Nothing is estimated by proportion or averaged across the year. Your income is annualised, then each rule is applied in the sequence the ATO applies it.
52 weeks or 26 fortnights, so weekly and fortnightly figures match a payslip rather than a calendar year.
A package quoted including super is divided down first, so tax is never applied to the contribution.
Resident brackets, the 2% Medicare levy, then that year’s HELP method — marginal from 1 July 2026, income-based before it.
Employer super never appears inside take-home pay. Totals are rounded for display and calculated unrounded.
Of the $150,000 taxable, the top slice is taxed at 39%. Everything below it is taxed at the lower bracket rates, which is why the effective rate on the whole income is much lower than the marginal one.
On $150,000 plus super, an Australian resident with no HELP debt pays $39,570 in tax and Medicare levy across 2026–27, taking home about $9,198 per month. With a HELP debt, repayments of $0 reduce that to roughly $9,203 per month.
Figures follow the income and settings you entered above, generated from the same rule set. See 2026–27 Australian tax rates.
Every tool below starts from the figure you just calculated and reads the same rule set.
Two roles side by side after tax, commute, super and unpaid hours.
Split this take-home pay across essentials, savings and what is left.
Every pay period, bracket position and pay-rise comparison on one page.
Depends on your contract. "Plus super" means employer super is paid on top; "including super" means it comes out of the quoted package. Use the toggle to match your offer.
From 1 July 2026 repayments are marginal: 15% of repayment income between $67,000 and $125,000, and 17% above that. On the $150,000 entered above that is $12,950 for the year. Your payslip withholding may differ from the final annual amount.
Payslips use PAYG withholding schedules, which approximate your annual liability per pay cycle. Offsets, deductions and variable income reconcile at tax return time.
Yes. The 2% Medicare levy is applied to taxable income unless you switch the exemption on in the advanced settings. The Medicare levy surcharge is modelled too: set private hospital cover and dependants in the advanced settings and the surcharge tier is worked out from the family threshold.
No. PayLens produces estimates from published Australian rules so you can compare options. It does not account for your full circumstances and is not personal financial, tax or credit advice.
The 2026–27 resident rule set (AU-2026.27-v1), built from ATO and Federal Register sources. Each year keeps its own brackets, HELP method and super guarantee rate, so switching the tax year above changes the calculation rather than relabelling it. Historic rules.
