Pay Calculator NSW 2026–27
Pay after tax for 2026–27 with the national rates, and the NSW holidays, leave rules and local earnings figures that sit around it.
Your take-home pay
Take-home pay per fortnight
$2,469.23
$64,200.00 a year · plus $9,600.00 super paid on top
- Gross pay
- $3,076.92
- Income tax
- −$546.92
- Medicare levy
- −$60.77
- Take-home pay
- $2,469.23
- Super (paid on top)
- $369.23
On the same pay you take home $588.00 more a year in 2026–27 than in 2025–26. Compare every year.
See the full breakdown of $80,000 after tax, with tax by bracket, HECS-HELP and super.
Plan where your $2,469.23 a fortnight goes with the budget planner.
| Pay cycle | Gross | Tax | Medicare | Take-home | Super |
|---|---|---|---|---|---|
| Annual | $80,000.00 | $14,220.00 | $1,580.00 | $64,200.00 | $9,600.00 |
| Monthly | $6,666.67 | $1,185.00 | $131.67 | $5,350.00 | $800.00 |
| Fortnightly | $3,076.92 | $546.92 | $60.77 | $2,469.23 | $369.23 |
| Weekly | $1,538.46 | $273.46 | $30.38 | $1,234.62 | $184.62 |
| Daily | $307.69 | $54.69 | $6.08 | $246.92 | $36.92 |
| Hourly | $40.49 | $7.20 | $0.80 | $32.49 | $4.86 |
Rates checked 12 October 2026 against the ATO · How we calculate · Calculated in your browser; nothing you enter is sent anywhere.
How your pay is worked out
Updates as you change your pay. Hover over or tab to a bar for the figures.
Out of every $100 you earn
- Take-home pay $80.25 $64,200 a year
- Income tax $17.78 $14,220 a year
- Medicare levy $1.98 $1,580 a year
How your income tax is worked out
Each tax rate applies only to the part of your income inside its bracket.
- Left after income tax
- Income tax
- $0 – $18,200 · tax-free$18,200 → $0 tax
- $18,201 – $45,000 · 15% rate$26,800 → $4,020 tax
- $45,001 – $135,000 · 30% rate$34,000 → $10,200 tax
- $135,001 – $190,000 · 37% rateNot reached
- $190,001 and over · 45% rateNot reached
Taxable income $79,000 (pay of $80,000 less $1,000 of deductions) → tax by bracket $14,220.
Show as a table
| Taxable income | Rate | Your income in it | Tax |
|---|---|---|---|
| $0 – $18,200 | 0% | $18,200 | $0 |
| $18,201 – $45,000 | 15% | $26,800 | $4,020 |
| $45,001 – $135,000 | 30% | $34,000 | $10,200 |
| $135,001 – $190,000 | 37% | $0 | $0 |
| $190,001 and over | 45% | $0 | $0 |
What is and is not different in NSW
Nothing on your payslip is set by the NSW Government. Income tax, the Medicare levy, HECS-HELP repayments and the super guarantee are all federal, which is why the calculator above gives the same answer in Sydney as it would in Perth. What NSW controls is the calendar and some entitlements around your pay:
- 13 statewide public holidays in 2026–27, including an extra Monday when Anzac Day falls on a Sunday, plus local public holidays in some regional areas.
- The August Bank Holiday, which closes bank branches but is not a public holiday for other workers.
- Long service leave under the NSW Long Service Leave Act 1955, for workers whose award or agreement does not set it.
- Payroll tax, which NSW charges employers (not employees) at 5.45% of wages above $1,200,000 a year.
- Pay for NSW public servants, which is set by state awards.
The federal rates the calculator uses are on the tax rates page.
