Australia take-home pay calculator (2025–26)

No. The standard Medicare levy is 2% of taxable income and applies to almost everyone above a low-income threshold. The Medicare levy surcharge is an extra charge, up to 1.5%, that applies only to higher earners who do not hold private hospital insurance — it does not apply if you have private hospital cover.

From the 2025–26 income year, it is a stepped scale: no repayment below the threshold, a marginal rate on income in the next band, a higher marginal rate in the band after that, and a flat percentage of your total income once you are above the top threshold. This tool uses your taxable income as an approximation of “repayment income”, which in reality can also include some other amounts, such as reportable fringe benefits.

No. Salary sacrifice is separate from the compulsory Superannuation Guarantee your employer pays. If you salary sacrifice into super, that amount is deducted from your pay before tax, in addition to the super your employer already pays on your ordinary earnings.

Tick the private hospital cover option and the Medicare levy surcharge will not apply, regardless of your income. The standard 2% Medicare levy still applies either way.

It uses published income tax, Medicare levy and HELP repayment rates for 2025–26. It does not include every offset or the family Medicare levy thresholds, so this is a planning estimate rather than a payslip.