Finance calculator
Pay Rise Calculator Australia
Compare the gross increase with an estimated take-home change after Australian resident tax, the selected Medicare levy setting and optional HELP repayments.
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Compare the whole job offer, not only the pay rise
Model salary, super, bonuses, benefits, commute costs, estimated take-home pay and five-year value across up to four offers.
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How this Australian pay rise calculator works
Choose whether the pay figure is a base salary with super added or a total package that already includes super. The calculator converts an inclusive package to its estimated base salary before calculating tax. It then compares the current and new base salaries.
The take-home estimate applies Australian resident tax rates for the selected financial year, the low income tax offset where relevant, the optional 2% Medicare levy and optional compulsory study-loan repayments. HELP-style repayments use the marginal system that applies from 2025–26 rather than applying one percentage to the entire income.
Formula
New pay from a percentage: current pay × (1 + rise percentage ÷ 100).
Gross increase: new base salary − current base salary.
Estimated take-home increase: change in base salary − change in income tax − change in Medicare levy − change in HELP-style repayment.
Extra employer super: new employer super − current employer super.
Worked Australian pay rise examples
A 5% rise on A$70,000 plus super
A 5% increase moves the base salary to A$73,500, a gross increase of A$3,500. At 12% super, employer super increases by A$420 a year. The take-home increase is lower than A$3,500 because part of the rise is absorbed by income tax and the Medicare levy.
A new A$100,000 package including super
At a 12% super rate, an A$100,000 total package contains an estimated A$89,286 base salary and A$10,714 employer super. Do not compare that headline directly with an A$95,000 base salary plus super—the second offer has the larger total package.
A rise that crosses the HELP threshold
For 2026–27, compulsory repayments begin when repayment income exceeds A$69,528. Under the marginal system, the repayment is calculated on income above the threshold until the higher bands apply. The calculator shows the change in estimated repayment rather than treating the threshold as a cliff that applies a rate to every dollar earned.
Common pay rise mistakes
- Comparing a total package with a base salary plus super.
- Assuming a 5% gross rise means 5% more money in the bank.
- Ignoring HELP or other study-loan repayments.
- Using monthly pay by simply dividing weekly pay by four; a year contains about 4.33 weeks per month.
- Counting a discretionary bonus as guaranteed salary.
- Ignoring award increases, overtime, penalties or allowances that sit outside base salary.
Limitations
This is an annual estimate, not a payroll engine. It does not model tax deductions, salary sacrifice, reportable fringe benefits, Medicare levy reductions or surcharge, private health insurance, tax residency changes, multiple jobs, bonuses withheld at different rates or employer-specific payroll rounding.
HELP repayment income can include amounts beyond taxable salary, including reportable fringe benefits, total net investment losses and reportable super contributions. Entering salary alone can therefore understate a compulsory repayment.
Turn the pay rise into a household decision
Compare the estimated weekly and monthly take-home increase with any new commuting, parking, childcare, professional registration or work-from-home costs. A larger salary can still produce a weak cash-flow improvement when the role adds recurring expenses.
When to check payroll or official sources
Use the result as an annual estimate, not a payslip forecast. Ask payroll or an accountant when the decision involves salary sacrifice, reportable fringe benefits, multiple jobs, deductions, bonuses, allowances, Medicare levy surcharge, residency changes or a HELP repayment income that differs from salary.
For minimum pay, award rates, overtime, penalties and leave entitlements, use Fair Work or the applicable enterprise agreement. This calculator does not determine legal pay obligations.
Official rates used
- ATO resident income tax rates.
- ATO study and training loan thresholds and rates.
- ATO super guarantee rates.
Rates reviewed 28 July 2026.
Pay Rise Calculator FAQs
Does this calculate tax?
It estimates Australian resident income tax, the selected Medicare levy setting and optional HELP-style compulsory repayments for the chosen financial year. It is an annual planning estimate, not payroll advice or an exact payslip calculation.
Can I use it for hourly pay?
Yes, but use annualised pay if you want weekly and monthly differences to make sense. Use the hourly rate calculator for hourly conversions.
Is this a Fair Work pay calculator?
No. For minimum rates, awards and entitlements, use official Fair Work tools or professional advice.
Which calculator should I use next?
After using the Pay Rise Calculator, use the related calculator links on this page to check the next most relevant number instead of relying on one isolated result.
Summary
The Pay Rise Calculator gives a fast estimate for salary increase and pay rise percentage. The strongest way to use it is to calculate the result, read the supporting metrics, then pair it with the related guides or calculators where the decision needs more context.
General information only. Tax, Medicare, HELP and super are estimates; this tool does not determine awards, entitlements or legal pay obligations.