Pay rise calculator
Find out what a raise is worth after tax. Enter your new salary or the percentage increase you have been offered.
Extra take-home pay
+$4,760/ year
A +$7,000 (8.2%) change in salary means +$4,760 a year after tax.
Per month
+$397
Per fortnight
+$183
Per week
+$92
Before and after
- Old salary
- $85,000
- New salary
- $92,000
- Gross increase
- +$7,000
- Old take-home pay
- $67,280
- New take-home pay
- $72,040
- After-tax increase
- +$4,760
- Additional super
- +$840
How much of a pay rise do you keep?
A pay rise is taxed at your marginal rate, not your average rate, so the after-tax increase is smaller than the headline figure. For example, going from $85,000 to $92,000 in 2026–27 is a $7,000 increase, of which you keep about $4,760 – roughly 68%.
The rest goes to income tax and the Medicare levy. If you have a HELP debt, part of the increase also goes to your loan, which reduces your pay now but pays the debt down sooner.
Your employer's super contribution rises with your salary too. It does not show up in your pay, but it is part of what the raise is worth.
Frequently asked questions
Can a pay rise leave me worse off?
Not through income tax. Only the extra income is taxed at the higher rate, so your take-home pay always goes up. A higher income can reduce some government payments or trigger the Medicare levy surcharge if you have no private hospital cover, which this calculator does not model.
How do I work out a percentage pay rise?
Multiply your current salary by the percentage and add it on. A 4% rise on $80,000 is $3,200, giving $83,200. Choose 'Percentage increase' in the calculator and it does this for you.
Is a pay rise below inflation a pay cut?
In real terms, yes. If prices rise faster than your after-tax pay, your pay buys less than it did. Compare the percentage change in your take-home pay, not just your gross salary, with the inflation rate.
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Estimates only. Calculations are estimates only and are provided for general information. They do not constitute tax or financial advice. Your actual tax depends on your full circumstances, including deductions, other income and offsets. Check the ATO website or speak to a registered tax agent before making decisions.