Pay Calculator : Take-Home Pay by Week, Fortnight and Month

Enter your annual gross income and this free pay calculator shows the tax, the Medicare levy and your net pay for 2026-27 beside 2025-26. At $90,000 gross, take-home pay is $70,680 a year, which is $5,890 a month or $1,359 a week. Below the tool, we explain what those numbers leave out, and what a lender counts from the same income when you apply for a home loan.

Want a more accurate result?

Calculator results are estimates only. Your pay slip also reflects HELP repayments, salary sacrificing and other deductions that this tool has no input for. A personalised review can confirm what a lender would count from your income.
No obligation. Takes about 2 minutes to book.

What this pay calculator models

This tool is the Australian Income Tax Calculator from VisionAbacus. It takes one number, your annual gross income, and one switch, the Medicare levy. It works out the tax for two financial years side by side and turns the result into net pay per month and per week. Its figures follow the resident tax rates. Because it has only two inputs it cannot reflect HELP repayments, salary sacrificing or other deductions, and its Assumption button lists what it applies automatically.

Annual gross income

Your pay before anything is taken out, as a yearly figure. The default is $90,000. If your contract quotes a package that includes super, enter the cash salary instead, because employer super goes into a fund, not into your bank account.

The Medicare levy switch

On by default. Residents generally pay a Medicare levy of 2 per cent of taxable income unless they qualify for a reduction or exemption, according to the ATO. Switch it off only if you hold an exemption, such as a medical exemption. The switch is all or nothing, so a partial low-income reduction has to be worked out separately.

Two financial years, side by side

At $90,000 the tax falls from $19,588 in 2025-26 to $19,320 in 2026-27, so net pay rises by $268 a year, $22 a month and $5 a week. The charts show the same split as a share of gross: 21.47 per cent goes in tax in 2026-27, against 21.76 per cent in 2025-26.

Net pay by period

The tool shows net income per year, per month and per week. A week is one fifty-second of the year and a month one twelfth. Fortnightly pay, one twenty-sixth, is not shown, so the table further down adds it.
For the tax itself, including rental income, negative gearing and the full set of rates, use our income tax calculator. To work backwards from a take-home figure to a gross salary, use the income gross-up calculator. This page is about what the pay looks like and what a lender does with it.

From gross pay to take-home pay

Take-home pay is gross income, less income tax, less the Medicare levy. Anything else on a pay slip, such as HELP repayments, salary sacrificing or union fees, comes off after that. Gross is what you are offered. Net is what arrives.

Then there is the timing. Pay arrives weekly, fortnightly or monthly, so the yearly net figure is divided by 52, 26 or 12.

That matters for budgeting. A fortnight is not half a month. Divide a yearly figure by 26 and you get a smaller amount than half of the monthly one, which is why someone paid fortnightly usually has two months a year with three pays.
Net pay for the period

= ( gross income − income tax − Medicare levy ) ÷ pay periods in the year

Use 52 for weekly, 26 for fortnightly and 12 for monthly. Rates and thresholds are from the Australian Taxation Office, tax rates for Australian residents.
Two things to notice. First, tax is progressive: each dollar is taxed at the rate for the band it falls in, so the average is always lower than the top rate. Second, the Medicare levy is a flat 2 per cent on top, which is why the average at $90,000 is 21.47 per cent even though only half of that income sits in the 30 per cent band.

What common salaries take home in 2026-27

Most pay calculators stop at a yearly figure, but wages arrive weekly, fortnightly or monthly. These are net pay figures for 2026-27 at five gross salaries, worked out from the same resident rates and 2 per cent Medicare levy that the calculator above uses. The $90,000 card matches the calculator’s own result exactly. Enter your own number above for anything in between.

