Guides

How the figures in the calculators are worked out, with examples. Each guide lists the legislation and official pages it relies on.

• Take-home pay on $80,000, $100,000 and $120,000 in Australia (2026-27)After income tax and Medicare levy, $80,000 leaves $63,880, $100,000 leaves $77,480 and $120,000 leaves $91,080 a year in 2026-27. Tables, HELP and super.
• Redundancy pay and notice explained: weeks, amounts and who misses outNotice periods and redundancy pay under the National Employment Standards: the two tables, who is excluded, and four worked examples with amounts.
• Unused annual leave payout when you leave: how it is worked outWhat the Fair Work Act says about paying out unused annual leave, how hours and rate give the amount, when 17.5% loading is included, and four examples.
• HELP repayment in 2026-27: thresholds, marginal rates and examplesThe 2026-27 HELP repayment table: nil to $69,528, then 15 cents per dollar, with worked examples at $70,000, $100,000 and $150,000.
• The 15% first tax band in 2026-27 vs 16%: what it changesThe first tax band drops from 16% to 15% in 2026-27. The most anyone saves is $268 a year. Table by income, what stays the same, and the 14% step in 2027-28.
• Redundancy pay at a small business: the fewer-than-15-employees ruleEmployers with fewer than 15 employees do not owe NES redundancy pay. How the headcount works, when it is tested, what is still owed, and a side-by-side table.
• Casual vs permanent: take-home pay at the same hours (2026-27)A 25% casual loading against paid leave: 2026-27 take-home pay at three hourly rates, and the paid weeks (41.6 of 52) where casual and permanent are equal.
• Super guarantee at 12%: how to check it on your payslipWhat the 12% super guarantee applies to in 2026-27, amounts at five salaries, the $270,830 cap, why overtime is left out, and a checklist to match payslip to fund.

The guides are general information, not tax, legal or financial advice. Rates as at 1 November 2026.