How do I check if my payslip is correct?

Compare your gross pay, withheld tax, and super with what the ATO expects for your income, frequency, and whether you have a HECS/HELP debt. This tool automates the process for you!

Does super lower my taxable income?

No, employer super (the 12%) is paid on top of your salary – it isn't deducted from your take-home pay. Only salary-sacrificed super reduces taxable income.

What if my employer isn't paying the new super rate?

All employers must pay 12% super from 1 July 2025. If you see less, talk to your employer and check Fair Work guidelines.

What are the Stage 3 tax cuts?

The 2025-26 tax year brings new lower tax rates and wider brackets for most Australians. This changes your PAYG and net pay calculation.

Can I use this for weekly, fortnightly, or monthly pay?

Yes! Just select your pay frequency so the tool checks the right annualised rate.

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

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 Used:

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 Used:

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.

Related Tools

Income Tax Calculator (2025-26)

Estimate your tax payable for the new financial year

Superannuation Projection Tool

See how your super will grow with regular employer contributions

Net Pay Calculator Australia

Work out exactly what will hit your bank account each pay cycle

How to Use

1Enter your gross pay, tax withheld, and super from your current payslip
2Select how often you're paid (weekly, fortnightly, monthly)
3Indicate your super rate and whether you have a HECS/HELP debt
4Review 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

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