Net to Gross Income Calculator
Adds your compulsory HECS-HELP repayment into the calculation.
Gross annual income
$80,000
Net annual income
$63,880
Income tax
$14,520
Medicare levy
$1,600
A gross salary of $80,000 a year leaves you with $63,880 net after income tax, the Medicare levy.
Quick answer
A net to gross calculator converts an Australian salary either direction: enter your gross annual income to see net take-home after tax, Medicare levy and HELP repayments, or enter a target net figure and it solves for the gross salary needed. On $80,000 gross with no HELP debt, net take-home is $63,880 a year.
Explore more Pay & Contractor calculators
Net to Gross Income Calculator is one of pay, contractor and work tools on OneCalculate — see the full set for this category.
Browse Pay & ContractorHow it works
This net to gross calculator works both ways, so it doubles as an ordinary gross to net calculator too — pick whichever direction matches what you already know. In gross-to-net mode it’s a straight subtraction:
Net income = Gross income − Income tax − Medicare levy − HELP repayment (if applicable)Income tax is calculated using the ATO’s individual resident tax brackets for FY2026-27: 0% up to $18,200, 15% from $18,201–$45,000, 30% from $45,001–$135,000, 37% from $135,001–$190,000, and 45% above $190,000. The 2% Medicare levy applies to the same income, per the ATO’s Medicare levy page. If you carry a HECS-HELP debt, a compulsory repayment is added on top using the ATO’s study and training loan repayment thresholds: 0% below $69,528, 15% from $69,528–$129,718, 17% from $129,718–$186,050, and a flat 10% cap on repayment income above $186,050.
In net-to-gross mode — for when you already know the net payable you need and want a salary calculator gross to net can’t give you directly — there’s no clean algebraic reverse of the tax brackets, so the calculator tests gross figures until the resulting net income matches your target, narrowing in until it converges on the gross salary that produces exactly that take-home pay.
Worked example
Marcus is a mining engineer in Brisbane weighing up a new role. He knows exactly what he needs in his bank account to live comfortably — $70,000 net a year — but the recruiter has asked him to name a gross salary expectation instead. Using net to gross mode with the amount set to $70,000 and no HELP debt, the calculator works backwards and lands on a gross salary of $89,000: at that gross figure, income tax of $17,220 and the Medicare levy of $1,780 come out, leaving exactly $70,000 net. Marcus quotes $89,000 in his negotiation.
His university friend Priya, an accountant in Melbourne, is comparing that outcome with her own $95,000 job offer — but she still owes money on a HECS-HELP loan. Switching to gross to net mode with the HELP toggle on, her $95,000 gross becomes $70,259 net after $19,020 income tax, $1,900 Medicare levy and a $3,821 compulsory HELP repayment.
| Marcus (net to gross) | Priya (gross to net, HELP on) | |
|---|---|---|
| Gross income | $89,000 | $95,000 |
| Income tax | $17,220 | $19,020 |
| Medicare levy | $1,780 | $1,900 |
| HELP repayment | — | $3,821 |
| Net income | $70,000 | $70,259 |
Frequently asked questions
What's the difference between gross and net income?
Gross income is your total salary before any deductions, while net income (take-home pay) is what lands in your bank account after income tax, the Medicare levy and any compulsory HELP repayment are subtracted. This net to gross calculator converts between the two in either direction.
How do I work out gross salary from a net (take-home) figure?
There's no single formula because tax is calculated in marginal bands, so a gross to net calculator working in reverse solves it by trial: testing gross figures until the resulting net pay matches your target, then reporting that gross salary. This tool automates that search so you get an answer instantly instead of guessing.
Does this calculator include my HECS-HELP debt repayments?
Yes, if you switch on the HECS-HELP toggle. Compulsory HELP repayments are calculated on the same income using the ATO's marginal repayment bands, starting at 15% once income passes $69,528 and rising in steps to a 10% flat cap on income over $186,050.
Does the Medicare levy apply to everyone the same way?
This calculator applies the standard 2% Medicare levy to all taxable income. It doesn't model the low-income reduction or exemption thresholds that apply below certain income levels, so if you're a low-income earner your real levy — and your real net payable — may be slightly higher than shown here.
Why would I calculate gross from net instead of the usual direction?
It's the natural approach for a salary negotiation or budget: you know the take-home pay you need to cover your expenses, and you want to know what gross salary to ask for. This salary calculator gross to net solves that in reverse instead of forcing you to guess and check gross figures yourself.
Is superannuation included in the gross or net figures?
No. In most standard employment, Superannuation Guarantee is paid by your employer on top of your gross salary, not deducted from it, so both the gross and net figures here are pay-only and don't include super.
Which mode should I use if I'm comparing two job offers?
Use gross to net mode with each offer's advertised salary to see the real take-home difference after tax, since two offers with the same gross figure can differ once HELP debt changes the comparison. Switch to net to gross only when you already know the take-home you want and need a target salary.
Related calculators
Written and verified by Nirbhay Tripathi
Last updated 18 August 2026
All rates on this page are verified againstATO — Tax rates, Australian residents, ATO — Medicare levy, ATO — Study and training loan repayment thresholds and rateson 18 August 2026. See our methodology for the full update calendar.