TakeHomePay

Ever been offered a salary and wondered if it's actually enough to live on?
TakeHomePay works backwards — enter the take-home pay you want and we'll
tell you the gross salary you need to ask for.

REVERSE SALARY CALCULATOR
Stop guessing. Type your desired weekly, fortnightly, monthly or annual
take-home and TakeHomePay instantly calculates the exact gross salary you
need — accounting for every deduction your employer and the ATO will take.

FORWARD CALCULATOR INCLUDED
Already have an offer? Flip it around. Enter any gross salary and see your
real take-home across all four pay periods at once.

BUILT-IN BUDGET PLANNER
Add your rent, groceries, transport, utilities and other expenses.
TakeHomePay totals them up and passes the number straight to the calculator
— so you know exactly what salary you need to sustain your lifestyle.

MATCHES THE ATO CALCULATOR EXACTLY
TakeHomePay uses the official ATO PAYG withholding coefficient tables
(Schedule 1, 2025–26) — the same method your employer uses. No surprises
come payday.

PERSONALISE YOUR CALCULATION
- HECS / HELP debt repayments
- Medicare Levy & Surcharge
- Private hospital cover
- Australian resident or non-resident
- Tax-free threshold (main job or second job)
- Superannuation (SGC 12%)
- Low Income Tax Offset (LITO)

ALWAYS UP TO DATE
Rates are current for the 2025–26 financial year, reflecting the Stage 3
tax cuts. Updated each financial year.

Perfect for job seekers negotiating an offer, employees asking for a raise,
contractors setting their rate, or anyone who just wants to know where their
money actually goes.