THE EVERYDAY NUMBERS, MADE CLEAR
Know what comes home.
Your pay, tax and super. A little less complicated.
Your take-home pay
Live estimate— / month
Enter your income to see the annual estimate
The breakdown
Per month- Gross income (incl. other income)
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- Salary sacrifice to super
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- Income tax after low income tax offset
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- Medicare levy
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- Medicare levy surcharge
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- Student loan repayment
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- After-tax super from pay
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- Personal deductible super from pay
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- Take-home pay
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Estimated personal tax saving
— / year, before super fund tax
How the saving is calculated
| Annual amount | Without | With |
|---|
Same salary, partner income, cover and other settings. Only salary sacrifice and the dedicated personal contribution are removed for the comparison. HELP changes are shown separately and are not tax savings. Actual fund tax, Division 293, excess-contribution assessments and government super payments are excluded. Savings are conditional on deductibility and cap eligibility, and are not a total financial benefit.
Annual liability estimate, averaged across pay periods.
What would a pay rise look like?
Keeps your other settings the same. Salary is entered annually.
Calculator disclaimer & important information
Information, not personal advice
This calculator and its reports provide general factual information and illustrative estimates. Entering financial details does not provide a personal recommendation or a suitability assessment. The tool is not a substitute for tax, financial, accounting or legal advice and does not recommend a contribution, insurance policy or other strategy.
Accuracy, errors and changing rules
Calculations depend on the inputs, assumptions, rounding and selected financial year. Errors or omissions can occur in inputs, formulas, source data or software. Results may differ from payslips, ATO assessments and other calculators. Checks and review dates do not guarantee accuracy, completeness, currency or suitability. Changes to law, thresholds or ATO interpretation may apply retrospectively.
Check before acting
Check your entries and eligibility. Do not rely solely on this estimate to lodge a tax return, change withholding, salary sacrifice, contribute to super, choose insurance, borrow or claim benefits. Confirm tax outcomes with the ATO or a registered tax agent, and obtain appropriately licensed financial advice when needed. Using the tool does not engage us to prepare or lodge a return or monitor your circumstances.
Assumptions and separate liabilities
This is an annual liability model, not a PAYG withholding service. It assumes the full-year residency and family circumstances stated. Read the detailed assumptions and exclusions. Separate liabilities, including Division 293 and excess-contribution assessments, may still be payable. The tool does not verify deductions, hospital-cover eligibility, loan balances or contribution-cap carry-forwards.
Independent tool and report snapshots
FP Doc Finder is independent of the ATO; government approval or endorsement is not represented. Source links and comparison testing are not certification. A downloaded report is a snapshot, not a tax return, payslip, notice of assessment or proof of income. Recheck before later use and store or share exported financial information carefully.
Your legal rights
Nothing in these notices excludes, restricts or modifies any consumer guarantee, right, remedy or liability that cannot lawfully be excluded, including under the Australian Consumer Law. These notices do not excuse misleading conduct, a failure to exercise legally required care or other non-excludable duties. Any disclaimer operates only where lawful. You can report a suspected error without giving up your legal rights.
Read the calculator terms and limitations and privacy notice. To report a calculation issue, use the contact details in the terms and include the financial year and illustrative inputs. Do not send tax file numbers, account numbers or identity documents.
See every pay period
| Your pay | Weekly | Fortnightly | Monthly | Annually |
|---|
How your income tax is calculated
Only the income within each bracket is taxed at that rate. Your marginal rate applies to the next dollar in the rate schedule; it excludes Medicare, HELP and changes to offsets.
| Taxable income band | Rate | Your annual tax |
|---|
Assumptions, accuracy & sourcesReviewed 4 Nov 2026
This is an annual income tax estimate for adults who are Australian or foreign tax residents for the full year. Weekly, fortnightly and monthly figures are averages, not ATO PAYG withholding calculations or a prediction of an individual payslip. Work deductions and annual offsets can create a difference at tax time.
Taxable income and income-test totals are rounded down to whole dollars. Tax components are rounded to cents. Deductions reduce taxable income, not the cash figure. Bonus is treated as ordinary earnings for super; overtime is excluded. Employer super is shown before fund tax. The 2025–26 quarterly super limit is annualised, assuming earnings are evenly spread. Paydays, irregular earnings and multiple employers can change actual contributions.
Family calculations assume an unchanged family situation for the year, no SAPTO and no spouse Medicare exemption. Hospital cover must cover all relevant family members. Part-year residency, partial Medicare exemptions, seniors offsets, working holiday rates, special tax offsets, franking credits, capital gains, termination payments, private health rebate adjustments, super fund tax, Division 293 and excess contributions tax are outside scope. Net investment losses entered here are income-test add-backs only; enter eligible deductions separately. Foreign residents' overseas study-loan obligations require separate advice.
General information only. Check the inputs and source rules for your circumstances before relying on the estimate.
Calculator disclaimer & important information
Information, not personal advice
This calculator and its reports provide general factual information and illustrative estimates. Entering financial details does not provide a personal recommendation or a suitability assessment. The tool is not a substitute for tax, financial, accounting or legal advice and does not recommend a contribution, insurance policy or other strategy.
Accuracy, errors and changing rules
Calculations depend on the inputs, assumptions, rounding and selected financial year. Errors or omissions can occur in inputs, formulas, source data or software. Results may differ from payslips, ATO assessments and other calculators. Checks and review dates do not guarantee accuracy, completeness, currency or suitability. Changes to law, thresholds or ATO interpretation may apply retrospectively.
Check before acting
Check your entries and eligibility. Do not rely solely on this estimate to lodge a tax return, change withholding, salary sacrifice, contribute to super, choose insurance, borrow or claim benefits. Confirm tax outcomes with the ATO or a registered tax agent, and obtain appropriately licensed financial advice when needed. Using the tool does not engage us to prepare or lodge a return or monitor your circumstances.
Assumptions and separate liabilities
This is an annual liability model, not a PAYG withholding service. It assumes the full-year residency and family circumstances stated. Read the detailed assumptions and exclusions. Separate liabilities, including Division 293 and excess-contribution assessments, may still be payable. The tool does not verify deductions, hospital-cover eligibility, loan balances or contribution-cap carry-forwards.
Independent tool and report snapshots
FP Doc Finder is independent of the ATO; government approval or endorsement is not represented. Source links and comparison testing are not certification. A downloaded report is a snapshot, not a tax return, payslip, notice of assessment or proof of income. Recheck before later use and store or share exported financial information carefully.
Your legal rights
Nothing in these notices excludes, restricts or modifies any consumer guarantee, right, remedy or liability that cannot lawfully be excluded, including under the Australian Consumer Law. These notices do not excuse misleading conduct, a failure to exercise legally required care or other non-excludable duties. Any disclaimer operates only where lawful. You can report a suspected error without giving up your legal rights.
Read the calculator terms and limitations and privacy notice. To report a calculation issue, use the contact details in the terms and include the financial year and illustrative inputs. Do not send tax file numbers, account numbers or identity documents.