Employee Financial Health Check
See take-home pay, super vs age benchmark, savings rate and buffer months combined into one personalised financial score.
Estimated net annual income
$50,280
Gross salary$60,000
Income tax$8,520
Medicare Levy$1,200
Superannuation Guarantee (employer)$7,200
Total deductions$9,720
Effective tax rate16.2%
Are you actually on track financially
Being paid on time with tax withheld and super paid automatically makes budgeting easier than it is for a contractor, but it can also mask whether you're genuinely on track — for retirement, for an emergency buffer, and for a savings rate that matches your goals.
This calculator brings your take-home pay, super trajectory, savings rate and buffer months together into one profile, rather than leaving you to judge each in isolation.
What's included in this score
- Take-home pay after income tax and the Medicare Levy
- Your superannuation balance and contributions relative to typical benchmarks for your age
- Your current savings rate as a share of take-home pay
- Buffer months of expenses covered by your savings
