Checks correctness of Australian payslips, tax withheld, and net pay for FY 2026-27.
Updated October 2026Built and checked by MaverickHow it's calculatedReport an error
Net pay
$1,680
16.0% effective tax
Tax status
Over-withheld
+$53 delta
Super status
Underpaid
-$20 delta
Annualised gross
$52,000
if income stays steady
The 2026-27 PAYG tables use the current resident rates (15% starting at $18,201). Super is 12% from 1 July 2025.
Take-home + tax + employer super = total cost of employing you. Super isn't deducted from your pay; it sits on top.
Check your payslip against the 2026-27 tax rates, including the 1 July 2026 tax cut, and the super guarantee. Put in your pay and how often you're paid, and see whether the tax, net pay and super on your payslip are what they should be.
The national minimum wage is $26.44 an hour, or $1,004.90 for a 38-hour week, from 1 July 2026. Most jobs are covered by an award that pays more.
Half of the Australians who paid tax in 2023–24 had a taxable income under about $71,000, and the top 10% earned more than about $157,000, from the ATO's statistics.
Emma earns $2,400 per fortnight (before tax), with $384 PAYG withheld. Her payslip shows $288 super (12%). No HECS.
Emma's tax and super match the expected ATO figures for 2026-27. Her net pay is $2,016 per fortnight, super is extra and paid by employer.
James earns $4,000/month, $550 PAYG withheld, $480 super. Has a HECS/HELP debt.
At $48,000/year, James is below the $69,528 HECS repayment threshold (2026-27), so no compulsory HECS repayment is deducted yet: his debt just sits there accruing annual indexation until his income rises above the threshold. Expected tax at this income, after the low income tax offset and Medicare levy, is about $467/month, so his $550 withheld is about $83/month (about $1,000 a year) more than the estimate, which would come back at tax time. Payroll can check whether they've applied the HELP withholding by mistake. Super checks out at $480 (12% of $4,000).