Compare Two Salaries After Tax
Weighing up a pay rise, a new offer or a different tax year? See the real difference in your pocket after income tax, Medicare levy and HECS-HELP.
Scenario A
Scenario B
The difference
$6,800 per year
Scenario B takes home $567 more per month ($131 per week) after tax.
Side-by-Side Breakdown
Annual figures, including the low income tax offset where eligible
| Component | Scenario A | Scenario B | Difference (B − A) |
|---|---|---|---|
| Gross income | $90,000.00 | $100,000.00 | +$10,000.00 |
| Income tax | $17,520.00 | $20,520.00 | +$3,000.00 |
| Medicare levy | $1,800.00 | $2,000.00 | +$200.00 |
| Total tax | $19,320.00 | $22,520.00 | +$3,200.00 |
| Take-home pay | $70,680.00 | $77,480.00 | +$6,800.00 |
| Effective tax rate | 21.5% | 22.5% | 1.1 pts |
Take-Home Pay by Period
| Period | Scenario A | Scenario B |
|---|---|---|
| Annually | $70,680.00 | $77,480.00 |
| Monthly | $5,890.00 | $6,456.67 |
| Fortnightly | $2,718.46 | $2,980.00 |
| Weekly | $1,359.23 | $1,490.00 |
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Book this placementWhy compare salaries after tax?
A $10,000 pay rise never means $10,000 more in your pocket. Because Australia uses a progressive tax system, part of every increase goes to income tax, the Medicare levy and — if you have a HECS-HELP debt — higher study loan repayments. Comparing both salaries after tax shows the real, spendable difference.
This tool uses the same ATO rates as our salary calculator, including the 2026-27 tax brackets, Medicare levy thresholds, marginal HECS-HELP repayments and the low income tax offset. For a full breakdown of a single salary, try the salaries after tax pages.
Frequently Asked Questions
How much of a pay rise do I actually keep?
It depends on your marginal tax rate. In 2026-27, on income between $45,001 and $135,000 you keep roughly 68c of every extra dollar after 30% income tax and the 2% Medicare levy — less if a higher HECS-HELP repayment rate kicks in.
Can I compare the same salary across two tax years?
Yes — set the same salary in both scenarios and pick different tax years to see how bracket changes (like the 2026-27 cut of the 16% rate to 15%) affect your take-home pay.
Does the comparison include HECS-HELP repayments?
Yes. Tick "HECS-HELP debt" on either scenario and the marginal repayment (15% above $69,528, 17% above $129,717 in 2026-27, capped at 10% of income) is deducted from take-home pay.