Australian salary planning · 2026–27

Salary planner

Compare job offers, part-time hours, purchased leave, bonus income and your projected year-end position.

What would you like to plan?

Annual job offersOffer A annual amount ($)Offer A amount includes employer superOffer B annual amount ($)Offer B amount includes employer super

Compare salary and super only. Equity, insurance, benefits, working hours and commuting costs are not valued.

Personal settings for all scenariosI have a HELP or other study loanI have eligible private hospital cover for the full year

Australian resident for the whole year, single, no dependants, salary income only and no deductions. Study-loan balance is assumed sufficient to cover the repayment.

Scenario links include entered amounts in the URL fragment. Share only figures you want the recipient to see.

Understand the estimate

The planner uses the same annual tax engine as Payko’s pay calculator. It includes resident income tax, the low income tax offset, Medicare levy and applicable surcharge, and optional compulsory HELP repayments. Employer super is separate from cash take-home pay. Division 293 tax is not deducted from cash results. Annual averages differ from actual payslip withholding.

Purchased leave and FTE calculations assume pay scales proportionally with hours and paid weeks. YTD projections assume no income outside the salary entered, no tax offsets beyond those modelled and no other tax-return adjustments. Check rate status and provisional thresholds before relying on an estimate.

Bonus withholding and back pay

A bonus raises annual taxable income, but payroll uses additional-payment withholding rules. The ATO’s Schedule 5 covers bonuses and back payments; withholding depends on the payment and relevant periods. This planner shows the change in the estimated annual liability, which can differ from your bonus payslip.

Compare an $85,000 offer with a $95,000 offer

When both offers exclude super, this example gives annual take-home of $67,600.00 and $74,400.00. The higher offer adds $6,800.00 to annual take-home. Employer super is $10,200.00 versus $11,400.00.

Use the includes-super checkbox separately for each offer. Then compare hours, paid weeks or purchased leave if the jobs have different working arrangements. The hourly-rate salary tables and package guide explain these distinctions.

Worked example generated from Payko's 2026–27 annual engine on 16 September 2026. Australian resident, single, no dependants, no HELP, additional deductions or private hospital cover; the standard work deduction applies. Employer super is separate. Annual averages differ from payroll withholding; Medicare low-income thresholds remain provisional. Sources and rate status · Calculation checks.