Super and tax calculators for Australian high earners
See exactly what tax, payday super and Division 293 mean for your package in 2026-27. Every rate is dated and linked to its ATO source, and every calculator shows its working.
- 2026-27 tax year
- Rates verified against the ATO on
- Sources · How we calculate · How we check
Calculators
Take-home payWhat your salary really nets after income tax, Medicare, HECS-HELP, the surcharge and Division 293, with the super side too.Salary sacrificeTax saved, take-home and super from sacrificing into super, and how much cap room your SG leaves.Bonus taxWhat you keep from a bonus after income tax, Medicare and Division 293, and whether it adds super.Super guarantee capWhen your employer's super stops under payday super, and the cap room left.Division 293 taxThe extra 15% on concessional (before-tax) super contributions once income plus contributions pass $250,000.Medicare levy surchargeYour surcharge tier and cost without private hospital cover, for singles and families.HECS-HELP repaymentYour 2026-27 compulsory study loan repayment under the new marginal system, and what it adds to each extra dollar.Pay riseWhat a raise or new job offer adds to take-home after tax, HECS-HELP and the surcharge, and which thresholds it crosses.Redundancy payHow much of a genuine redundancy payment is tax-free in 2026-27, the tax withheld from the rest, and from unused leave.Carry-forward superUnused concessional cap from the last five years you can add to the 2026-27 cap, and what expires next. Take-home pay by salaryA table of 2026-27 take-home pay from $80,000 to $500,000, by year, month, fortnight and week. Super and tax rates 2026-27Every rate and threshold the calculators use, with its ATO source and the date it was checked.
Guides
What changed in 2026-27The main 2026-27 tax and super changes for high earners, compared with 2025-26, including Division 296.Payday superWhat changed for employees from 1 July 2026, the annual base, bonuses, new jobs and how to check your super arrived.
Key figures for 2026-27
Maximum contribution base$270,830on each employer's pay, payday super
Concessional cap$32,500per year
Division 293 threshold$250,000income plus contributions
Super guarantee rate12%of qualifying earnings
The most SG one employer must pay you in 2026-27 is $32,499.60. See all rates and sources, or take-home pay by salary.