$70,000 a year

Weekly  $1,098
Fortnightly  $2,195
Monthly  $4,757
Annual  $57,080
Tax and levy  $12,920 (18.5 per cent of gross)

$90,000 a year

Weekly  $1,359
Fortnightly  $2,718
Monthly  $5,890
Annual  $70,680
Tax and levy  $19,320 (21.5 per cent of gross)

$110,000 a year

Weekly  $1,621
Fortnightly  $3,242
Monthly  $7,023
Annual  $84,280
Tax and levy  $25,720 (23.4 per cent of gross)

$130,000 a year

Weekly  $1,882
Fortnightly  $3,765
Monthly  $8,157
Annual  $97,880
Tax and levy  $32,120 (24.7 per cent of gross)

$150,000 a year

Weekly  $2,124
Fortnightly  $4,247
Monthly  $9,202
Annual  $110,430
Tax and levy  $39,570 (26.4 per cent of gross)
Read across the cards and one thing stands out. Between $90,000 and $110,000, an extra $20,000 of gross pay adds $13,600 to take-home pay, which is 68 cents in the dollar. Between $130,000 and $150,000 it adds $12,550, about 63 cents. Take-home pay rises more slowly than gross pay, which is why a pay rise looks smaller on the pay slip than in the contract.

Worked example: the same $90,000 in two financial years

The figures below are the calculator’s own default scenario. They are illustrative and are not tax advice.

2025-26
Tax and levy $19,588. Net pay $70,412 a year, $5,868 a month, $1,354 a week.

2026-27
Tax and levy $19,320. Net pay $70,680 a year, $5,890 a month, $1,359 a week.

Net pay is $268 a year higher, which is $22 a month and $5 a week.

The reason is one band. The rate on income from $18,201 to $45,000 falls from 16 cents to 15 cents in the dollar on 1 July 2026. One cent on $26,800 is $268.
That $268 is the same for everyone earning $45,000 or more, because they all pay on the whole of that band. Anyone earning less gets proportionally less. The ATO says the rate falls again to 14 per cent from 1 July 2027, which would add another $268 a year.

What the calculator does not show you

A take-home figure answers one question, what lands in your account. A lender asks a different one, can your income carry the loan. These four gaps explain the difference.

Lenders start from gross, then do their own sums

A lender typically takes your gross income, works out the tax itself, then deducts your living expenses and existing debts. APRA’s limit on high debt-to-income lending is also measured against gross income: from 1 February 2026, banks can write only a fifth of new mortgages at debt of six times income or more.

The test uses a higher rate than your loan

APRA requires banks to test new borrowers at a rate at least 3 percentage points above the loan rate, and confirmed in May 2026 that the buffer stays. On a $500,000 loan over 30 years, an assumed 6.0 per cent repayment is about $2,998 a month. At the tested 9.0 per cent it is about $4,023, roughly $1,025 more. Take-home pay alone overstates what you can borrow.

Not every dollar of income counts the same

Salary is the easiest income to prove. Overtime, bonuses, commission and casual income are often counted in part, and sometimes only after a work history, and each lender sets its own rules. Comparison sites report discounts from about 20 to 50 per cent and a history of six to twelve months for casual work. Treat those as rules of thumb, not a policy.

Other commitments are weighed before you apply

Credit card limits, HELP repayments and other loans are weighed against your income. Employers withhold an extra amount from pay for an expected HELP repayment, and a lender treats the repayment as an ongoing cost. Lenders generally look at a card’s limit, not its balance, which our debt consolidation example works through with figures.

Real example: what a lender counted from the same household

A Loanity client example. Details are generalised and the story is shared with the client’s consent.

A couple buying their first home, with one dependent child. Another broker’s assessment left them short of the borrowing amount they needed.

Where the gap came from
Not the pay slip alone. The assessment also weighed their family living costs and existing commitments on several accounts.

What Loanity did
Kourosh and Kia rebuilt the application around verified, documented expenses and a review of every account and limit, then matched the couple to a lender whose policy suited a small deposit and a dependent child.

Result
$70,000 more borrowing capacity than the first assessment.

Important information: this is one client’s experience. Results depend on each person’s circumstances and a lender’s credit assessment, and are not typical. General information only, not financial or credit advice.
That is the lender view in practice. Take-home pay shows what lands in your account, and a lender also asks how your costs and debts are documented and how its own policy treats them. To see an estimate of what you could borrow, try our borrowing power calculator.

