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Hourly ↔ salary calculator

Convert either way using your real hours and weeks — with casual loading and after-tax take-home built in, not just the multiplication.

Convert
$
hrs
wks
Casual rate
Super
Residency
HECS / HELP
Financial year
Annual salary
$88,920
$45.00/hr × 38 hrs × 52 weeks, before tax

Take-home $2,680 per fortnight

  • Gross annual salary$88,920
  • Income tax−$17,464
  • Medicare levy−$1,778
  • Take-home pay$69,678
  • Employer super (12%)$10,670

Across your pay cycles

WeeklyFortnightlyMonthlyYearly
Gross$1,710$3,420$7,410$88,920
Tax + Medicare−$370−$740−$1,604−$19,242
Take-home$1,340$2,680$5,806$69,678

Estimates use 2025–26 ATO rates and assume private hospital cover. Employer super is paid on top of the quoted amount. Casual loading of 25% is typical under many awards but varies — check your award or agreement. General information only — not tax advice.

Converting between hourly rates and salaries, properly

The quick conversion everyone uses — hourly rate × 38 hours × 52 weeks — answers the easy question. The full-time standard in Australia is a 38-hour week, so $45/hour becomes $88,920 a year. Going the other way, divide: a $90,000 salary is $45.55/hour. The calculator lets you change both the hours and the weeks, because the standard assumptions rarely match real working patterns — part-timers work fewer hours, and many casuals and contractors have unpaid gaps between engagements.

Casual loading is the detail most converters ignore. Casual employees typically receive a 25% loading on the base rate in place of paid annual leave, personal leave and notice. That means a casual rate and a permanent salary aren't directly comparable: a $50/hour casual rate corresponds to roughly a $40/hour permanent rate before entitlements. Toggle "casual rate" and the calculator shows the permanent-equivalent salary (or, converting from a salary, the casual rate that would match it).

Weeks matter as much as hours. A permanent employee is paid for 52 weeks including four weeks of annual leave. A casual paid $60/hour who realistically works 46 weeks earns $104,880 — not the $118,560 the naive 52-week maths suggests. If you're weighing casual against permanent work, set the weeks honestly and compare take-home, not headline rates.

Because this calculator runs on the same verified tax engine as the rest of PayExpert, every conversion also shows your estimated take-home pay after income tax, the Medicare levy and HECS for the selected financial year — plus the employer super that should be paid on top of ordinary-time earnings for most workers, casual or permanent.

Loadings and minimum rates vary by award and agreement, so treat the 25% figure as typical rather than universal. General information only — not tax advice.

Frequently asked questions

What salary is $45 an hour in Australia?

At the standard 38-hour full-time week worked 52 weeks, $45/hour is $88,920 a year before tax. For 2025–26 that's roughly $69,678 take-home ($2,680 per fortnight) for a resident with no HECS debt.

What is $90,000 a year as an hourly rate?

$90,000 across a 38-hour week and 52 weeks is about $45.55 per hour before tax. At 40 hours a week it's about $43.27.

What is casual loading?

Casual employees receive a loading — typically 25% under many modern awards — on top of the base hourly rate, compensating for paid leave, notice periods and other entitlements they don't receive. The exact loading depends on your award or enterprise agreement.

How do I compare a casual rate with a permanent salary?

Remove the loading first: a $50/hour casual rate is roughly $40/hour in permanent terms ($50 ÷ 1.25) — about $79,040 a year at 38 hours — plus permanent roles add paid annual and sick leave. The calculator's casual toggle shows the permanent-equivalent figure automatically.

Is super included in my hourly rate?

Usually not — employers pay super guarantee (12% from 1 July 2025) on top of ordinary-time earnings for most workers, including casuals. The calculator lists the employer super amount separately from your take-home pay.