MoneyMilestones
Pay rise take-home · 2026-27

How much of your pay rise do you actually keep?

A raise looks bigger before tax than after. See what really lands in your pocket once tax, Medicare and HECS take their share, how much extra super it adds, and the total value of the rise.

1

Your pay rise

%
%

The SG minimum is 12% for 2026-27. Bump the new rate if your raise comes with a higher employer contribution. Super is assumed to be paid on top of the salaries above.

I have a HELP/HECS debt
2

What you keep

Extra take-home pay (year)
$0
Gross pay rise
Extra income tax
Extra Medicare
Extra HELP repayment
You keep (take-home)
Extra super into your fund (year)
$0
Current super
New super
Extra super
Total value of the rise

Common questions

Will a pay rise push me into a higher bracket and leave me worse off?
No. Australia's tax is marginal — only the portion of income above each threshold is taxed at the higher rate. A pay rise always leaves you with more in your pocket, just not the full gross amount.
Why do I keep so little of my pay rise?
Because the rise sits on top of your existing income, it is taxed at your top marginal rate, plus Medicare and any HECS repayment. That effective rate is higher than your average tax rate on your whole salary.
Does HECS reduce my pay rise?
It can. Because HECS repayments rise with income, a pay rise can increase your compulsory repayment — and crossing a repayment threshold can take a noticeable extra slice.
How is the effective rate on my rise calculated?
We compare your take-home before and after the rise and express the difference kept as a percentage of the gross increase. The rest is your effective rate on the additional income.
Does a pay rise increase my super too?
Yes. If super is paid on top of your salary, a higher salary means a higher super contribution at your employer's rate. The SG minimum is 12% for 2026-27, but some employers pay more — and a raise sometimes comes with a higher contribution rate. Set the current and new super rate separately above to see the extra super alongside your take-home, plus the total value of the rise. Employer super is taxed at 15% in the fund rather than at your marginal rate, which is why it's shown separately from take-home.