Income Calculator
Combine all your income sources for a single total tax estimate.
Last updated: January 2025 · Built for the 2024–25 financial year
Inputs
Results
Combined taxable income
$75,000
Estimated tax
$14,788
Net income
$60,212
Effective tax rate
19.72%
Results are estimates only. For financial advice, consult a licensed adviser.
Overview
Gross to net income across pay frequencies
Australian PAYG withholding uses ATO weekly schedules to estimate annual tax. Your real take-home depends on superannuation arrangements (salary sacrifice vs employer SG), HECS-HELP, private health rebate and any pre-tax deductions.
This calculator decomposes a gross salary into income tax, Medicare levy, super and net pay across weekly, fortnightly, monthly and annual frequencies.
Formula
Net pay flow
Net = Gross − Income tax − Medicare levy − HECS − pre-tax deductions (super of 11.5% is paid on top, not from gross)
Pro tips
- •11.5% super (FY25) on $100k = $11,500/yr — confirm it's paid quarterly.
- •Salary sacrifice up to the $30k concessional cap to drop your bracket.
- •PHI rebate is income-tested — Tier 0 gets the most.