Salary & HECS Calculator
Your exact take-home pay — after income tax, Medicare levy, HECS/HELP, and super. Handles salary sacrifice, non-residents, and Medicare Levy Surcharge. 2025–26 rates.
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Take-Home Pay Calculator Australia 2025–26
This after-tax salary calculator covers every major deduction Australian employees face: income tax, the Medicare levy, HECS/HELP student debt repayments, salary sacrifice to super, and the Medicare Levy Surcharge for those without private hospital cover. All calculations run instantly in your browser — nothing is sent to a server.
After-Tax Salary & HECS Calculator — How It Works
- First $18,200 — tax free
- $18,201 – $45,000 — 19c per dollar
- $45,001 – $120,000 — 32.5c per dollar
- $120,001 – $180,000 — 37c per dollar
- $180,001+ — 45c per dollar
| Taxable income | Tax rate |
|---|---|
| $0 – $18,200 | Nil |
| $18,201 – $45,000 | 19c per $1 over $18,200 |
| $45,001 – $120,000 | $5,092 + 32.5c per $1 over $45,000 |
| $120,001 – $180,000 | $29,467 + 37c per $1 over $120,000 |
| $180,001+ | $51,667 + 45c per $1 over $180,000 |
The Low Income Tax Offset (LITO) reduces tax by up to $700 for incomes under $66,667. Most residents also pay a 2% Medicare levy.
What is a HECS/HELP repayment?
HECS-HELP debt is repaid through the tax system once income exceeds $54,435 (2025–26). The ATO withholds an extra 1%–10% depending on income. You don't need to know your exact debt balance to estimate this year's repayment — just tick the checkbox above.
Non-resident tax rates (2025–26)
Non-residents don't receive the tax-free threshold. Tax starts at 32.5% from the first dollar up to $120,000. No Medicare levy applies. No LITO.
Medicare Levy Surcharge (MLS)
Higher-income earners ($93,000+) without private hospital cover pay an additional 1%–1.5% on top of the standard 2% Medicare levy. Taking out private hospital cover removes the MLS.