PAYG / Net Salary Calculator Australia
Estimate income tax, Medicare levy, and your take-home pay using Australian resident tax rates for the 2025–26 financial year. This PAYG calculator helps you understand your net salary based on current tax thresholds.
Built for Australian employees and small business owners, this net salary calculator gives a quick estimate of PAYG withholding and after-tax income across weekly, fortnightly, monthly, or annual pay.
PAYG + Take-Home Pay Estimator
Enter your gross income, choose the pay frequency, and estimate annual tax, Medicare levy, and net pay.
Your estimated results
What this calculator helps with
This tool gives a quick estimate of PAYG withholding and take-home pay before you look deeper into payroll or tax planning.
- Estimate your annual income tax using resident tax brackets
- See how Medicare levy affects take-home pay
- Compare weekly, fortnightly, monthly, and annual net income
- Get a cleaner picture of gross pay versus after-tax pay
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 your behalf. Your net salary is what remains after estimated tax and Medicare levy are taken out.
A calculator like this helps you understand the difference between gross pay and take-home pay, especially when you want a quick estimate using current Australian resident tax rates.
How to use this calculator
- Enter your gross income amount.
- Select whether the amount is weekly, fortnightly, monthly, or annual.
- Choose whether to include the 2% Medicare levy estimate.
- Click calculate to see annual tax and estimated net pay across different pay periods.
This tool is designed as a quick estimate. It is most useful when you want a simple PAYG and take-home pay guide rather than a fully personalised tax calculation.
What this estimate does not include
- HELP or HECS repayments
- Salary sacrifice arrangements
- Superannuation contributions
- Deductions, offsets, rebates, or special circumstances
- Non-resident tax treatment
That is why this page should be used as a general estimator only, not as personal tax advice.
Related help for small businesses
If you need more than a calculator, these pages may be useful as well:
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.