medicare levy. It excludes individual deductions and offsets.
Does entering a higher tax bracket tax my whole salary at the higher rate?
No. Australian resident income tax is marginal. Only taxable income inside each band uses that band's rate. Crossing a threshold does not apply the higher percentage to every dollar already earned.
Is super included in take-home pay?
No. Employer super is shown separately from cash salary and take-home pay. If your salary is quoted plus super, the calculator adds estimated employer super on top. If your offer is a total package including super, it first separates the package into cash salary and employer super before estimating tax.
What is the difference between salary plus super and a package including super?
Salary plus super means the quoted amount is cash salary and employer super is additional. A package including super is a combined remuneration figure, so the cash salary is lower than the quoted package. Always compare offers on the same basis.
Does this calculator include HELP or HECS repayments?
Yes, when you select the study-loan option. The calculator uses the official 2026–27 marginal schedule and lets you add reportable fringe benefits, total net investment loss, reportable super contributions and exempt foreign employment income. Leave those fields at zero only if none apply.
Why can my fortnightly payslip differ from this estimate?
The calculator divides an annual take-home change into 26 average fortnights. An actual payslip can use PAYG withholding schedules and payroll rounding and can include bonuses, allowances, salary sacrifice, benefits, leave loading, deductions or irregular hours. Your final income-tax position can also include other income, deductions and offsets.