Before you rely on a pay figure

Pay calculators answer what you take home. A mortgage broker answers what a lender will count, and whether a different lender would count more. They are separate questions, and the gap between them is where borrowing power is decided.
Which calculator for which question
How much tax do I pay? Income tax calculator.
What gross salary gives this take-home pay? Income gross-up calculator.
What is left after my spending? Budget planner.
How much could I borrow? Borrowing power calculator.
What would the repayments be? Loan repayment calculator.
Applying for a home loan? Buy a home.
Sources
Australian Taxation Office: Tax rates, Australian residents; New tax cuts for every Australian taxpayer; Medicare levy reduction or exemption; How much super to pay; Compulsory HELP repayments; Tax tables.
Australian Prudential Regulation Authority: Macroprudential policy settings; Debt-to-income limits.
Australian Securities and Investments Commission: Updated responsible lending guidance.
Fair Work Ombudsman: Pay and Conditions Tool.
Mozo: Home loan serviceability explained, the source for the reported income discounts.
Checked 14 October 2026.

Important information about this page
This page is general information only and does not take your objectives, financial situation or needs into account. It is not tax advice, credit assistance or a quote. Results are estimates based on the stated assumptions and your inputs. Tax rules and lender policy change, and what a lender counts from your income is decided by the lender. Figures for the salary table and the repayment comparison are our own arithmetic from the rates shown, and the repayment rates are assumptions, not offers. Confirm your own position with the ATO, your payroll team or a licensed professional.
STILL GOT QUESTIONS?

Pay calculator questions, answered

How much is $90,000 a year after tax per fortnight?

About $2,718 a fortnight in 2026-27, after income tax and the 2 per cent Medicare levy. That is $70,680 a year divided by 26. The same salary pays $5,890 a month and $1,359 a week. The calculator shows the monthly and weekly figures, and the fortnightly figure is our own division of the net amount.

Divide the net annual figure by 52 for weekly, 26 for fortnightly or 12 for monthly. Divide the gross figure by the same numbers to get gross pay per period. A fortnight is 14 days, so 26 fortnights cover 364 days and an occasional year has a 27th pay. Monthly pay is a straight twelfth, so it is not double a fortnightly amount.

Gross pay is what your employer agrees to pay before anything is taken out. Net pay, or take-home pay, is what reaches your account after income tax, the Medicare levy and any other deductions such as HELP repayments or salary sacrificing. Lenders and tax tables work from gross, and your budget works from net, so you need both.

No. Employer super is paid into your fund, not your bank account, so it is not part of take-home pay. The ATO sets employer super at 12 per cent of ordinary time earnings from 1 July 2025, and ordinary time earnings generally exclude overtime. If your contract quotes a package that includes super, your cash salary is lower than the headline figure, so enter the cash amount.

Residents generally pay a Medicare levy of 2 per cent of taxable income unless they qualify for a reduction or exemption, according to the ATO. The calculator has it on by default. Turn it off only if you hold an exemption, for example a medical exemption. People on low incomes may pay a reduced amount, which an on or off switch cannot show.

Because the rate on income from $18,201 to $45,000 falls from 16 cents to 15 cents in the dollar on 1 July 2026. That band is $26,800 wide, so the saving is 1 per cent of it, $268 a year, for anyone earning $45,000 or more. The ATO says the rate falls again to 14 per cent from 1 July 2027.

Your employer withholds tax using the ATO’s withholding schedules, and withholding can include HELP repayments, salary sacrificing and other deductions that this calculator has no input for. Withheld amounts are also rounded, and your actual tax is settled when you lodge your return. A gap of a few dollars is normal. A large gap is worth checking against your pay slip.

Both, in different steps. A lender typically starts from your gross income, works out the tax itself, then subtracts your living expenses and debts to see what is left to service a loan. APRA’s debt-to-income limit is measured against gross income. Take-home pay is a useful budgeting figure, but it is not the number a lender uses for borrowing power.

Often only in part, and it depends on the lender. Salary is the easiest income to prove. Overtime, commission, bonuses and casual income are usually assessed with more caution, sometimes with a discount and sometimes only after a work history. Comparison sites report discounts of roughly 20 to 50 per cent and a history of six to twelve months for casual income. These are rules of thumb, not lender policy.

No. The Fair Work Ombudsman’s Pay and Conditions Tool works out minimum pay rates, penalties and allowances under an award. This calculator starts from a salary you already know and shows the tax and the take-home amount. To check an hourly or penalty rate under an award, use the Fair Work tool. To see your pay after tax, use this one.