What’s your take-home pay?
Your pay after tax, Medicare and HELP, with super on top. 2026–27 rates, including the new 15% bracket.
Paid by the hour with weekend and night rates? Check your shifts against your award.
Common questions
How is take-home pay worked out?
Your yearly pay, less income tax at the resident rates for the year, the low income tax offset, the 2% Medicare levy (and the surcharge if you have no private hospital cover), and any study loan repayment. Super is paid by your employer on top, unless your pay is a package that includes it.
What changed for 2026–27?
The 16% tax rate dropped to 15%, and you can claim a standard $1,000 deduction for work expenses without receipts. The 15% rate drops again to 14% from 1 July 2027.
Why is the refund an estimate?
Your employer withholds tax from each pay using the ATO’s withholding tables, which don’t know about your deductions, other income or offsets. The difference comes back, or is owed, when you lodge your return.
How do HELP repayments work now?
From 2025–26 you only repay on the part of your income above the threshold: 15c in each dollar over it, and 17c over the second threshold, never more than 10% of your income.
Do I pay tax on a working holiday visa?
Working holiday makers pay 15% on the first $45,000, then the normal rates. There’s no Medicare levy and no tax-free threshold.