Pay Rate Calculator Australia (2024-2025)
Calculate your take-home pay, tax obligations, and superannuation.
Estimated Pay Breakdown
Understanding Pay Rates in Australia
Calculating your take-home pay in Australia involves more than just dividing your salary by 52. The Australian taxation system, superannuation contributions, and employment types all play a critical role in determining what actually lands in your bank account.
2024-2025 Income Tax Brackets (Stage 3 Cuts)
From July 1, 2024, the Australian government implemented the Stage 3 tax cuts, which adjusted the thresholds and rates:
- $0 – $18,200: 0% (Tax-free threshold)
- $18,201 – $45,000: 16% of excess over $18,200
- $45,001 – $135,000: $4,288 + 30% of excess over $45,000
- $135,001 – $190,000: $31,288 + 37% of excess over $135,000
- $190,001 and over: $51,638 + 45% of excess over $190,000
Superannuation Guarantee (SG)
As of July 1, 2024, the Superannuation Guarantee rate is 11.5%. Employers are required by law to pay this on top of your ordinary time earnings, unless your contract specifically states your salary is "inclusive of super." If it is inclusive, your base pay is effectively lower because a portion is diverted to your super fund.
Casual vs. Permanent Employment
In Australia, casual employees generally do not receive paid sick leave or annual leave. To compensate for this, they receive a 25% casual loading on top of the base hourly rate. When using this calculator, if you select 'Casual', the logic assumes your provided rate already includes this loading or applies it to the base calculation to reflect industry standards.
Medicare Levy
Most Australian residents pay a 2% Medicare Levy to help fund the public health system. This is calculated based on your taxable income. Some low-income earners or specific visa holders may be exempt or pay a reduced rate.
Example Calculation
If you earn a base salary of $90,000 per year plus super:
- Gross Income: $90,000
- Super (11.5%): $10,350
- Tax (2024/25): Approx. $17,788
- Medicare Levy (2%): $1,800
- Take Home Pay: ~$70,412 annually (~$1,354 weekly)