Combine two incomes and see the real withholding gap

The tax-free threshold can only be claimed once. Combine jobs to see the withholding shortfall that shows up at assessment, and the amount to set aside.

Combine incomes › Full calculator ›

Estimates only, based on published Australian rules for the selected tax year. Not tax, legal or financial advice, and not a substitute for your payslip or an assessment from the ATO.

Multiple Jobs

AU-2026.27-v1

Main job income

Second job income

Threshold claimed at both

Tick if both employers apply it

Likely refund at assessment

—

Take-home, yearly

—

Take-home, monthly

—

Main job

$95,000

Second job

$38,000

Tax due

—

Withheld

—

Combined income$133,000

Tax and Medicare due—

Withheld across both jobs—

Set aside per month—

The no-tax-free-threshold schedule on the second job covers more than the combined liability here, so a small refund is likely at assessment.

Home / Calculate / Multiple Jobs

This section answers one question: what actually lands in your account. Enter a salary, an hourly rate or a payslip figure and PayLens applies the 2026–27 resident rules, the Medicare levy, HELP and employer super, then shows every assumption it used so you can check the working line by line.

Tools in this section

Pay CalculatorGross to net with residency, HELP, super and packaging controls.
Take-Home PayOne salary field, one answer, for a quick sanity check.
Net to GrossWork back from the take-home you need to the salary that delivers it.
Payslip CheckerCompare a real payslip against the rules for your pay period.

How Multiple Jobs works

The tax-free threshold can only be claimed once. Combine jobs to see the withholding shortfall that shows up at assessment, and the amount to set aside.

What you enter

✓Income from each job

✓Threshold claimed where

✓HELP settings

What you get

✓Combined tax position

✓Withholding shortfall

✓Amount to set aside

Applied Rule Set AU-2026.27-v1

Tax year2026–27

ResidencyAustralian resident

Medicare levyApplied, 2%

HELP treatmentNo debt held

Employer super12% on top of base

Rules verified21 Aug 2026

Sources: ATO individual income tax rates, Medicare levy and study and training loan thresholds; Federal Register of Legislation. Not modelled: offsets, deductions, Division 293, the Medicare levy surcharge or part-year employment.

Need every setting?

Residency, salary sacrifice, exemptions and other tax years live in the full calculator.

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Related guides

Australian income tax, explainedThe brackets, your effective rate and where your salary sits.
Why your payslip tax rarely matches your final taxHow PAYG withholding is estimated each pay run.
The Medicare levy, the surcharge, and the exemptionsWho pays, when it is reduced and how the surcharge differs.