PayLens

Australian pay calculator

Know what your pay is really worth — take-home pay, job offers, budgets and family decisions, worked out in seconds with every assumption shown.

What you earn
$
Australian resident, no offsets. Change residency and salary packaging in the full calculator.
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You take home
—
per month, after tax
Tax per year—
Super per year—
Annual compensation breakdown
Net pay —
Income tax & Medicare —
HELP repayment —
Super, paid on top —
Left after typical expenses—

Using 2026–27 Australian tax year rules, · Calculation & methodology

One rule set behind every pay decision.

Six calculator systems read from the same versioned Australian tax rules, so the figure you see in the pay calculator is the figure your comparison, your budget and your household model are built on.

Pay Calculator

Start with what actually lands in your account

Net pay, income tax, Medicare, HELP and employer super, at any pay frequency. Every assumption listed beside the result.

Open the calculator ›
Take-Home Pay 2026–27
$9,711 per month on $160,000
● Take-home 72% ● Income tax 21% ● Medicare 2%
Comparison

Two offers, one honest delta

Super rate, commute, unpaid hours and childcare all move the answer.

Current job$8,140
New offer$8,842
Spendable delta+$702/mo
Compare offers ›
Planning

Budget from net, not package

Essentials, savings and what is genuinely left over.

Single, renting Sydney
Essentials58%
Savings22%
Discretionary20%
Left over$1,943 /mo
Plan a budget ›
Family

Does day four pay for itself?

Extra income, childcare fees and subsidy withdrawal in one calculation.

12345
Net gain, day three+$96/wk
Childcare fee$142 /day
Subsidy applied82% subsidy
Model return to work ›
Insights

Where your pay sits

Benchmarked against published ABS earnings, with the release date shown.

Full-Time EarningsABS May 2026
Explore insights ›
Dashboard

Every calculation you have run, kept in one workspace

Open the dashboard ›
paylens.com.au/dashboard
Overview
My Pay
Pay Profile Saved Calculations History
Workspace
Jobs Budget Family Reports
Budget analytics Last 12 Months
Left Over, Monthly▲ 37% year on year
Essentials58%
Savings22%
Discretionary20%
Net income$9,711 /mo
Committed$5,632 /mo
Left over$1,943 /mo
Left Over
$1,943
per month after essentials and savings, trending up 37% over the year
Step 4 of 4 · Budget

Built on published rules, not rules of thumb

6
calculator systems reading one shared rule set
5
tax years available, each with its own law
12%
super guarantee applied on top of base salary
$0
to run a calculation, with no account required

Whatever you are weighing up

Four questions people bring to PayLens, each one a worked calculation.

On $160,000 the extra falls in the 37% bracket, and the 2% Medicare levy applies on top. PayLens shows the marginal rate before you negotiate rather than after the payslip lands.

Open the pay calculator ›
Marginal Value
$3,050
kept from a $5,000 raise on $160,000
Gross increase$5,000
Income tax at 37%−$1,850
Medicare levy at 2%−$100
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Common questions

Longer answers, with sources, sit in the Learn system.

Browse all guides ›
The 2026–27 resident rule set by default, where the second bracket sits at 15%, the super guarantee is 12% and the Medicare levy is 2%. Switching to an earlier year uses that year’s law rather than current rates with an older label.

What changed this year

All guides ›
© 2026 PayLens Pty LtdRule set · · ATO · Services Australia · ABS