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Every rate is dated and linked to its source, and every calculation runs in your own browser. Nothing you type is sent to us.

Super, employment and tax guides

Superannuation calculatorWorked examples, assumptions and primary sources.Casual loading calculatorWorked examples, assumptions and primary sources.FBT calculatorWorked examples, assumptions and primary sources.Medicare levy vs surchargeWorked examples, assumptions and primary sources.Take-home pay by stateWorked examples, assumptions and primary sources.

Compare hourly rates after tax

Income and tax

Built on the ATO’s own PAYG withholding formulas, so the per-pay figures match a real payslip.

Take-home pay calculator On $85,000 you keep $67,600 a year. Income tax calculator $15,720 tax on $85,000, plus resident, foreign and working holiday rates. HECS-HELP repayment $2,321 a year on $85,000 under the marginal system. Salary after tax, by income Every salary from $30,000 to $250,000, with a full breakdown. Capital gains tax The 50% discount now, and CPI indexation plus the 30% minimum tax from 1 July 2027. Salary sacrifice & super What sacrificing really saves after the 15% contributions tax. Tax return estimate Your refund or bill for 2025-26 or 2026-27. Sole trader & contractor tax ABN income tax, the small business offset, and what to set aside. GST calculator GST is one eleventh of a GST-inclusive price, not one tenth.

Checking your pay

Check a payslip, a bonus or an overtime week against the ATO’s own withholding tables.

Payslip checker Is the tax and super on your payslip right? Minimum wage 2026-27 $26.44 an hour from 1 July 2026, and what it leaves after tax. Overtime & penalty rates Time and a half, weekends and public holidays, permanent or casual. Bonus tax What is withheld from a bonus, and what comes back at tax time. Medicare levy surcharge Is basic hospital cover cheaper than the surcharge? Pay after tax by week, fortnight or month From $500 a week to $20,000 a month. Second job tax What each job withholds, and whether you will owe at tax time. Pro rata & part-time salary Part-time pay, FTE, and hourly to yearly conversions. Annual leave Leave built up, leave loading, and what it is worth after tax.

Interest rates and savings

The cash rate since 1990, repayments at every common loan size, and what savings earn after tax.

RBA cash rate history Every decision since 1990, and the 2026 meeting dates. Mortgage repayments by loan size From $300,000 to $2 million at today’s average rate. Savings & compound interest Interest after tax and inflation, year by year.

Property and lending

Daily interest accrual, honest fortnightly conventions, and duty tables checked against each revenue office.

Mortgage repayment $4,104 a month on $650,000 at 6.49% over 30 years. RBA rate forecast model Cash rate 4.60%. Move inflation and unemployment and see where it goes next. Property price forecast model Home values by capital city, with rates, wages, population and building as levers. Negative gearing What a rental loss saves you, and whether the 2027 limits apply to your property. Borrowing power With the APRA 3 point buffer and the debt-to-income limit. Stamp duty by state $32,437 in NSW on an $850,000 property. 6 jurisdictions.

How to read anything on this site

Every figure is an estimate produced from published rates, not personal advice. Where a rate for 2026-27 has not been published yet, we carry the previous year forward and label it provisional rather than guess. Where we have not been able to verify a schedule at all, we publish no number - see South Australia and the Northern Territory on the stamp duty page for what that looks like.

Methodology · Data sources · Corrections

Start here: your take-home pay

Take-home pay

$67,600

a year - $2,600 a fortnight

2026-27 full-year resident employment, standard work deduction, no additional deductions. Assumptions and sources.

Gross salary$85,000.00
Income tax$15,720.00
Medicare levy$1,680.00
Super paid on top$10,200.00

Plan your next pay decision