How do I work out the gross salary for a target take-home amount?

It requires reversing the income tax bands (0%, 15%, 30%, 37% and 45%) and the Medicare Levy to find the pre-tax figure that leaves your chosen take-home amount — this calculator does that calculation for you directly.

Is super added on top of gross salary or included in it?

It depends on how the offer is structured — some roles quote 'salary plus super', others quote a total package that already includes the 12% Superannuation Guarantee. Check which applies before comparing offers.

Can I use this to work out what salary I need for a mortgage?

Yes — solve for the take-home income a lender's serviceability assessment implies you need, then check the resulting mortgage repayment against that income using the mortgage repayment calculator.

Net to Gross Salary Calculator

Solve for the gross salary needed to hit a target take-home amount, accounting for tax, Medicare Levy and super.

Target annual take-home (net)

Gross salary needed

$59,588

Net annual income$50,000

Income tax$8,396

Medicare Levy$1,192

Superannuation Guarantee (employer)$7,151

Total deductions$9,588

Effective tax rate16.1%

Working out the gross salary behind a take-home target

It's easy to work out take-home pay from a gross salary, but going the other way — 'what gross salary do I need to actually take home $X' — takes solving the income tax bands and Medicare Levy in reverse. This calculator does that solve for you, rather than making you guess and check.

How to use this calculator

Enter the take-home amount you want per week, fortnight, month or year
Choose whether super should be shown as paid on top or included in the package
Review the gross salary needed to reach your target after income tax and the Medicare Levy