TakeHomePay

Know exactly what to ask for before your next salary negotiation. TakeHomePay reverse-calculates your required gross from any take-home target. ATO 2025–26 rates.

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.