Free PAYG & Net Salary Calculator Australia
Estimate your income tax, Medicare levy and take-home pay using Australian resident tax rates for the 2025–26 financial year.
Quickly compare gross pay against estimated after-tax income across weekly, fortnightly, monthly and annual pay periods.
PAYG & Take-Home Pay Calculator
Enter your gross income, choose your pay frequency, and estimate annual tax, Medicare levy and net pay across common pay periods.
Your estimated results
What this PAYG calculator shows
Use this tool when you want a quick estimate of PAYG withholding and take-home pay before reviewing payroll, wages or personal tax planning.
Estimate annual income tax using Australian resident tax brackets.
See how the 2% Medicare levy estimate affects take-home pay.
Compare weekly, fortnightly, monthly, quarterly and annual net income.
Get a clearer view of what may actually land in your account.
How PAYG and net salary work in Australia
PAYG withholding is the amount withheld from wages or salary and sent to the Australian Taxation Office on behalf of an employee. Net salary is what remains after estimated tax and Medicare levy are taken out.
This calculator helps you understand the difference between gross pay and estimated take-home pay using current Australian resident tax rates.
What this estimate does not include
This tool is intentionally simple. It does not cover every tax, payroll or personal circumstance.
HELP or HECS
Student loan repayments are not included in this estimate.
Salary packaging
Salary sacrifice, super arrangements and packaging are not calculated.
Personal offsets
Deductions, rebates, offsets and special circumstances are not included.
Need more than a calculator?
If this estimate raises questions about PAYG, wages or payroll accuracy, the bigger issue is usually in your payroll setup or bookkeeping process.
You can review our payroll services, bookkeeping services or small business accountant support to get the numbers cleaned up properly.
Or if you are not sure what you need yet, contact us here.
Frequently asked questions
What is PAYG withholding?
PAYG withholding is the tax withheld from wages or salary and paid to the ATO on behalf of the employee.
Does this calculator use current Australian tax rates?
Yes. This page is set up using Australian resident tax rates for the 2025–26 financial year and includes an optional 2% Medicare levy estimate.
Can this calculator replace personal tax advice?
No. It is a general estimate only and does not include every factor that may affect your actual PAYG withholding or tax position.
How do I calculate net salary in Australia?
A simple way is to start with gross income, estimate income tax and Medicare levy, then subtract those amounts to arrive at net pay. This tool does that using current resident tax thresholds.
Need help checking PAYG, payroll or bookkeeping?
Use this calculator as a starting point, then get your payroll setup, PAYG reporting and bookkeeping checked properly.
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