ATO tax withheld
Updated 24 June 2026. Study loans are one lump. No HELP line.
HELP on its own payslip line, plus a year-end line.
Competition
We opened the live take-home tabs. This is what we saw, and what we shipped.
ATO simple tax
Updated 1 July 2026. Stops at 2025–26.
We default to 2026–27. HELP and Medicare stay on the first screen.
ATO income tax estimator
Updated 1 July 2026. Stops at 2025–26. A long wizard.
Offer, HELP, and take-home on one screen. No twenty-minute form.
ASIC MoneySmart
Updated 19 June 2026. Has 2026–27. No HELP toggle.
HELP is a checkbox. Under the floor: $69,528 for 2026–27.
PayCalculator
Ads sat on the $2,701.85 fortnight.
Nothing sold next to the figure. Payslip stays on a sticky bar.
OzCalc
Checked on or after 2026-08-19. Two offers means a shareable URL.
Another offer on the same screen. Quote stays yearly.
SEEK Pay Calculator
Table year 2025–2026. Default $84,000, no HELP control.
HELP is on the first screen. 2026–27 is on the result.
Money.com.au
Hero is week, month, or year. Table is 2025-26. HELP stays $0 until a balance is typed.
Fortnight is the default view. Result year is 2026–27.
WageCalc
The first card omits HELP. Compare is a second URL.
HELP is a line on the first result. Compare stays on this screen.
Canstar
Excludes Medicare. Table is 2025–26, updated 3 June 2026.
Medicare is in the number. The clock says how many weeks are left in 2026–27.
ASIC MoneySmart mortgage
Updated 18 June 2026. No deposit clock beside take-home.
A deposit clock sits with take-home. We did not invent leftover income.
ProjectFi concessional cap
Shows cap remaining, carry-forward, and a prompt to contribute more.
Leftover is the general cap minus this offer's Super Guarantee. Carry-forward is not estimated.
MoneySmart super optimiser
Updated 7 August 2026. Asks how much you could spare. Form still says $30,000 from 1 July 2024.
This offer's Super Guarantee comes off the $32,500 cap.
paygcalculator.au HECS guide
Updated 14 September 2026. A myGov path, then another calculator.
A copied balance loses this year's repayment. No years-to-clear clock.
RBA housing rates
July 2026 owner-occupier loans: 6.16% a year.
A repayment on 80% of the ABS mean dwelling at 6.16%.
ATO low income super tax offset
Last updated 2 August 2023. 15% of concessional contributions, maximum $500, minimum $10.
Its own module beside Pay. Above $37,000 we do not estimate it.
ATO government contributions
Updated 27 April 2026. Cap $500. Co-contribution thresholds $49,293 and $64,293.
The offset uses contributions typed here. We do not invent a co-contribution.
ATO LISTO from 2027
Updated 17 March 2026. From 1 July 2027: $45,000 and $810.
2026–27 still uses $37,000 and $500. The 2027 figures are quoted.
MoneySmart low income super
Updated 7 August 2026. Stays $0 until you enter income and an amount you could spare.
Its own module beside Pay. We do not ask anyone to spare money.
Fair Work national minimum wage
From 1 July 2026 the national minimum wage is $1,004.90 a week.
We did not ship another take-home of the floor.
We do not replace the ATO or lodge a return. Not a ranking and not advice. See the Disclaimer.