Salary Sacrifice Calculator: Convert Hourly to Annual Pay with Casual Loading and Super

How to Use the Salary Sacrifice Calculator

Our salary sacrifice calculator helps you convert an hourly rate to annual, fortnightly, and weekly pay. It also estimates tax and superannuation. The core formula is simple: hourly rate × hours per week × 52 weeks. For a full-time employee, we assume 38 hours per week, which is the standard under the Fair Work Act. If you work different hours, you can adjust the hours per week in the calculator.

Annual Gross Pay

Your annual gross pay is your hourly rate multiplied by the number of hours you work each week, then multiplied by 52. For example, at the National Minimum Wage of $26.44 per hour (from 1 July 2026) and 38 hours per week, the annual gross pay is $26.44 × 38 × 52 = $52,245.44. This matches the Fair Work Ombudsman’s weekly figure of $1,004.90 for 38 hours. If you are a casual employee, you are entitled to a 25% loading on top of the minimum wage, making the casual rate $33.05 per hour. The calculator has a checkbox to add casual loading – never enter a rate that already includes casual loading; always enter your base rate and tick the box.

Fortnightly and Weekly Pay

Your weekly pay is your hourly rate × hours per week. Fortnightly pay is simply weekly pay × 2. Many employers pay fortnightly, so the calculator shows both. For the minimum wage example, weekly pay is $1,004.90 and fortnightly pay is $2,009.80. These figures are before tax and super.

Distinguishing Pay Types

It is important to understand the difference between the National Minimum Wage, award rates, and casual loading. The National Minimum Wage is the legal floor set by the Fair Work Commission. Award rates are higher minimums for specific industries and occupations, set by the Fair Work Ombudsman. Casual loading of 25% is added to compensate for lack of paid leave. Superannuation guarantee (currently 12%) is paid on top of your ordinary earnings, not deducted from your pay. The calculator adds super to the annual gross figure.

Tax and Medicare

The calculator estimates tax using the 2026–27 resident tax rates: nil on the first $18,200, 15% on the next $26,800, 30% on the next $90,000, 37% on the next $55,000, and 45% above $190,000. Medicare levy is 2% (using the 2025–26 single reduction thresholds because the 2026–27 thresholds were not confirmed). The tax estimate assumes you claim the full tax-free threshold and no other deductions. It does not account for HELP repayments, the Medicare levy surcharge, or salary packaging.

Superannuation

Super guarantee is 12% of your ordinary earnings, paid on top of your salary. The calculator applies this up to the maximum contribution base of $270,830 per year. For example, on a $52,245 annual salary, super is $6,269.40 (12% of $52,245). The total cost to your employer is your gross pay plus super.

Using the Calculator with Salary Sacrifice

While our tool is called a salary sacrifice calculator, it does not model salary sacrifice arrangements. Salary sacrifice involves foregoing part of your pre-tax salary in exchange for benefits like a car or additional super contributions. This can reduce your taxable income. To understand how salary sacrifice affects your take-home pay, use our take-home pay calculator and read about super and packaging. For a full comparison of your pay, also check the reference tables for award rates and industry averages. Remember that salary sacrifice is a personal arrangement and this estimate is not a determination of your pay.

How to Use the Calculator

1. Enter your base hourly rate in the field. Do not include casual loading.
2. If you are a casual employee, tick the casual loading checkbox to add 25%.
3. The calculator shows your annual, fortnightly, and weekly gross pay, plus estimated tax, Medicare, and super.
4. Use the results to compare with a salary offer or to budget.

Important Notes

• The calculator assumes the same rate every week, no unpaid overtime, no penalty rates, no allowances, and no salary sacrifice.
• Super is estimated at 12% of ordinary earnings only, paid on top, and stops at the $270,830 maximum contribution base.
• Tax is the 2026–27 resident scale with the full tax-free threshold. Medicare uses the 2025–26 single reduction thresholds because the 2026–27 reduction thresholds were not confirmed here.
• HELP, the Medicare levy surcharge, and salary packaging are not deducted.
• This is an estimate, not a determination of your pay or tax.

Related Resources

• The timesheet: Enter your hourly rate and see the full breakdown.
• Pay guides: Find award rates and classifications for your industry.
• Reference tables: Compare your pay to ABS averages and minimum wage.
• About the timesheet: Learn how the calculator works.
• Minimum wage: Current rates and history.
• Take-home pay: Estimate your net pay after tax.
• Super and packaging: Understand super guarantee and salary sacrifice.
• Average pay: ABS Average Weekly Earnings for May 2026: full-time adult ordinary time $2,083.70 per week; all employees total earnings $1,579.20 per week (includes part-time). These are averages, not job medians.
• Hourly conversion: How to convert salary to hourly.
• Casual loading: What it is and when it applies.
• Job pay: Compare your pay to specific occupations.

Disclaimer

Annual pay here is hourly rate × hours per week × 52. It assumes the same rate every week, no unpaid overtime, no penalty rates, no allowances, and no salary sacrifice. Super is estimated at 12% of ordinary earnings only, paid on top, and stops at the $270,830 maximum contribution base. Tax is the 2026–27 resident scale with the full tax-free threshold. Medicare uses the 2025–26 single reduction thresholds because the 2026–27 reduction thresholds were not confirmed here. HELP, the Medicare levy surcharge, and salary packaging are not deducted. This is an estimate, not a determination of your pay or tax.