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Guides to every money decision behind your pay

Plain-English explanations of the rules behind the whole product line: take-home pay and tax, job offers and contract rates, budgets and savings goals, super, HELP and salary packaging, childcare and family payments, and where your income sits nationally. Written against the current ATO, Fair Work, Services Australia and ABS releases, and published from the same rule set the calculators use.

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Updated for 2026–27
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Tax, super and deductions

The rules that move your take-home the most, each one checked against its source release.

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Understanding your pay

Salary vs hourly, pay frequencies, casual loading, overtime, bonuses and what actually lands in your account, with a calculator beside every concept.

Salary vs hourly
Annualising and comparing rates
Pay frequencies
Weekly, fortnightly, monthly maths
Take-home pay
What comes out before it lands
Casual loading
The 25 per cent and what it replaces
Overtime
Multipliers and tax on extra hours
Bonuses
Withholding against your final tax
Payslips
Reading every line item
Total compensation
Beyond the base number
Current rules, 2026–27

The three numbers behind every calculation

Published from ruleset AU-2026.27-v1, the same data the calculators use, so a guide and a result can never disagree.

Full 2026–27 guide ›
Super guarantee —
HELP threshold —
Medicare levy —
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Run the numbers on your own pay

Every guide is published from the rule set behind the calculators, so what you read and what you calculate always agree.

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