Income Gross-Up Calculator

Work backwards from a desired take-home (net) income to the gross salary required, using current published ATO individual tax rates.

Required gross salary $0 per year
Required gross annual salary
$0
to reach $0 net (take-home) per year
Income tax: $0
Medicare levy: $0
Effective rate: 0%
Income tax
$0
Medicare levy (2%)
$0
Effective tax rate
0%
Based on published ATO resident individual tax rates (0% to $18,200; 16% to $45,000; 30% to $135,000; 37% to $190,000; 45% above), plus the 2% Medicare levy. Rates can change with each Federal Budget — confirm current rates before relying on this figure. Low income tax offset and other offsets are not included, so results for lower incomes may be conservative.
Know Your Required Gross Income?
Work backwards from your take-home income goals with accurate tax and HELP calculations. Our brokers can help structure your income to improve serviceability and increase your loan approval chances.
✅ Tax-accurate 🎓 HELP included 🏦 Serviceability focus
Estimate only. This tool provides a general estimate only and is not tax advice. It assumes Australian tax residency, a standard tax-free threshold claim, and no other income, deductions or offsets. A client's actual position may differ — refer them to a registered tax agent or accountant for a precise calculation.
Target income $70,000/yr · No HELP debt
⌄
Desired net (take-home) income Enter the client's desired figure at the frequency below
$
Frequency of the figure above
HELP / HECS debt No HELP debt
⌄
Has a HELP / HECS debt Adds compulsory HELP repayments on top of tax
HELP repayments are calculated on gross income using the current compulsory repayment thresholds and rates, and are on top of income tax and the Medicare levy.