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🇦🇺 New South Wales (NSW) · Sydney Metro

New South Wales Salary Calculator 2026

Calculate your exact net pay in New South Wales for 2026. Modeled on official ATO Stage 3 revised tax brackets, 2% Medicare Levy, and 12% Superannuation Guarantee in Sydney.

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Calculator Mode
A$
Benchmarks:
Contract & Tax Withholding Model
Employer or agency withholds PAYG tax & Medicare at source each pay cycle. Includes 12% Superannuation.
Tax-Free Threshold
First A$18,200 is tax-free on primary job. Without threshold (2nd job), 16% is withheld from dollar 1.
Residency for Tax Purposes
Australian residents receive Stage 3 progressive brackets. Non-residents start at 30% from dollar 1.
Estimated Net Take-Home Pay
$69,392.00
Per annual · $69,392.00 annually (78.0%)
Total Deductions
$19,108.00
22.0% of gross
Net Pay (78.0%)
Income Tax (20.0%)
Social / Pension (2.0%)
Effective Tax Rate
20.0%
Marginal Tax Rate
30.0%
Gross Annual
$88,500
Net Retention
78.0%
Gross Remuneration (annual)$88,500.00
Income Tax(Effective: 20.0%)
−$17,338.00
Medicare Levy(2.0%)
−$1,770.00
Superannuation Guarantee (Employer)Employer Paid(12.0%)
+$10,620.00
Net Take-Home Pay$69,392.00
Employer's Additional Statutory Contribution:+$10,620.00 / annual
Median Resident Salary
A$88,500
Sydney Metro Benchmark
Average Full-Time Salary
A$102,400
ABS Labour Force Data
Superannuation Guarantee
12.0%
Employer-Paid Concessional
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Worked Example: A$110,000 in Sydney

Senior Consultant in Sydney CBD / Barangaroo

On an annual salary of A$110,000 in Sydney, the revised Stage 3 tax brackets tax the first $18,200 at 0%, $18,200–$45,000 at 16% ($4,288), and $45,000–$110,000 at 30% ($19,500), totaling A$23,788 in PAYG income tax. The 2.0% Medicare levy adds A$2,200. Total deductions are A$25,988, delivering an annual take-home pay of A$84,012 (A$7,001/month or A$3,231 fortnightly). Your employer contributes an additional 12% (A$13,200) into your super fund.

Sydney Economic & Employment Landscape

Sydney is Australia’s largest financial and technology hub. While individual income tax is uniformly administered by the federal ATO, Sydney wages are typically higher to compensate for housing costs.

Federal ATO Stage 3 Uniformity

In Australia, personal income tax is solely levied at the federal level. Whether you reside in Sydney or elsewhere, the ATO Stage 3 tax brackets, 2% Medicare Levy, and $18,200 tax-free threshold apply identically across every state and territory.

Frequently Asked Questions: New South Wales Salary & ATO Tax

Is personal income tax different in NSW compared to other states?

No. In Australia, personal income tax is solely levied by the federal government through the Australian Taxation Office (ATO). Stage 3 income tax rates and Medicare levies are identical whether you work in Sydney, regional NSW, or any other state.

What is the minimum Superannuation Guarantee in NSW?

The statutory Superannuation Guarantee in NSW is 12.0% of ordinary time earnings for the 2025–2026 financial year, paid by employers into your complying super fund on top of your base gross wage.

Relocating Overseas from New South Wales?

Compare Sydney take-home pay with London or Auckland on equivalent remuneration.

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