Australian tax · FY2024-25
Take-home pay calculator
On a $90,000 salary in FY2024-25 you take home $70,412 a year — $5,867.67 a month — after $17,788 income tax and $1,800 Medicare levy, with $10,350 super at 11.5% paid on top. Change the salary, whether super is inside it, and how often you’re paid.
FY2024-25Other years
Calculator
How your pay divides
- You keep: $5,868 (78.2%)
- Income tax after LITO: $1,482 (19.8%)
- Medicare levy: $150 (2.0%)
Above the maximum contribution base, so the super figure has stopped growing with the salary. An employer need not pay super guarantee on earnings above it.
This is an estimate, not advice. It applies the published rate to what you enter; whether the method suits your circumstances, and whether your records support the figures, is a question for your tax agent.
Take-home pay at common salaries, FY2024-25
The same sum as the calculator, with super paid on top of the salary. Pick an amount to open it above.
| Salary | Income tax | Medicare levy | Take-home a year | A month | A fortnight |
|---|---|---|---|---|---|
| $50,000 | $5,538 | $1,000 | $43,462 | $3,621.83 | $1,671.62 |
| $60,000 | $8,688 | $1,200 | $50,112 | $4,176.00 | $1,927.38 |
| $70,000 | $11,788 | $1,400 | $56,812 | $4,734.33 | $2,185.08 |
| $80,000 | $14,788 | $1,600 | $63,612 | $5,301.00 | $2,446.62 |
| $90,000 | $17,788 | $1,800 | $70,412 | $5,867.67 | $2,708.15 |
| $100,000 | $20,788 | $2,000 | $77,212 | $6,434.33 | $2,969.69 |
| $120,000 | $26,788 | $2,400 | $90,812 | $7,567.67 | $3,492.77 |
| $150,000 | $36,838 | $3,000 | $110,162 | $9,180.17 | $4,237.00 |
| $200,000 | $56,138 | $4,000 | $139,862 | $11,655.17 | $5,379.31 |
“Plus super” and “package” are different money
$90,000 plus super is a taxed salary of $90,000 with $10,350 paid on top. A $90,000 package has the super inside it, so the taxed salary is lower and so is the take-home pay.
Both phrasings are normal in Australian job ads, and the difference is large. In FY2024-25 the package’s taxed salary is $9,283 lower — the whole year’s super inside it — and take-home pay is $6,312 a year lower, about $526 a month. It is the first thing to check on an offer, and it is why this page asks rather than assuming.
Super goes to the fund, and the fund taxes it
The super guarantee for FY2024-25 is 11.5%. The employer pays it to the fund and it is never deducted from the taxed salary. Whether it costs you take-home pay depends on the offer: on a “plus super” salary it is paid on top, but in a package it is carved out of the headline figure before the salary is taxed, which is exactly why a package takes home less. The 15% shown on the last row is paid by the FUND out of the contribution when it arrives, not by you out of your pay. That is why it sits below the line rather than in the tax rows.
An employer need not pay super guarantee on earnings above the maximum contribution base — $65,070 a quarter in FY2024-25, which this page applies as $260,280 across an evenly paid year. Applying it annually is exact for a salary paid evenly. A year with a large bonus in one quarter can be capped in that quarter while the annual total is under the line, and this page does not see that.
Division 293 is not included. A high enough income adds a second charge on concessional contributions, so the fund’s tax is more than the 15% above. If that might be you, it is a question for your accountant rather than a calculator.
What is not in this figure
- A compulsory HELP or HECS repayment — worked out on repayment income, not taxable income
- The Medicare levy surcharge, which applies without private hospital cover above an income tier
- Salary sacrifice, novated leases and any other packaging
- Deductions — this page taxes the salary, and a return taxes the salary less what you claim
The Medicare levy above is a single person’s with no dependants. The family thresholds can only ever reduce it, so the figure is the ceiling.
Why your payslip may not match
An employer withholds under the PAYG withholding schedules, which are a per-period approximation of the annual scale — not the scale itself. On an even salary they land very close. They diverge when the year is not even: a pay rise part-way through, unpaid leave, a bonus, or starting mid-year all make withholding higher or lower than the year actually needs.
The return settles it either way, which is what a refund or a bill at lodgement usually is. This page computes the ANNUAL position and divides, so it is the answer the return reaches rather than the one the payslip shows.
Preparing returns, not just your own?
BeforeMay builds the workpaper behind the return — from the client’s own income statements and receipts rather than a typed-in salary, and computing the same tax this page just did.
Start a case freeWhere does client data go?
A$99 free to start. No card.
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