Payroll Calculator Australia
Estimate a full Australian employee pay run for payroll officers and employees: gross wages, PAYG withholding estimate, Medicare levy, HELP/HECS repayments, the 12% Superannuation Guarantee on top, and final net pay per pay period.
Paid by your employer on top of your salary — not deducted from your pay. Total package: $106,400.00.
| Pay period | Gross income | Take-home pay | Employer super |
|---|---|---|---|
| Annual | $95,000.00 | $74,080.00 | $11,400.00 |
| Monthly | $7,916.67 | $6,173.33 | $950.00 |
| Fortnightly | $3,653.85 | $2,849.23 | $438.46 |
| Weekly | $1,826.92 | $1,424.62 | $219.23 |
Pay Run Components — Employee vs Employer
| Component (per year) | Amount | Paid to |
|---|---|---|
| Gross wages | $95,000.00 | Employee (before withholding) |
| PAYG income tax withheld | −$19,020.00 | ATO (income tax estimate) |
| Medicare levy withheld | −$1,900.00 | ATO (2% levy estimate) |
| Net pay to employee | $74,080.00 | Employee bank account |
| Employer super (12% SG) | +$11,400.00 | Employee's super fund (on top) |
| Total employer payroll cost | $106,400.00 | Wages + super (excl. payroll tax & insurance) |
How Your Pay Is Calculated
- 1.Annualise Gross Pay: Convert your pay cycle amount to annual gross salary using your weekly hours and paid weeks.
- 2.Deduct Pre-Tax Items: Subtract salary sacrifice to super and eligible work deductions to find taxable income.
- 3.Apply ATO Tax Brackets: Calculate marginal income tax for FY 2026–27 and apply LITO if eligible.
- 4.Medicare & HELP: Subtract the 2% Medicare levy and marginal HELP/HECS repayment to arrive at net take-home pay.
- 5.Employer Super (12%): Calculated separately on Ordinary Time Earnings and paid to your super fund.
Payroll withholding is an ATO-mandated estimate per pay run — not the final annual tax bill. The employee’s true liability is determined on the annual tax return; super is an employer cost paid on top of wages, never withheld from net pay.
Components of an Australian Pay Run
Each pay run the employer calculates gross ordinary time earnings, withholds PAYG income tax (plus Medicare and HELP components) under ATO Schedule 1, pays the net wage to the employee, and separately remits the withheld tax to the ATO plus at least 12% SG super into the employee’s fund.
Employer Cost vs Employee Net Pay
Total employer payroll cost equals gross wages plus super and on-costs like payroll tax and workers’ compensation premiums (state-based, employer-side). The table below separates what the employee receives from what the employer contributes on top.
Frequently Asked Questions
Does the 12% super come out of the employee’s wage?+−
No. Under Super Exclusive contracts the 12% SG is paid by the employer on top of gross wages. Only Package Inclusive contracts carve the 12% out of the quoted package (Base = Package ÷ 1.12).
Is this PAYG withholding or final tax?+−
This calculator estimates withholding per pay run using the same ATO rules as the annual engine, but your final tax is assessed on the return — differences from deductions or multiple jobs reconcile there.
Related Calculators
PAYG Withholding Calculator Australia
Estimate ATO PAYG withholding per weekly, fortnightly or monthly pay run in Australia, including the tax-free threshold, Medicare levy and HELP repayments.
Paycheck Calculator Australia
See your Australian paycheck by weekly, fortnightly or monthly pay run. Estimate PAYG withholding, Medicare and take-home pay per period from your salary.
Superannuation Calculator Australia
Estimate employer super contributions from your salary and applicable super rate. Compare salary-inclusive packages, employer contributions and optional salary sacrifice.
Australian Salary & Tax Guides
View all salary guidesUnderstanding PAYG Withholding in Australia
How employers estimate and remit your income tax from every paycheck under the ATO PAYG system — and why withholding is not your final tax.
Gross Pay vs Take-Home Pay in Australia
A clear breakdown of every deduction that sits between your headline gross salary and your net bank deposit in Australia for 2026–27.