The Finance Algorithm
§ Tool · tier 1 · independent

Aussie Payslip Checker (2025-26 FY).

Checks correctness of Australian payslips, tax withheld, and net pay for FY 2025-26.

CalculatorFree, no signupOn-deviceLiveupd March 2026
Inputs
Your numbers
$
$2k

Total pre-tax amount earned this period

How often are you paid?

$
$320

Tax withheld shown on payslip this period

$
$220

Employer super for this period — not deducted from your pay

%
12%

Super guarantee rate (2025-26: 12%)

Are you currently repaying a student loan?

Math updates live as you change inputs · AI runs on submit

Awaiting inputs

Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.

The Aussie Payslip Checker (2025-26 FY) helps you confirm your payslip matches official ATO tax and super rules after the new Stage 3 tax cuts. Enter the amounts from your payslip to see if your tax, net pay, and super line up with what should be paid for your income and frequency. Use it to sense-check for errors and learn how your pay is calculated.

§ Worked examples

Real-world scenarios

Salaried Full-Time, Fortnightly Pay

Emma earns $2,400 per fortnight (before tax), with $384 PAYG withheld. Her payslip shows $288 super (12%). No HECS.

Inputs

grossIncome:2,400payFrequency:FortnightlytaxWithheld:384superAmount:288superRate:12hecsHelpDebt:0

Emma's tax and super match the expected ATO figures for 2025-26. Her net pay is $2,016 per fortnight, super is extra and paid by employer.

Graduates With HELP, Monthly Pay

James earns $4,000/month, $550 PAYG withheld, $480 super. Has a HECS/HELP debt.

Inputs

grossIncome:4,000payFrequency:MonthlytaxWithheld:550superAmount:480superRate:12hecsHelpDebt:1

James's payslip shows an expected reduction due to HECS/HELP. Net pay and super are in line for 2025-26 rates.

§ FAQ

Questions Australians ask

§ Glossary

Plain-English definitions

Gross Income
Total pay before tax or deductions are taken out.
PAYG Withholding
Tax taken out of your pay by your employer, sent to the ATO on your behalf.
Superannuation Guarantee
The legal minimum % of your salary your employer must pay into your super fund. 12% for 2025-26.
Net Pay
The amount you actually receive in your bank account (after tax).
Stage 3 Tax Cuts
Changes applying from 1 July 2025 – lower tax rates for most Australians.