Zerdly

Net Pay Calculator

Take-home pay from your own tax rate, or an Australian 2025–26 estimate from ATO rates — offset, Medicare levy, HELP and super. Free, in your browser.

100% FreeRuns in your browserBasic
How to use this calculator

Inputs

Manual effective-rate mode, or an Australian 2025–26 annual estimate from the ATO's published rates. Keep one result as A, change the pay, and compare.

Before tax and before any deductions, in your pay currency.

%

Your own average rate on taxable pay — not a country's brackets.

Taken out before tax — e.g. salary sacrifice. Reduces taxable pay.

Taken out after tax — e.g. union fees. Does not reduce taxable pay.

Enter the values and press Calculate.

Or load an example to see a worked result.

Gross-to-net bridge
Schematic
Gross-to-net bridgeHorizontal waterfall from gross pay, minus pre-tax deductions, to taxable pay, minus tax at the entered rate and post-tax deductions, to net pay.Gross payG− Pre-tax deductionsP= Taxable payG − P− Tax at your rater × (G − P)− Post-tax deductionsD= Net payN
Net = gross − pre-tax deductions − tax rate × (gross − pre-tax deductions) − post-tax deductions.

How the method works

Pre-tax and post-tax deductions are separate
Illustrative method
Pre-tax and post-tax deductions are separateHorizontal waterfall from gross pay, minus pre-tax deductions, to taxable pay, minus tax at the entered rate and post-tax deductions, to net pay.Gross pay5,000.00− Pre-tax deductions400.00= Taxable pay4,600.00− Tax at your rate1,150.00− Post-tax deductions200.00= Net pay3,250.00
Gross 5,000.00 − pre-tax deductions 400.00 = taxable 4,600.00; tax at 25% = 1,150.00; − post-tax deductions 200.00 = net 3,250.00.

The rate is your own effective-rate assumption — not any country's tax brackets or payroll withholding. Fixed example values for illustration — not your result.

Before you rely on this: Estimates only — not financial, tax or legal advice. Confirm current rates, fees and rules before relying on these figures.

How to use this calculator

  1. Enter the gross pay for one pay period and choose how often you are paid.
  2. Enter your effective tax rate, plus any pre-tax deductions (such as salary sacrifice) and post-tax deductions (such as union fees).
  3. Read the net pay for the period, the gross-to-net bridge, the same pay per week, fortnight, month and year, and the working step by step. To compare a pay rise or new deductions, press Keep as A to compare, change the figures and calculate again — A and B appear side by side with the difference.
  4. In Australia, choose “Australian annual estimate”, the financial year, your salary (or a package that includes super), and whether you have a HELP loan; add salary sacrifice and tax deductions under “More options”.

How it works

Taxable pay = gross − pre-tax deductions; tax = taxable × your rate; net = gross − pre-tax − tax − post-tax. Pre-tax deductions lower the tax; post-tax ones do not.

The rate is your own effective-rate assumption, not any country's tax brackets or PAYG withholding. Employer super paid on top of a salary is not taken out of it.

Australian annual estimate (2025–26): taxable income = salary − salary sacrifice − tax deductions, with cents dropped; income tax from the ATO resident brackets (16% to $45,000, 30% to $135,000, 37% to $190,000, 45% above), less the low income tax offset (up to $700, nil from $66,667); plus the Medicare levy (2%, reduced between $28,011 and $35,013 for singles); plus HELP compulsory repayments on repayment income (15% above $67,000, then 17% above $125,000, or 10% of the whole income from $179,286). Every figure is from the ATO's own pages and tested against the ATO's worked examples.

It is an annual estimate divided evenly into pay periods — not your employer's PAYG withholding, which uses separate tables. 2026–27 is not offered yet because the ATO has not published that year's Medicare levy low-income thresholds.

Worked example

$5,000 gross, 25%, $400 pre-tax, $200 post-tax. Taxable $4,600, tax $1,150, net $3,250. Without the pre-tax deduction it would be $5,000 − $1,250 − $200 = $3,550.

Common mistakes

  • Entering a marginal rate instead of an effective rate — it overstates the tax.
  • Treating a pre-tax deduction as post-tax (or the reverse).
  • Expecting the result to match a payslip exactly; payroll withholding follows its own tables.

Tips

  • Estimate only — not financial or tax advice.

Frequently asked questions

Does it know my country's tax?

For Australia, yes — for 2025–26 (resident, single, no SAPTO), from the ATO's published rates. Anywhere else, enter your own effective rate and check your payslip or local rules.

Why doesn't the Australian estimate match my payslip?

Employers withhold PAYG using the ATO's withholding tables for each pay, which round differently and ignore deductions you claim later. The annual estimate is closer to what your notice of assessment will show.

Privacy?

Runs entirely in your browser. Your inputs are not saved or transmitted.

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Cite this tool

Zerdly. (2026). Net Pay Calculator. Retrieved from https://www.zerdly.com/tools/net-pay-calculator/

Tip: Enter any known values to calculate the remaining results.

Designed to run locally in your browser. Tool inputs are not intentionally stored by Zerdly unless stated otherwise.