Australian pay comparison tool

Work out what PTY/ABN rate you would need.

Build your TFN income from ordinary hours, overtime, allowances and casual loading, then estimate your super, weekly tax, after-tax take-home and the PTY/ABN rate needed to replace the package. Businesses can also use the calculator to estimate an equivalent subcontractor rate for someone moving from TFN employment to working through a PTY/ABN.

Start calculating See how it works

Enter your TFN hours

Ordinary hours worked Base rate per hour ($) Time-and-a-half hours

Double-time hours

Weekly allowances ($)

Travel, meal and other weekly allowances. For this rough tax estimate they are treated as taxable.

Apply casual loadingAdds the casual loading percentage to the base hourly rate. Casual loading %

Default: 25%.

Use working holiday maker taxUses WHM rates: 15% to $45,000, then 30% / 37% / 45%.

Total hours

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Effective ordinary rate

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TFN gross weekly income

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Gross average / hour

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Ordinary pay—

Time-and-a-half pay—

Double-time pay—

Weekly allowances—

Superannuation estimate

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Estimated weekly super based on Ordinary Time Earnings (OTE) for ordinary hours only in this simplified calculator.

OTE ordinary pay / week

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Super rate

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Estimated annual super

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Estimated TFN after-tax take-home

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Average cash per calendar week after estimated income tax and Medicare levy.

Annual taxable income

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Annual income tax

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Annual Medicare levy

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Annual after tax

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Weekly tax breakdown

Weekly income tax

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Weekly Medicare levy

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Weekly total tax

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Equivalent PTY/ABN rate needed

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Per billable hour, before GST.

Weekly PTY/ABN invoice

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Annual PTY/ABN revenue

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Invoice incl. GST / hr

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TFN & PTY/ABN comparison settings

Super % Annual leave weeks Leave loading %

Annual leave loading. Casual loading is entered separately above.

Working / billable weeks PTY/ABN overhead / insurance / admin % Include NSW payroll tax estimate (5.45%)Use this if the business is large enough to pay payroll tax. In NSW, payroll tax generally applies where total Australian wages exceed the $1.2 million annual threshold. This toggle adds a simple 5.45% allowance for comparison purposes.

PTY/ABN cost build

Working wages—

Annual allowances—

Paid annual leave—

Leave loading—

Super (OTE basis)—

TFN employment value—

Payroll tax added—

PTY/ABN overhead allowance—

Required PTY/ABN revenue—

Why TFN and PTY/ABN rates are not directly comparable

A TFN hourly rate can come with employer-paid super, paid leave, overtime rates and other employment costs. A PTY/ABN contractor normally has to recover those costs through the invoice rate. This calculator turns those items into one rough equivalent hourly figure.

Overtime

Enter time-and-a-half and double-time hours separately so the TFN side reflects the actual week.

Tax view

The tool now shows a clearer weekly tax breakdown: income tax, Medicare levy and total weekly tax.

Business costs

Add an overhead percentage for insurance, admin and other PTY/ABN costs, plus the optional NSW payroll-tax allowance.

Estimates only Australia Black & orange theme

Important: This calculator is a rough comparison tool. It does not determine whether a worker is legally an employee or contractor, and it is not tax, legal, accounting or employment advice.