Weekly Tax Calculator Australia (FY2025-26)
Find out exactly what lands in your bank account each week after PAYG tax, Medicare Levy and HECS. Built for FY2025-26 Stage 3 brackets, with toggles for HECS and private health cover so the result matches your real payslip.
About this calculator
Roughly one in five Australian employees is paid weekly, especially in retail, hospitality, construction and labour-hire roles. If you are one of them, the headline annual salary advertised in a job listing can feel disconnected from what actually shows up in your account each Thursday or Friday. Our weekly tax calculator removes the guesswork by applying the FY2025-26 resident tax brackets, the 2% Medicare Levy, the Low Income Tax Offset and HECS where relevant, then dividing by 52 pay periods to give you a clean weekly net figure you can budget against.
The calculation assumes a single employer and steady weekly pay, which is how the ATO weekly withholding tables work. We gross your weekly pay up to an annual figure, calculate annual tax including LITO and Medicare, then divide back down. That mirrors the formula your payroll system uses, so the number you see should match within a few dollars of your actual payslip. Edge cases like overtime spikes, leave loading and irregular bonuses can push withholding higher in a single week, but they wash out across the year.
Weekly-paid workers face two budgeting traps the calculator helps you spot. First, a five-Friday month happens twice a year and can quietly inflate your sense of disposable income. Second, the tax-free threshold is automatically baked into your weekly withholding by your main employer, so picking up a second weekly job without ticking the no-threshold box on the TFN declaration almost always leads to a tax bill at year end. Knowing your true weekly take-home for both jobs before accepting them prevents that surprise.
How to use
- 1Enter your annual gross salary as shown in your contract or letter of offer.
- 2Toggle HECS on if you have a study loan, and private health on if you hold hospital cover.
- 3We gross-up to annual, apply FY2025-26 brackets, Medicare and LITO, then divide by 52.
- 4Read off your weekly net pay, plus the weekly tax and HECS components broken out separately.
- 5Use the AI assistant to ask whether bumping super by $50/week is worth it for your bracket.
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Frequently asked questions
Why does my real payslip differ from this weekly calculator by a few dollars?
Three reasons usually explain it. First, your employer may use ATO Schedule 2 weekly tax tables which round to whole dollars, while we use the exact formula. Second, salary packaging, novated leases or pre-tax super contributions reduce your taxable wage before PAYG is calculated. Third, if you started mid-year or had unpaid leave, your weekly pay does not multiply cleanly to your annualised salary. Differences under $5/week are normal. Anything larger usually points to one of those three causes — check your payslip deductions section first.
Do I need to convert weekly income to annual when I lodge my tax return?
No. The ATO matches data directly from your employer's STP (Single Touch Payroll) reporting, so your prefilled return shows annual totals automatically. You only need to verify the figures in myTax against your final payslip of the year, which shows year-to-date gross and tax withheld. If you change jobs mid-year, both employers report separately and the ATO consolidates them. Where weekly tracking matters is during the year, for budgeting and for confirming your withholding is correct so you do not get a surprise bill in July.
How does HECS get withheld from my weekly pay?
Your employer withholds extra tax once your weekly pay grossed up to annual crosses the FY2025-26 HECS threshold of $67,000. Under the new marginal system the withholding rate is roughly 15c on each dollar of annualised pay above $67,000 (rising to 17c above $125,000 and 10% flat above $179,285). The withheld amount is held by the ATO and applied against your indexed HECS balance after you lodge. Tier transitions are smoother than the old 18-band cliff, but the calculator still shows the post-HECS net so you see exactly what lands in your account.
I work multiple weekly jobs — how should I claim the tax-free threshold?
Claim it on your highest-paying job only. On every other employer's TFN declaration, tick no to question 8 (claiming the tax-free threshold). Your secondary employers will then withhold at the higher no-threshold rate, which approximates the marginal rate you would actually owe on that income. Forgetting to do this is the single biggest cause of tax bills for weekly-paid casual workers — both employers apply the $18,200 free threshold and you end up under-withheld by $3,000 to $5,000 across the year.
Does the weekly calculator handle leave loading and overtime?
Indirectly. If you give us your annual salary inclusive of expected overtime and 17.5% leave loading, the weekly result will reflect the average. But in any individual week where you actually receive overtime or leave loading, your employer withholds extra under ATO Schedule 5, so that single payslip will show more tax than our calculator predicts. This evens out across the year. Use our annual estimate calculator if you want to model a year with significant overtime — the marginal-rate effect can be material above $135,000.
Authoritative sources
All rates and thresholds used in this calculator are sourced from the Australian Taxation Office (ATO).
Want a full refund estimate?
Our main refund calculator combines all these rules — enter your salary and deductions for a full annual refund estimate.
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