PMpaycalc MATEAustralian pay calculators
Australian pay decision calculator

Calculate your take-home pay — then compare the decisions around it

Work out what actually lands in your bank account after tax, HELP, Medicare and super, then move into the best page for the decision behind the number: pay rises, salary bands, HECS, packaging, novated leasing and salary benchmarks.

2025–26 tax settingsATO and ABS sourcesUpdated 16 March 2026
ATO and ABS-backedBuilt for Australian salary, HELP, Medicare and packaging questions.
Calculator firstEstimate pay quickly, then move into the exact guide you need.

Estimate your pay

Use the calculator below to estimate annual, monthly, fortnightly and weekly outcomes, then change HELP, private cover and pre-tax deductions to see what shifts the result.

This calculator is for planning and comparison. It includes reportable fringe benefits and net investment losses in HELP and MLS income, but payroll withholding, offsets, Division 293 tax and employer-specific payroll rules can still change your final outcome.
Estimated annual take-home pay
$0
Effective deduction rate 0%
Monthly$0
Fortnightly$0
Weekly$0
Hourly$0
Taxable income$0
Income tax after LITO$0
Medicare levy$0
Medicare levy surcharge$0
HELP repayment$0
HELP repayment income$0
MLS income$0
Pre-tax deductions$0
Employer super$0
Daily take-home$0
Annual net $0

What makes paycalc MATE useful

Most salary calculators stop at a net-pay estimate. paycalc MATE is designed to help with the decisions around that number.

Raise vs real net gain

Compare the headline increase with what stays after tax, Medicare and HELP.

HELP, MLS and super in one model

See the interactions that make many Australian pay decisions feel confusing.

Scenario pages, not just a form

Move from the calculator into focused pages for study debt, pay cycles, part-time shifts and salary packaging.

Start with the question you actually have

Why this site goes beyond a generic salary calculator

A lot of Australian salary tools are fine for a quick estimate, but they are weak at the follow-up questions people actually care about. The pay result changes when you have HELP debt, move around the MLS threshold, salary sacrifice into super, package a vehicle or switch to fewer days of work. That is where a stronger site needs to do more than one tax calculation.

paycalc MATE is being shaped around that gap. The core calculator gives you a fast net-pay view, then the surrounding pages help you compare real decisions: a raise, a four-day week, salary sacrifice, study debt, private cover and packaging. That gives the site a clearer job to do than simply repeating an ATO table in a nicer skin.

What to use first

Why this site goes further than a basic pay calculator

Common salary calculators are good at the first answer, but weaker at the second. They often show net pay well enough, then leave readers to figure out HELP, MLS, super packaging, benchmark context or salary-by-age comparisons on their own.

Transparent assumptions

Every major calculator page links to methodology and source pages so the reader can see the rule behind the estimate.

Intent-specific pages

Instead of forcing every search onto one generic form, the site separates broad pay, take-home pay, HELP repayment and scenario-led pages.

Benchmark context

Readers can move from a pay estimate into average salary, salary by age, and top 10%, 5% and 1% benchmark pages.

Decision support

The strongest pages explain what changes the result, not just what the result is.

New benchmark pages worth surfacing

Browse every calculator and guide

Browse the main pages by topic and jump straight to the right calculator or guide.