About Australian Tax & Superannuation Studio
Comprehensive Australian PAYG income tax and take-home pay calculator reflecting the revised Stage 3 tax cuts (2024–2026), 2% Medicare levy with low-income thresholds, HECS/HELP student debt repayment slabs, and compulsory employer Superannuation Guarantee contributions.
Key Capabilities & Features
- Updated Stage 3 tax brackets effective from 1 July 2024 (16%, 30%, 37%, 45%)
- Medicare levy (2%) calculation with single low-income phase-in exemptions
- HECS / HELP higher education loan progressive repayment slabs
- Compulsory employer Superannuation Guarantee (11.5% and 12.0%)
- Weekly, Fortnightly, Monthly, and Annual take-home pay breakdowns
How to Use Australian Tax & Superannuation Studio
Enter Gross Salary
Input your annual gross earnings in Australian Dollars (AUD).
Select Residency & HECS
Choose Australian Resident, Working Holiday, or Foreign, and toggle HECS debt.
View Net Pay Breakdown
Inspect your fortnightly take-home pay, total ATO tax liability, and Super fund deposits.
Privacy & In-Browser Execution Guarantee
Zero accounts or data collection. All income calculations run locally in your browser memory.
Frequently Asked Questions
What are the revised Stage 3 tax cuts?
Effective 1 July 2024, the tax rate for incomes between $18,201 and $45,000 dropped to 16%, the 30% rate applies from $45,001 to $135,000, the 37% rate covers $135,001 to $190,000, and the top 45% rate starts at $190,001.
What is the compulsory Superannuation Guarantee rate?
The Superannuation Guarantee (SG) is 11.5% for the 2024-2025 financial year, increasing to 12.0% on 1 July 2025. Employers pay this into your super fund on top of your base salary.