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Pay rise calculator

A raise sounds bigger than it lands. Enter your current salary and the raise — as a dollar amount, a percentage or your new salary — and see exactly what reaches your account each pay.

$
Raise as
$
Residency
HECS / HELP
Super
Financial year
You keep an extra
$262
per fortnight, from a $10,000 raise

You keep 68.0% of this raise — the rest goes to tax and Medicare.

  • Gross pay rise$10,000
  • Extra income tax−$3,000
  • Extra Medicare levy−$200
  • Extra take-home pay$6,800
  • Extra employer super$1,200

Before and after, across your pay cycles

WeeklyFortnightlyMonthlyYearly
Take-home now$1,354$2,708$5,868$70,412
Take-home on $100,000$1,485$2,970$6,434$77,212
Difference$131$262$567$6,800

Estimates use 2025–26 ATO rates. Assumes private hospital cover, no salary sacrifice, and that both salaries are taxed as your only income for the full year. General information only — not tax advice.

Where your pay rise actually goes

Every extra dollar you earn is taxed at your marginal rate — the rate of your top tax bracket — not your average rate. That's why a raise never feels as big as the number your manager quoted. For 2025–26, a resident earning between $45,000 and $135,000 keeps 68c of each extra dollar after 30% income tax and the 2% Medicare levy; between $135,000 and $190,000 that falls to 61c, and above $190,000 to 53c.

HECS/HELP debt changes the picture materially. Under the marginal repayment system introduced in 2025–26, each dollar earned between $67,000 and $125,000 carries an extra 15c repayment, and dollars above $125,000 carry 17c. A $10,000 raise from $90,000 with a HECS debt returns $5,300 in the hand — a 47% effective deduction rate, all shown line-by-line in the calculator above.

The good news: a raise can never make you worse off. Bracket creep myths persist, but Australian brackets are marginal — only the extra dollars are taxed at the higher rate. Since HECS also became marginal in 2025–26, the old repayment cliffs are gone too. The one watch-out left is the Medicare levy surcharge: crossing $101,000 without private hospital cover adds a 1% surcharge on your whole income, which the income tax calculator can model.

Don't forget the invisible part of a raise: super. Employer contributions are 12% of your salary from 1 July 2025, so a $10,000 raise is really $11,200 of total remuneration — $1,200 of it landing in your fund. If you're negotiating, that's worth counting.

Figures are estimates using the selected year's ATO rates and assume the salaries are your only income for a full year. General information only — not tax advice.

Frequently asked questions

How much of a $10,000 pay rise do I actually keep?

It depends on your marginal tax bracket. In 2025–26, going from $90,000 to $100,000 you keep $6,800 of a $10,000 raise ($261 extra per fortnight) — 30% goes to income tax and 2% to the Medicare levy. With a HECS debt you'd repay a further 15%, keeping $5,300.

Why does my pay rise get taxed more than my salary?

A raise is taxed entirely at your marginal (top) rate, while your overall salary is taxed across all the brackets below it. Someone on $90,000 pays about 22% average tax overall, but each extra dollar above $45,000 is taxed at 30% plus the 2% Medicare levy.

Can a pay rise push me into a higher tax bracket and leave me worse off?

No. Australia uses marginal tax brackets, so only the dollars above each threshold are taxed at the higher rate — a raise always increases your take-home pay. From 2025–26 HECS repayments are also marginal, which removed the old cliff effect where a small raise could trigger a large repayment jump.

Does a pay rise increase my super?

Yes — employer super is a percentage of your salary (12% super guarantee from 1 July 2025), so a $10,000 raise adds $1,200 a year to your super on top of the take-home increase, unless your package quotes super as included.

How do HECS repayments change when I get a raise?

From 2025–26, you repay 15c of each extra dollar earned between $67,000 and $125,000, and 17c above that. The calculator shows the exact extra repayment your raise triggers alongside tax and Medicare.