Australia · 2024/25
Australia Salary calculator
See your take-home pay in Australia for the 2024 to 2025 income year. Enter your gross salary and this works out the resident income tax and the Medicare levy, then shows what actually reaches your account. Compulsory superannuation is paid by your employer on top of your wage, so it is not deducted here.
| Gross salary | $35,000 |
| Income taxATO resident rates, 2024-25 | -$2,688 |
| Medicare levy2%, reduced for low incomes | -$700 |
| Take-home pay | $31,612 |
How it works
- Income tax applies to your salary in brackets: nothing on the first $18,200, then 16%, 30%, 37% and 45% on the higher slices.
- The Medicare levy is 2% of taxable income, reduced or removed at low income levels.
- Take-home pay is your salary minus income tax and the Medicare levy.
- The super guarantee is an employer contribution on top of your wage, so it does not reduce take-home pay.
Take-home = gross - income tax - Medicare levy
Income tax is charged on your salary in brackets from 16% to 45% above the $18,200 tax-free threshold. The Medicare levy adds 2% of taxable income, eased for low earners. Subtract both from your gross salary to reach your take-home pay.
- $18,200
- tax-free threshold for residents
- 16 / 30 / 37 / 45%
- resident income-tax brackets, 2024-25
- 2%
- Medicare levy on taxable income
Where a salary sits in Australia
| National minimum wage, full time | ≈ $47,600 | $24.10 an hour, 2024-25 |
| Median full-time earnings | ≈ $80,000 | ABS, gross annual |
| Second-top bracket (37%) starts | $135,000 | taxable income |
| Top bracket (45%) starts | $190,000 | taxable income |
Worked example
A $90,000 salary in 2024-25 leaves about $70,412 a year, roughly $5,868 a month, after $17,788 income tax and $1,800 Medicare levy. The effective rate is about 21.8%.
Key facts
- The first $18,200 you earn is free of income tax under the tax-free threshold.
- Compulsory super is paid by your employer on top of your wage, so it does not reduce take-home pay.
- The Medicare levy is a flat 2% once your income clears the low-income threshold.
- These are resident rates; working holiday makers and non-residents are taxed differently from the first dollar.
Tips
- Salary sacrificing into super is taxed at 15% inside the fund, which can beat your marginal rate once you are above the 30% bracket.
- Keep receipts for work-related expenses, since deductions lower the income that tax and the levy are charged on.
- Adequate private hospital cover can remove the Medicare levy surcharge if you are a higher earner.
Take-home pay at different salaries, 2024-25
| Gross salary | Income tax | Medicare levy | Take-home | A month |
|---|---|---|---|---|
| $40,000 | $3,488 | $800 | $35,712 | $2,976 |
| $60,000 | $8,788 | $1,200 | $50,012 | $4,168 |
| $90,000 | $17,788 | $1,800 | $70,412 | $5,868 |
| $120,000 | $26,788 | $2,400 | $90,812 | $7,568 |
| $180,000 | $47,938 | $3,600 | $128,462 | $10,705 |
Frequently asked questions
Is superannuation included?+
No. The super guarantee (11.5% in 2024-25) is paid by your employer into your fund on top of your salary, so it does not come out of your take-home pay.
Does it include the Low Income Tax Offset?+
No. The Low Income Tax Offset reduces tax for lower earners when you lodge your return, so your final position can be a little better than shown.
What about the Medicare levy surcharge?+
It is not included. The surcharge applies to higher earners without private hospital cover and is separate from the standard 2% levy.
Which year is this?+
The 2024-25 income year, 1 July 2024 to 30 June 2025, using the resident rates that took effect on 1 July 2024.
Things to watch
- A HELP or HECS study loan adds a compulsory repayment based on your income, which is not included here.
- The Low Income Tax Offset is applied when you lodge, so low earners may pay a little less than shown.
- Bonuses and allowances are taxed too and can lift you into a higher bracket for that pay period.
Sources
- Individual income tax rates · ATO
- Medicare levy · ATO
Last updated: 2024-07-01 · Applies to 2024/25
This is an estimate for general guidance, not financial, tax, legal or medical advice. Figures can change and individual circumstances vary. Always confirm with the official sources listed before making decisions.
- Resident rates, 2024-25. Single person with no dependants for the Medicare levy.
- Excludes the Low Income Tax Offset, the Medicare levy surcharge, HELP and HECS repayments, and salary packaging.
- Superannuation is an employer contribution on top of salary, not a deduction.
Reviewed by Vikas Dulgunde.