Australian Pay Calculator

Yes. The calculator supports weekly, fortnightly, monthly, annual, and hourly inputs, then converts the result across common pay cycles. That makes it useful whether you are checking a weekly payslip, comparing a fortnightly offer, or estimating annual take-home pay from a salary package.

If your quoted pay includes super, part of the total package is set aside for employer super contributions and the remainder is treated as taxable salary or wages. If your quoted pay excludes super, super is added on top. This distinction materially changes both your take-home pay and your employer's total payroll cost.

Overtime rules depend on the relevant modern award, enterprise agreement, or employment contract. In many cases the first overtime hours are paid at 1.5x and later hours at 2.0x, while Sundays and public holidays may attract higher penalty rates. This calculator supports hourly mode with adjustable overtime multipliers, but you should always confirm the exact rule against your award.

Yes. If you indicate that you have a HELP, HECS, or other STSL-style student debt, the calculator estimates compulsory repayments using the applicable thresholds and repayment rules for the selected financial year. This is useful for understanding why your take-home pay can differ from someone on the same gross income without a student debt.

Yes. For relevant residency settings, the calculator estimates the Medicare Levy and can also account for the Medicare Levy Surcharge where private hospital cover is not held and income is high enough. These amounts are important because they sit on top of ordinary income tax and can materially change your net pay.

Casual employees often receive a 25% loading on top of the base permanent hourly rate instead of paid annual leave and personal leave entitlements. Whether overtime and penalty rates are calculated on the loaded rate or the base rate depends on the applicable industrial instrument, so casual employees should compare their payslip to their award carefully.

Salary sacrifice reduces your taxable salary before PAYG withholding is worked out, which can lower income tax but also reduces the cash you receive in hand. The most common example is additional pre-tax super contributions. It is effective for scenario planning, but packaging rules and caps should be checked before making a decision.

This calculator is designed for payroll estimation using current-year tax settings, super rates, and common withholding assumptions. Actual payslips can differ due to award-specific rules, rounding in payroll software, after-tax deductions, leave accruals, allowances, roster variations, and employer-specific payroll configurations. Use it for planning, then confirm with your payroll team or adviser if precision matters.

Payday Super is the ATO reform that moves superannuation contributions from quarterly (within 28 days of quarter-end) to payday (within 7 business days of paying employees). The change takes effect from 1 July 2026. It improves cash flow for employees because they receive their super contribution sooner, and simplifies employer payroll timing by aligning super payments with wage payments.

Qualifying Earnings (QE) is the earnings base for super from 1 July 2026, and it is broader than the current Ordinary Time Earnings (OTE). QE includes ordinary pay, allowances, overtime, penalty rates, paid leave, bonuses, and salary-sacrificed amounts. Most employees will see equal or higher super contributions under QE because more earnings types are now counted. The calculator will update to reflect QE calculations as the 2026 changes approach.

Payday Super itself doesn't change the super rate (12% in 2025–26) or reduce take-home pay. However, because QE is often broader than OTE, your total superannuation contribution may increase slightly for some roles, particularly if your earnings include significant overtime, allowances, or penalties. You won't see this on your take-home pay statement because super is contributed directly to your fund.

Yes. From 1 July 2026, employers must set up automated SuperStream payments within 7 business days of each pay cycle. The Small Business Superannuation Clearing House (SBSCH) will close, so direct fund debit or SuperStream contributions become mandatory. Most modern payroll software providers are already preparing updates, but employers should check with their payroll provider early to ensure compliance.