Super on top: Your employer pays 12% superannuation in addition to your quoted salary. Your take-home pay is based on the full gross amount.
Super included: Your salary includes superannuation. Your actual cash salary is approximately gross ÷ 1.12. Tax and take-home are calculated on this lower figure.
Estimate only. Uses ATO 2025-26 tax rates. Does not account for salary sacrifice, investment income, deductions, or Medicare Levy Surcharge. Verify with myTax or a tax agent.
This calculator estimates your Australian take-home pay for FY 2025-26 using ATO PAYG income tax rates, the Medicare levy, and superannuation. The super toggle matters more than most people realise: many job ads quote a salary "package" that already includes the 12% employer super contribution, while others quote a base salary with super paid on top — getting this wrong can overstate your real take-home pay by thousands of dollars a year. If you have a HECS/HELP debt, tick the box to include your estimated compulsory repayment in the result.