How is annual pay calculated from an hourly rate?

Annual gross pay is calculated by multiplying your hourly rate by the number of hours you work per week, then by 52 weeks. For a standard full-time week of 38 hours, the formula is: hourly rate × 38 × 52. This assumes you work the same hours every week with no unpaid overtime, penalty rates, or allowances. The result is an estimate of your annual salary before tax and super.

Does the calculator include casual loading?

Yes. On the timesheet page, you can check a box to add 25% casual loading on top of your base hourly rate. This loading compensates casual employees for not receiving paid leave entitlements. Do not enter a rate that already includes casual loading; the calculator applies it automatically. Super is then calculated on the loaded rate.

Is super included in the take-home pay estimate?

No. Superannuation is paid on top of your ordinary earnings by your employer and is not part of your take-home pay. The calculator estimates super at 12% of your gross earnings (up to the $270,830 maximum contribution base) and shows it separately. Your take-home pay is your gross pay minus tax and the Medicare levy.

Take Home Salary Calculator: Convert Your Hourly Rate to Annual Pay with Casual Loading and Super

For a full-time employee on the National Minimum Wage of $26.44 per hour, working 38 hours a week, the annual gross pay is approximately $52,269, with super of $6,272 paid on top.

How to Use This Take Home Salary Calculator

Our take home salary calculator helps you turn an hourly rate into an annual figure, including the effects of casual loading, tax, and super. Start by typing your base hourly rate on the timesheet page. If you are a casual employee, tick the box to add 25% casual loading on top. The calculator then works out your annual gross pay using the standard formula: hourly rate × hours per week × 52. For a full‑time employee we assume a 38‑hour week, as set by the Fair Work Ombudsman. You can adjust the hours if your pattern is different.

The result shows your annual gross, your fortnightly pay (weekly pay × 2), estimated tax and Medicare, and the super your employer pays on top. All figures are estimates based on the 2026–27 tax rates and the 2025–26 Medicare thresholds (because the 2026–27 reduction thresholds were not confirmed at the time of calculation).

Understanding Your Hourly Rate and Annual Pay

Annual gross pay is simply your hourly rate multiplied by the number of hours you work each week, multiplied by 52. For example, the National Minimum Wage from 1 July 2026 is $26.44 per hour. For a 38‑hour week:

$26.44 × 38 × 52 = $52,269.44 per year (rounded).

If you are a casual employee, the minimum casual rate is $33.05 per hour (including the 25% loading). That gives:

$33.05 × 38 × 52 = $65,336.80 per year.

These are gross figures before tax, Medicare, and super. The calculator also shows your fortnightly amount: weekly pay × 2. For the minimum wage example, weekly pay is $1,004.90, so fortnightly is $2,009.80.

It is important to distinguish between the National Minimum Wage and award rates. The National Minimum Wage is the legal floor for most employees not covered by an award. Award rates are set by the Fair Work Commission and may be higher. The calculator uses the rate you enter, so if you are on an award, enter your award rate. For more on this, see our pay guides and minimum wage pages.

Casual Loading: What It Means for Your Pay

Casual employees receive a 25% loading on top of the base hourly rate to compensate for not getting paid leave entitlements such as annual leave and sick leave. This loading is part of your ordinary earnings, so super is calculated on the loaded rate. For example, if your base rate is $30.00 per hour, the casual rate is $37.50 per hour. Super at 12% is then $4.50 per hour on top, making your total cost to the employer $42.00 per hour.

The casual loading page explains this in more detail. Remember: never enter a rate that already includes casual loading into the calculator. Use the checkbox to have it added automatically.

Tax and Medicare: What You Take Home

The calculator estimates your take‑home pay using the 2026–27 resident tax rates:

Nil tax on the first $18,200
15% on income from $18,201 to $45,000
30% on income from $45,001 to $135,000
37% on income from $135,001 to $190,000
45% on income above $190,000

Plus the Medicare levy of 2% (using the 2025–26 single reduction thresholds because the 2026–27 thresholds were not confirmed). The calculator does not deduct HELP repayments, the Medicare levy surcharge, or salary sacrifice arrangements. For a full breakdown of how tax affects your pay, visit our take‑home pay page.

Superannuation: Paid on Top of Your Earnings

Employers must pay super guarantee contributions of 12% of your ordinary earnings, on top of your gross pay. This is not deducted from your pay; it is an additional cost to your employer. The super is capped at the maximum contribution base of $270,830 per year (for the 2026–27 year). If your annual earnings exceed that, super is only paid on the first $270,830.

The calculator shows the estimated super amount separately. It is not part of your take‑home pay, but it is an important part of your total remuneration. See our super and packaging page for more.

Using the Timesheet for Your Own Numbers

The best way to see your own figures is to use the timesheet on our home page. Enter your base hourly rate, select casual loading if applicable, and the calculator will instantly show your annual gross, fortnightly pay, estimated tax, Medicare, and super. You can compare different rates and scenarios. For reference tables of award rates and averages, see our reference tables and average pay pages.

Remember: this is an estimate. It assumes the same rate every week, no unpaid overtime, no penalty rates, no allowances, and no salary sacrifice. Always check with your employer or a qualified adviser for a binding determination of your pay.