Short answer
On a $90,000 salary in 2026–27 you take home $70,680 a year: $5,890 a month or $2,718.46 a fortnight. That is after $17,520 income tax ($4,020 plus 30c for each dollar over $45,000) and the $1,800 Medicare levy. Your employer also pays $10,800 super guarantee on top.
How Australian take-home pay is worked out
Your employer withholds PAYG tax from each pay so that, over the year, it matches the tax on your taxable income. The calculator works out that annual tax for an Australian resident who claims the tax-free threshold, takes off the low income tax offset, and adds the Medicare levy and any compulsory study-loan repayment. Super guarantee is paid by your employer on top of your salary and does not reduce your pay.
Australian resident tax rates 2026–27
- $0 to $18,200: nil.
- $18,201 to $45,000: 15c for each $1 over $18,200 (down from 16c in 2025–26).
- $45,001 to $135,000: $4,020 plus 30c for each $1 over $45,000.
- $135,001 to $190,000: $31,020 plus 37c for each $1 over $135,000.
- $190,001 and over: $51,370 plus 45c for each $1 over $190,000.
- Plus the Medicare levy of 2%, and a low income tax offset of up to $700 below $66,667.
Take-home pay examples for 2026–27
- $60,000 salary: $8,420 tax, $1,200 Medicare levy, $50,380 take-home ($4,198.33 a month, $1,937.69 a fortnight).
- $90,000 salary: $17,520 tax, $1,800 Medicare levy, $70,680 take-home ($5,890 a month). With a HELP debt: $3,070.80 repayment, $67,609.20 take-home.
- $120,000 salary: $26,520 tax, $2,400 Medicare levy, $91,080 take-home ($7,590 a month).
- $150,000 salary: $36,570 tax, $3,000 Medicare levy, $110,430 take-home ($9,202.50 a month).
HELP repayments from 2025–26
Since 2025–26 compulsory study-loan repayments are marginal: in 2026–27 you repay 15c for each dollar of repayment income over $69,528, then $9,028 plus 17c over $129,717, and 10% of all repayment income above $186,050. Repayment income also counts reportable fringe benefits, net investment losses and extra super; the calculator uses your salary.
What the calculator leaves out
The Medicare levy surcharge for higher earners without private hospital cover, family Medicare thresholds, non-residents and working holiday makers, salary sacrifice and extra super, deductions you claim in your tax return and the rounding in the ATO withholding tables. The Medicare levy low-income thresholds are the latest published ($28,011 and $35,013); the 2026–27 figures are usually set later in the year.
Sources, checked on 8 November 2026: ATO: Tax rates – Australian resident · ATO: Low income tax offset · ATO: Medicare levy reduction for low-income earners · ATO: Study and training loan repayment thresholds · ATO: Super guarantee
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