Take-Home Pay Calculator
Find out exactly what hits your bank account after tax. AgoTax computes your take-home pay (gross salary minus income tax, Medicare levy, MLS, HELP repayments, and any salary sacrifice) and breaks it down per pay cycle. Toggle the year to compare FY 2024-25 vs FY 2025-26. Adjust the tax category (Australian resident, no tax-free threshold, non-resident, working holiday maker) to match your situation. The whole thing updates live, so dragging the salary slider is the fastest way to explore "what if I earned X" scenarios.
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Frequently asked
What's the difference between gross and take-home pay?
Gross is your headline salary; take-home is what arrives in your bank after PAYG withholding, Medicare levy, and any HELP repayments. Super is paid by your employer on top of gross (it doesn't reduce take-home), unless your contract bundles it.
Does take-home include super?
No — super goes to your retirement fund, not your bank account. AgoTax shows it separately in the pay split chart so you can see the total package.
How accurate is the calculation?
Within rounding of the ATO's own estimator. The ATO's PAYG tables and AgoTax both use the same marginal-rate brackets, Medicare rules, and LITO formula.