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Aussie Payslip Checker (2025-26 FY)

Calculator

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

Free to useNo data storedReal-time dataAI insightsUpdated: March 2026

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.

Enter Your Details

Enter Your Details

$

Total pre-tax amount earned this period (before-tax)

How often are you paid?

$

Tax withheld shown on payslip this period

$

Employer super for this period — not deducted from your pay

%

What is the superannuation guarantee rate (2025-26: 12%)?

Are you currently repaying a student loan?

Real-World Examples

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.

Frequently Asked Questions

Glossary

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.

Disclaimer: This calculator provides estimates only and should not be relied upon for financial decisions. Interest rates, fees, and policies change frequently. Always verify information with lenders directly. This is general information, not personal financial advice. Consider seeking advice from a licensed mortgage broker or financial advisor.

Last updated: March 2026

How to Use
  1. Enter your gross pay, tax withheld, and super from your current payslip
  2. Select how often you're paid (weekly, fortnightly, monthly)
  3. Indicate your super rate and whether you have a HECS/HELP debt
  4. Review your net pay and check if your tax and super are in the expected range for FY 2025-26
Key Information
  • Complies with 2025-26 ATO tax brackets including Stage 3 tax cuts
  • 12% superannuation guarantee supported (2025-26 rate)
  • Includes Medicare levy and optional HECS/HELP deductions
  • Validates PAYG tax looks reasonable for your income/frequency
  • No details stored; runs entirely in your browser
Pro Tips
  • If your super rate is above 12%, check with your employer for possible salary packaging
  • Keep your payslip and check against your end-of-year Payment Summary
  • Your net pay = Gross pay - Tax withheld; super is extra, NEVER deducted from take home pay
  • If you have unusual deductions (e.g. novated leasing), check breakdowns separately
Avoid These Mistakes
  • Comparing after-tax pay to gross salary — always check frequency and amount match
  • Overlooking HECS/HELP deductions when checking overall net pay
  • Thinking your super comes out of your take-home pay (it doesn't)
  • Confusing pre-tax and post-tax salary packaging effects
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