NSW public holidays 2026–27
These are the NSW public holidays between 1 July 2026 and 30 June 2027, from the NSW Government’s public holidays list. Some regional areas also declare local public holidays for events such as agricultural shows.
| Date | Holiday | Notes |
|---|---|---|
| Mon, 3 Aug 2026 | Bank Holiday | Not a declared public holiday. Retail bank branches and certain financial institutions close. |
| Mon, 5 Oct 2026 | Labour Day | |
| Fri, 25 Dec 2026 | Christmas Day | |
| Sat, 26 Dec 2026 | Boxing Day | |
| Mon, 28 Dec 2026 | Additional day for Boxing Day | Boxing Day falls on a Saturday. |
| Fri, 1 Jan 2027 | New Year's Day | |
| Tue, 26 Jan 2027 | Australia Day | |
| Fri, 26 Mar 2027 | Good Friday | |
| Sat, 27 Mar 2027 | Easter Saturday | |
| Sun, 28 Mar 2027 | Easter Sunday | |
| Mon, 29 Mar 2027 | Easter Monday | |
| Sun, 25 Apr 2027 | Anzac Day | |
| Mon, 26 Apr 2027 | Additional day for Anzac Day | Anzac Day falls on a Sunday. |
| Mon, 14 June 2027 | King's Birthday |
You have the right to be absent from work on a public holiday. If you are asked to work, your award or agreement may give you public holiday penalty rates or another day off. Check the Fair Work Ombudsman’s public holidays guidance and its penalty rates information for what applies to your job.
Source: NSW public holidays (NSW Government, updated 16 July 2026).
NSW long service leave
The Long Service Leave Act 1955 gives full-time, part-time and casual workers 2 months (8.67 weeks) of paid long service leave after 10 years’ continuous service with an employer, then 1 month (4.33 weeks) for each further 5 years.
With less than 5 years’ service there is no entitlement. Between 5 and 10 years, a pro-rata payment applies only in certain circumstances when employment ends.
Source: Long service leave (NSW Industrial Relations, updated 12 October 2026). Awards, agreements and portable schemes in some industries set different rules.
Estimate yours with the long service leave calculator.
Earnings in NSW: Sydney, Newcastle, Wollongong and Central Coast
Full-time adults in New South Wales earned an average of $2,108.80 a week in ordinary time in May 2026, compared with $2,083.70 nationally. Over a year that is $109,658, which leaves $84,367.36 after tax in 2026–27.
| Persons | Males | Females | |
|---|---|---|---|
| NSW | $2,108.80 | $2,204.50 | $1,970.70 |
| Australia | $2,083.70 | $2,181.00 | $1,934.50 |
The ABS does not publish average weekly earnings for individual cities. The closest official local figure is median weekly personal income from the 2021 Census. It covers everyone aged 15 and over, including people who are not working, so it is much lower than full-time earnings and is best used to compare areas with each other.
| Area (ABS region) | Median weekly income |
|---|---|
| Sydney (Greater Sydney) | $881 |
| Newcastle (Newcastle and Lake Macquarie) | $793 |
| Wollongong (Illawarra) | $753 |
| Central Coast | $727 |
| New South Wales | $813 |
| Australia | $805 |
Source: Australian Bureau of Statistics, Average Weekly Earnings, Australia, May 2026 (released 13 August 2026) and 2021 Census QuickStats, used under CC BY 4.0.
NSW public sector pay
- Public Sector Awards in NSW (NSW Government): The awards that set pay and conditions across the NSW public sector.
- Crown Employees (Public Sector – Salaries 2024) Award (NSW Government): Salary rates for most non-executive public service employees.
APS and ADF scales, and every state’s sources, are on the public sector pay scales page.
Frequently asked questions
Is income tax different in NSW?
No. NSW residents pay the same federal income tax, Medicare levy and HECS-HELP repayments as everyone else in Australia. On a $80,000 salary you take home $64,200.00 in 2026–27 whether you live in Sydney, Dubbo or Darwin.
Does payroll tax come out of my pay?
No. Payroll tax is a NSW tax on employers, not a deduction from your wages. Businesses pay 5.45% on the wages they pay above $1,200,000 a year, according to Revenue NSW. It never appears on your payslip and does not change your take-home pay.
How many public holidays does NSW have?
NSW has 13 statewide public holidays in 2026–27, counting the extra Mondays for Boxing Day and Anzac Day, which fall on weekends this year. The Bank Holiday in August is not a declared public holiday for most workers, and some regional towns add local public holidays.