
Your First Graduate Salary: Take-Home Pay, HELP and Salary Sacrifice
Enter your salary and months worked to see take-home pay, HELP and super. Compare a package including super and salary sacrifice.
Money decisions that cross more than one calculator — worked through with current Australian rates.

Enter your salary and months worked to see take-home pay, HELP and super. Compare a package including super and salary sacrifice.

Enter a home price to map your deposit, FHSS money, grant, duty relief, LMI avoided and the loan left over.

Enter a home price to see the income, upfront cash and monthly repayment. Compare one or two incomes and different deposits.

Enter both salaries to see your combined take-home, HELP repayments and Medicare Levy Surcharge.

Compare FHSS with saving the same reduction in take-home pay in a bank account.

Enter your salary, sales and business costs to estimate the GST and tax to put aside, then see how much cash is left before or after personal super.

Enter both jobs to see what the second income leaves after tax and HELP, and whether scheduled withholding may leave a bill.

Enter your salary, mortgage and HELP balance to compare the same take-home cost across all three.

Enter your salary and pay rise to see what you'll keep after tax, Medicare, HELP and the Medicare Levy Surcharge.

See what your bonus leaves after tax, why your payslip may withhold more and when cash, super or a HELP repayment makes sense.