Work out your take-home pay for one month's pay in 2026–27: the PAYG tax withheld, any HECS-HELP or other study loan, and the super your employer adds on top.
Monthly pay after tax
| Monthly pay | Tax withheld | Take-home | Take-home with study loan | A year before tax |
|---|---|---|---|---|
| $2,500 | $156 | $2,344 | $2,344 | $30,000 |
| $3,500 | $364 | $3,136 | $3,136 | $42,000 |
| $4,500 | $650 | $3,850 | $3,850 | $54,000 |
| $5,000 | $810 | $4,190 | $4,190 | $60,000 |
| $6,000 | $1,131 | $4,869 | $4,839 | $72,000 |
| $7,000 | $1,452 | $5,548 | $5,366 | $84,000 |
| $8,000 | $1,772 | $6,228 | $5,899 | $96,000 |
| $10,000 | $2,414 | $7,586 | $6,953 | $120,000 |
| $12,500 | $3,302 | $9,198 | $8,158 | $150,000 |
Tax-free threshold claimed, Australian resident, 2026–27. For any amount see the monthly tax table. Also: weekly pay calculator · fortnightly pay calculator, the pay calculator for a whole year.
How it works
- Tax withheld uses the ATO's Schedule 1 formulas for monthly pays; study loan repayments use Schedule 8.
- If you enter an hourly rate, monthly pay is the rate × hours.
- Super is the 12% Super Guarantee paid by your employer on top, not taken out of your pay.
Common questions
How much is $5,000 a month after tax?
$4,190 if you claim the tax-free threshold, after $810 PAYG tax withheld, in 2026–27. That's about $60,000 a year before tax. Your employer also pays $600 super on top.
How is tax on monthly pay worked out?
Employers use the ATO's withholding formulas for monthly pays, which include the Medicare levy. This calculator uses the same formulas for 2026–27.
Should I tick the tax-free threshold?
Claim it with one employer only, usually your main job. Untick it for a second job; see the second job tax calculator.
Is the tax withheld the tax I'll pay?
Not exactly. Withholding is an estimate; your actual tax is worked out on your tax return, which can mean a refund or a bill.
Is super taken out of my pay?
No. The Super Guarantee (12%) is paid by your employer on top of your pay.
Source: ATO Schedule 1 withholding formulas, ATO Schedule 8 study loan formulas, ATO super rates. General information only.