Salary and tax guides
Short, factual explainers on how pay, tax and super work in Australia.
How income tax works in Australia
The financial year, brackets, withholding and tax returns in plain English.
Read guideWhat is the tax-free threshold?
How the $18,200 threshold works and what to do with two jobs.
Read guideHow superannuation works
The super guarantee, who is covered and what it adds to your package.
Read guideWhat is the Medicare levy?
The 2% levy, low-income reductions and exemptions.
Read guideHow HELP/HECS repayments work
Thresholds, repayment income and the marginal system.
Read guideGross salary vs net salary
What comes out of your pay between the offer and your bank account.
Read guideSalary package vs base salary
How to convert between a package including super and a base salary.
Read guideHow to compare two job offers
A step-by-step way to compare offers on a like-for-like basis.
Read guideEmployee salary vs contractor rate
Why contractor rates look high, and what they have to cover.
Read guide
Calculators
- Salary calculatorTake-home pay by year, month, fortnight and week.
- Income tax calculatorIncome tax, Medicare levy and your marginal rate.
- Pay rise calculatorSee how much of a raise you keep after tax.
- Salary comparisonCompare the take-home pay of two job offers.
- Hourly to salaryConvert an hourly rate to an annual salary and back.
- Salary package calculatorSplit a package into base salary and super.
- Contractor rate calculatorEstimate the day rate that matches a salary.
- HECS/HELP repayment calculatorEstimate your compulsory study loan repayment.
- Australian tax bracketsCurrent and recent individual income tax rates.
Estimates only. Calculations are estimates only and are provided for general information. They do not constitute tax or financial advice. Your actual tax depends on your full circumstances, including deductions, other income and offsets. Check the ATO website or speak to a registered tax agent before making decisions.