Reference · 2026–27 · Generated 16 September 2026
Australian take-home pay reference
A reproducible comparison of 90 salary scenarios, showing how gross pay becomes an annual take-home estimate.
This is original modelled output from Payko's calculation engine, not a survey of wages or a promise of what payroll will pay. It covers salaries from $30,000 to $250,000 in $5,000 increments, each with and without HELP.
Download CSV Download JSON and assumptions
Selected salary comparisons
| Gross salary | No HELP | With HELP | Difference for HELP |
|---|---|---|---|
| $40,000.00 | $36,725.00 | $36,725.00 | $0.00 |
| $60,000.00 | $50,715.00 | $50,715.00 | $0.00 |
| $80,000.00 | $64,200.00 | $62,779.20 | $1,420.80 |
| $100,000.00 | $77,800.00 | $73,379.20 | $4,420.80 |
| $120,000.00 | $90,210.00 | $82,789.20 | $7,420.80 |
| $150,000.00 | $108,957.50 | $96,651.39 | $12,306.11 |
| $200,000.00 | $137,615.00 | $117,715.00 | $19,900.00 |
| $250,000.00 | $163,365.00 | $138,465.00 | $24,900.00 |
Inputs and method
2026–27, Australian tax resident, single, no dependants, no private hospital cover, no other income, additional deductions or salary sacrifice. The legislated standard work-related deduction applies. HELP is included only where labelled; employer super is separate from take-home pay. Results include modelled income tax after offsets, Medicare levy and any surcharge. Annual estimates are divided by 26 for a fortnightly average, not a payroll withholding promise. Check current rate status: Medicare low-income thresholds may be provisional.
For each salary, the engine separates super, applies the legislated standard work-related deduction, calculates taxable income, applies resident tax brackets and the eligible low-income tax offset, then subtracts the modelled Medicare levy, surcharge and HELP repayment. HELP scenarios assume a balance large enough for the full calculated repayment. Cash salary minus those liabilities gives annual take-home. Monthly, fortnightly and weekly averages divide by 12, 26 and 52.
Results are rounded to cents. The CSV contains the standard deduction, taxable income, tax before and after offsets, applied LITO, Medicare levy, surcharge, HELP, take-home and employer super, so differences can be inspected. The model does not calculate family benefits, child support, all tax offsets or individual payroll deductions.
Reproduce and verify
- Download the JSON to retain the exact assumptions and engine SHA-256 fingerprint.
- Use the reproduction script (save it as
reproduce.mjs) with a local copy of Payko's site files, retaining the engine and its imports. - Run
node australian-take-home-reference/reproduce.mjsand compare annual take-home amounts with the CSV. - Review dated primary rate sources and calculation checks. The generation date does not mean every input rate was verified on that date.
How to cite this reference
Payko (Cenex Pty Ltd), “Australian take-home pay reference 2026–27”, generated 16 September 2026, https://payko.com.au/australian-take-home-reference/. State the selected salary, HELP setting and assumptions when using a number.
Accountability and corrections
Payko is a product of Synthetik, a registered business name of Cenex Pty Ltd (ABN 28 630 572 315). The organisation is responsible for maintaining this resource. No independent professional review is claimed. Report an error with the salary, settings and expected result; see about Payko and our methodology.