Know your real take-home pay.
A fast, accurate Australian pay calculator built on the legislated 2026-27 tax rates — income tax, Medicare levy, HELP/HECS and super, broken down line by line.
Log shifts by hours, or by start / finish with an unpaid break. We total your gross and estimate take-home for the year.
Every dollar accounted for
PayClock uses the legislated FY2026-27 figures. The maths runs entirely in your browser — your salary never leaves your device.
Income tax (FY2026-27)
Resident brackets with the new 15% second-bracket rate (down from 16% on 1 July 2026), tax-free threshold $18,200, and the Low Income Tax Offset up to $700.
Medicare & HELP
2% Medicare levy and the new marginal HELP/HECS repayment system (you repay only on income above the threshold), optional per your situation.
Super at 12%
Super Guarantee is 12% for all of FY2026-27. Toggle whether your figure includes super or whether it's paid on top.
Clock your hours, see your pay
Casual, part-time or shift work? Switch the calculator to Pay clock mode (tab at the top), log each shift, and we'll total your gross and run it through the same tax engine for an estimated take-home.
When does pay actually land?
A quick, general guide. Your exact timing depends on your employer, your award or agreement, and your bank.
Payday on a public holiday or weekend
Banks don't process most direct-entry (direct deposit) payments on weekends or national public holidays. If your regular payday falls on one, many employers pay on the last business day before — but there's no universal legal rule on the exact day, so check your workplace's policy.
Bank processing time
Standard bank transfers can take until the next business day to clear; newer faster-payment rails can be near-instant, but this varies by bank and isn't guaranteed. Allow for non-business days around holidays.
Your right to be paid
Under the Fair Work Act, employees must be paid at least monthly. The frequency and method are set by your award, enterprise agreement or contract. See the Fair Work Ombudsman — Paying wages for the rules that apply to you.
Source: Fair Work Ombudsman — Paying wages. General information only; we don't list specific dates because public holidays differ by state and territory.
Get payday & EOFY reminders
A short, occasional email: pay-cycle nudges around public holidays, plus an end-of-financial-year checklist so you're ready before 30 June. No spam, unsubscribe anytime.
We'll email you before the next big payday quirk and ahead of EOFY.
Pay calculator FAQ
What is the take-home pay on $80,000 in Australia for 2026-27?
On an $80,000 annual salary (resident, no HELP debt, super paid on top), the FY2026-27 income tax is $14,520, plus the 2% Medicare levy of $1,600. There is no Low Income Tax Offset at this income (it cuts out at $66,667). That leaves a net take-home of about $63,880 a year, roughly $2,457 per fortnight. Your employer also pays 12% super ($9,600) on top.
What's the superannuation guarantee rate in 2026-27?
The Super Guarantee is 12% for the whole 2026-27 financial year (it reached its legislated 12% cap on 1 July 2025 and stays there). If your pay figure includes super, PayClock backs it out; if super is paid on top, it's shown separately and isn't deducted from your take-home.
What happens to pay if payday is a public holiday?
Banks generally don't process direct-deposit payments on national public holidays or weekends. If your payday lands on one, many employers pay on the last business day beforehand — but there's no single legal rule for the exact day, so check your employer's policy. Under the Fair Work Act, employees must be paid at least monthly. See the Fair Work Ombudsman for the rules in your award or agreement.
How is income tax calculated for FY2026-27?
For residents: the first $18,200 is tax-free; income from $18,201–$45,000 is taxed at 15% (the new rate from 1 July 2026, down from 16%); $45,001–$135,000 at 30%; $135,001–$190,000 at 37%; and above $190,000 at 45%. A 2% Medicare levy applies on top for most taxpayers, and the Low Income Tax Offset can reduce tax for incomes up to $66,667. These rates exclude any HELP/HECS repayment.
Does PayClock send my salary anywhere?
No. The calculator runs entirely in your browser using hard-coded ATO figures — your income is never transmitted or stored. The only thing we receive is your email address, and only if you choose to sign up for payday and EOFY reminders.