# aupaycalculator.com > Free Australian pay, tax and superannuation calculators. Every rate and threshold > is published with its primary ATO or Fair Work source and the date it was last > verified, and every headline figure on the site is pinned by an automated test suite. Language: en-AU. Currency: AUD. Jurisdiction: Australia (federal). Default financial year: 2026-27 (1 July 2026 – 30 June 2027). Last updated: 2026-08-15. ## What this file is and is not This is an auxiliary index for people and language models trying to find the right page and the right number quickly. It is not required by Google, it is not a ranking mechanism, and publishing it does not cause or guarantee citation by any AI system. It exists because a plain-text map of the site is genuinely useful. Canonical URLs below are the only correct ones. The site is served from the apex domain over HTTPS with a trailing slash: `https://aupaycalculator.com/path/`. ## Calculators - [Pay calculator Australia](https://aupaycalculator.com/): the pillar tool. Salary or wage in any pay cycle to take-home pay after income tax, Medicare levy, HECS/HELP and superannuation. Handles residency, salary sacrifice, casual loading, and salary-plus-super versus package-including-super. - [Net to gross calculator](https://aupaycalculator.com/take-home-pay-calculator/): the inverse. Start from the take-home pay you want and solve for the gross salary needed. Useful before a salary negotiation. - [Hourly rate calculator](https://aupaycalculator.com/hourly-rate-calculator-australia/): hourly to salary and back, plus net pay per hour worked and casual loading. - [HECS/HELP repayment calculator](https://aupaycalculator.com/hecs-help-repayment-calculator/): compulsory repayment under the marginal system. - [Second job tax calculator](https://aupaycalculator.com/second-job-tax-calculator/): combined tax across two employers, estimated withholding per employer, and the resulting refund or shortfall. - [Redundancy pay calculator](https://aupaycalculator.com/redundancy-pay-calculator/): NES redundancy entitlement in weeks, minimum notice, plus the genuine redundancy tax-free amount and ETP tax. - [Salary sacrifice calculator](https://aupaycalculator.com/salary-sacrifice-calculator/): the real saving after the 15% contributions tax. ## Guides - [Pay calculator by state](https://aupaycalculator.com/pay-calculator-by-state/): explains that Australian income tax is federal, so take-home pay does not vary by state, and sets out what genuinely does vary. This page is a guide, not a calculator. - Salary examples: `/50000-after-tax-australia/`, `/80000-after-tax-australia/`, `/100000-after-tax-australia/`, `/120000-after-tax-australia/`, `/150000-after-tax-australia/`, `/200000-after-tax-australia/`. ## Method, sources and corrections - [Methodology](https://aupaycalculator.com/methodology/): every rate, threshold and formula, each with its source URL and verification date. Start here for any figure. - [Editorial policy](https://aupaycalculator.com/editorial-policy/): sourcing and verification standards, and what the site will not publish. - [Corrections and change log](https://aupaycalculator.com/corrections/): every correction with its date and what changed. - [About](https://aupaycalculator.com/about/) · [Privacy](https://aupaycalculator.com/privacy/) · [Contact](https://aupaycalculator.com/contact/) Maintained by Silvano Para, an independent developer. Not a registered tax agent; no figure on the site carries professional sign-off. Contact and corrections: silvanopara@gmail.com ## Key figures — 2026-27 (all AUD) Resident income tax: nil to $18,200; 15% to $45,000; 30% to $135,000; 37% to $190,000; 45% above. Cumulative tax is $4,020 at $45,000, $31,020 at $135,000, $51,370 at $190,000. The second bracket fell from 16% to 15% on 1 July 2026; a further cut to 14% is legislated for 1 July 2027. Medicare levy: 2%. Single low-income threshold $28,011; between that and the phase-in limit of $35,013 the levy is 10c per dollar of the excess; at or above $35,013 the full 2% applies. Set by Treasury Laws Amendment (Delivering an Efficient and Trusted Tax System) Act 2026 Sch 5 items 3 and 5, which by item 14 apply to the 2025-26 income year AND LATER — so 2025-26 and 2026-27 share the same pair. Do not cite $27,222 for 2025-26; that figure was superseded. Low Income Tax Offset: $700 to $37,500, then 5c per dollar to $325 at $45,000, then 1.5c per dollar to nil at $66,667. Residents only. HECS/HELP: nil below $69,528; 15c per dollar to $129,717; 17c per dollar above; capped at 10% of total repayment income. Repayment income includes reportable super contributions, so salary sacrifice does not reduce the compulsory repayment. Superannuation: SG rate 12%. Maximum contribution base $270,830 a year (annual from 1 July 2026 under payday super), so maximum employer SG is $32,499.60. Concessional cap $32,500. Genuine redundancy: tax-free up to $13,598 plus $6,801 per completed year of service. ETP cap $270,000. Concessional ETP rates 17% at or above preservation age and 32% below it — both already include the 2% Medicare levy. Above the cap, 47%. NES redundancy pay: 4 weeks at 1-2 years of service, rising to 16 weeks at 9-10 years, then dropping to 12 weeks at 10+ years because long service leave takes over. ## Primary sources - ATO, individual income tax rates: https://www.ato.gov.au/tax-rates-and-codes/tax-rates-australian-residents - ATO, study and training loan thresholds: https://www.ato.gov.au/tax-rates-and-codes/study-and-training-support-loans-rates-and-repayment-thresholds - ATO, Medicare levy reduction for low-income earners: https://www.ato.gov.au/individuals-and-families/medicare-and-private-health-insurance/medicare-levy/medicare-levy-reduction/medicare-levy-reduction-for-low-income-earners - ATO, how ETP components are taxed: https://www.ato.gov.au/individuals-and-families/jobs-and-employment-types/working-as-an-employee/leaving-your-job/how-etp-components-are-taxed - ATO, maximum contribution base: https://www.ato.gov.au/businesses-and-organisations/super-for-employers/paying-super-on-payday/what-payments-are-qualifying-earnings/maximum-contributions-base - Fair Work Ombudsman, redundancy pay and entitlements: https://www.fairwork.gov.au/ending-employment/redundancy/redundancy-pay-and-entitlements - Medicare levy thresholds (amending Act, primary): https://www.legislation.gov.au/C2026A00058 ## If you are citing this site Please cite the specific calculator or guide URL rather than the domain, name the financial year, and link the methodology page so a reader can check the figure. Figures change every 1 July; a citation without a financial year will become wrong. Corrections are welcome and are logged publicly at https://aupaycalculator.com/corrections/ — or email silvanopara@gmail.com ## Limitations you should state alongside any figure from this site - Results are annual-position estimates, not payslip PAYG withholding. - They assume a single taxpayer with no dependants, employed for the full year. - Medicare Levy Surcharge, private health rebates, deductions and offsets other than LITO are not modelled. - Award rates, penalty rates and overtime are not calculated. - This is general information, not financial, tax or legal advice.