Hi, I'm Cal
I'm based in Sydney, and I built Simple Salary Calculator to help everyday Australians understand their pay, tax and super — without wading through ATO jargon to do it.
Try the Salary CalculatorWhy I built Simple Salary Calculator
Working out your real take-home pay in Australia is needlessly confusing. Between income tax brackets, the Medicare levy and surcharge, HECS-HELP repayments, the superannuation guarantee, salary sacrifice and residency rules, it's genuinely hard to know what actually lands in your bank account. I started this site because I wanted one simple place where you enter your salary and immediately see the breakdown — tax, Medicare, super, HECS and net pay — with the rules behind it explained in plain English.
What you'll find here
- Free calculators — take-home salary, tax-return estimate, HECS-HELP repayments, superannuation & retirement, compound interest, and mortgage repayments.
- Plain-English guides — how the tax brackets work, capital gains tax, salary sacrifice, the 2025 HECS changes, the $1,000 instant deduction, the average salary in Australia, and more.
- Calculators in Chinese — I speak Mandarin, and many of my visitors are Chinese-speaking Australians, so the salary calculator is fully translated into 简体中文 and 繁體中文.
How I keep it accurate
Every calculator uses the official Australian Taxation Office (ATO) rates and thresholds for the relevant financial year, and I update them each year — and whenever the government changes the rules mid-year, as happened with the 2025 HECS reforms. In the articles, where I quote a figure I link to the primary source (the ATO, the Fair Work Commission, the ABS, or the relevant legislation) and date it, so you can see how current it is and check it yourself.
Important: general information, not advice
I'm not a licensed financial adviser or a registered tax agent, and nothing on this site is personal financial or tax advice. The calculators produce estimates based on the standard rules and the information you enter — your own circumstances may differ. For decisions about your money, or a tax return you're unsure about, please speak to a registered tax agent or licensed adviser, or check directly with the ATO.
Get in touch
Spotted an error, or have a suggestion for a calculator or guide? I genuinely want to hear it — email simplesalarycalculator@gmail.com or head to the contact page. You can also read our privacy policy.