Salary comparison calculator
Enter two gross annual salaries and see take-home pay, income tax, Medicare levy and super side-by-side. The dollar and percent difference is calculated against the same financial year, residency, and HECS settings.
Calculations run in your browser. Nothing is sent.
Salary A ·
Income tax (after LITO)
Medicare levy
Medicare Levy Surcharge
HECS/HELP repayment
Effective tax rate
Per month
Per fortnight
Per week
Employer super (on top)
Salary B ·
Income tax (after LITO)
Medicare levy
Medicare Levy Surcharge
HECS/HELP repayment
Effective tax rate
Per month
Per fortnight
Per week
Employer super (on top)
Comparison uses the locked ATO brackets, Medicare and HELP rules for the selected year. References: ATO individual rates, ATO Medicare levy, ATO HELP repayment (QC16176). For salary sacrifice, bonuses, residency edge cases or RFB, use the full income tax calculator.
Frequently asked
- How do I compare two job offers in Australia after tax?
- Enter both gross annual salaries above. The calculator runs each through the same ATO PAYG brackets, Medicare levy, LITO, MLS and HECS rules for the selected financial year, and shows the dollar and percent difference in net take-home pay. Super is shown separately because it does not change net pay unless one offer is quoted including super.
- Does a higher salary always mean more take-home pay in Australia?
- Yes. Australia uses marginal tax brackets, the next dollar is taxed at a higher rate, not your whole income. A $5,000 raise from $80,000 to $85,000 adds about $3,500 to your take-home after PAYG and Medicare. You only lose money on a raise if the new offer is quoted including super and your old one was on top, or if you cross the Medicare Levy Surcharge cliff without hospital cover.
- What financial year applies to a contract starting now?
- The Australian financial year runs 1 July to 30 June. A contract starting partway through the year splits across two FYs, pick the year your full salary lands in for the most representative comparison.
- Does this include salary sacrifice, bonuses or salary packaging?
- No, this tool deliberately holds packaging settings equal so the difference shows the salary change alone. For salary sacrifice, RFB, bonuses or residency edge cases, use the full income tax calculator which has all of those toggles.
- Does the Medicare Levy Surcharge apply to my offer comparison?
- Only if you don't have private hospital cover and your income exceeds the threshold (single $101k / family $202k for 2025-26). Untick "Has private hospital cover" to model the impact, at $110k the surcharge adds $1,100/year on top of the standard 2% levy.
Related calculators
- 01 Income tax & take-home payFull PAYG calc with salary sacrifice, RFB, bonuses, HECS, residency modes
- 02 HECS / HELP repaymentCompulsory repayment plus optional debt-payoff timeline
- 05 Superannuation projectionYear-by-year compounding with concessional cap and Div 293
- 08 Novated leaseEV FBT exemption and Employee Contribution Method