Check your pay · 2026-27

Payslip checker

On $3,000 a fortnight, your employer should withhold $598 in tax and pay $360.00 in super, leaving $2,402.00 in your account. Enter the figures from your own payslip to check them.

Tax that should be withheld

$598.00

per fortnight, from the ATO's Schedule 1 formula

Gross pay	$3,000.00
Tax (Schedule 1)	-$598.00
Study loan (estimate)
Net pay	$2,402.00
Super owed (12%)	$360.00

If every pay this year looked like this, about $15,548 would be withheld against a tax bill of $15,480.

Why your payslip might not match

Tax-free threshold. You can only claim it with one employer. Without it, much more is withheld: the second-job setting shows how much.
HECS-HELP. A study loan adds its own withholding on top of the tax, so tick the box if you have one.
A bonus, back pay or commission. These use a different ATO method. Use the bonus tax calculator instead.
Salary sacrifice. Tax is worked out on the pay after the sacrifice, so enter the reduced gross.
Extra tax requested. If you asked your employer to withhold more, the payslip will be higher by that amount.
A 27-fortnight year. Some years have an extra payday, and the tables do not allow for it. Why that matters.

Common questions

How do I check the tax on my payslip is right?

Enter your gross pay for the period and how often you are paid. The checker works out the tax your employer must withhold using the ATO's own Schedule 1 formula, the same one payroll software uses. On $3,000 a fortnight with the tax-free threshold claimed, that is $598.

Why is my tax higher than the calculator says?

The usual causes are: you have not claimed the tax-free threshold with this employer (common with a second job), you have a HECS-HELP debt, the pay includes a bonus or back pay, or you asked for extra tax to be withheld. Each one is a setting in the checker.

How much super should be on my payslip?

From 1 July 2025 the super guarantee is 12% of ordinary time earnings. Overtime is not ordinary time earnings, so super is not owed on it. From 1 July 2026 employers must pay it with every pay, not quarterly.

If the tax withheld is wrong, do I lose that money?

No. Withholding is a prepayment. Your actual tax is worked out on your tax return, and anything over-withheld comes back as a refund. Under-withholding means a bill, which is the bigger risk with two jobs.

More ways to check your pay

Minimum wage 2026-27$26.44 an hour, and what it leaves after tax.Overtime & penalty ratesTime and a half, weekends and public holidays.Bonus taxWhy a bonus looks over-taxed, and what you get back.Medicare levy surchargeIs hospital cover cheaper than the surcharge?Pay after tax by week, fortnight or monthFrom $500 a week to $20,000 a month.Tax return estimateRefund or bill for 2025-26 or 2026-27.Second job taxWhy two jobs can end in a tax bill.Sole trader & contractor taxWhat to set aside from each invoice.Pro rata & part-time salaryPart-time pay and hourly conversions.Annual leaveLeave built up, and what it is worth.

How this is worked out

Tax uses the ATO's Schedule 1 coefficients for payments from 1 July 2026 (NAT 1004): the formula payroll software must follow, rounded to the dollar exactly as the ATO specifies.
The study loan amount is an estimate: the annual compulsory repayment spread evenly over the year. The ATO's own study loan tables can differ by a few dollars a pay.
Super is 12% of gross pay less overtime. Some allowances and bonuses are also outside ordinary time earnings; if yours are, enter them as overtime.
A result within $2 counts as a match, to allow for rounding.

Estimate only, not financial or tax advice. If something looks wrong, ask your payroll team first; the ATO and the Fair Work Ombudsman can help if it is not resolved. See our methodology.