Australian JMO Income Estimator
Made by a Bored NSW Medical student, Contemplating Where to Intern.
State
NSW
SA
TAS
QLD
NT
ACT
WA
VIC
Grade
Intern (PGY1)
Resident (PGY2)
Senior Resident (PGY3)
Senior Resident (PGY4)
Registrar - Year 1
Registrar - Year 2
Registrar - Year 3
Registrar - Year 4
Registrar - Year 5
Registrar - Year 6
Registrar - Year 7
Senior Registrar - Year 1
Senior Registrar - Year 2
Senior Registrar - Year 3
Senior Registrar - Year 4
FTE (Full-Time Equivalent)
?
1.0 FTE = 10 × 8-hour days per fortnight (full-time).
1.0
Leave (weeks/year)
?
Annual leave is usually paid at your base rate with a leave loading of 17.5%.
5
Working weeks:
47
Standard shift length
8h
10h
12h
Shift Penalties
Saturday shifts/week
?
NSW loading for Saturday is 1.5×.
0.0
Sunday shifts/week
?
NSW loading for Sunday is 1.75×.
0.0
Public Holiday shifts/year
?
NSW loading for Public Holidays is 2.5×.
0
After-hours hrs/week (Mon–Fri)
?
NSW loading for after-hours (evening) is 1.125×.
0.0
Night hrs/week (Mon–Fri)
?
NSW loading for night hours is 1.25×.
0.0
Ordinary Hours
?
Ordinary hours pool is 38 h/week at 1.0 FTE (scaled by your FTE). Anything above this is overtime.
0.0
/
38.0
h
38.0 ordinary hours not allocated to penalty shifts.
⚠ Ordinary hours >38; excess penalty hours ignored.
Overtime (FTE = 1.0)
Instances of overtime per week
?
Overtime is usually paid at time and a half (1.5×) for the first 2 hours. Overtime after two hours is paid at double time.
0
Average hours per instance of overtime
?
Overtime is usually paid at time and a half (1.5×) for the first 2 hours. Overtime after two hours is paid at double time.
0.0
Set your overtime pattern below.
Advanced
Salary packaging: Living expenses ($9,010)
Salary packaging: Meal & entertainment ($2,650)
For NSW, only ~50% of packaging savings are retained.
Tax deductions ($)
HECS/HELP repayment
Auto rate:
0.0
%
Update
Results
Annual (gross)
$77,288
Per fortnight
$2,973
Annual (after tax est.)
$61,768
Per fortnight (after tax est.)
$2,376
Salary sacrifice savings
$0
Tax deduction savings
$0
NSW • Intern (PGY1) • FTE 1.0 • Leave 5 wks/yr • Shift length 10h
Same roster in other states
SA
$83,191
$65,782*
TAS
$88,464
$69,367*
QLD
$91,658
$71,539*
NT
$88,997
$69,730*
ACT
$84,831
$66,897*
WA
$85,016
$67,023*
VIC
$84,813
$66,885*
* is after tax.
Assumptions
Working weeks/year:
47
Sat shifts/year:
0.0
Sun shifts/year:
0.0
PH shifts/year:
0
After-hours hrs/year:
0.0
Night hrs/year:
0.0
OT @1.5x hrs/year:
0.0
OT @2.0x hrs/year:
0.0
Sources
NSW EBA (IB2025_003)
,
NSW Medical Officers Award
VIC EBA (AMA SIEA 2022–2026)
QLD EBA (CB128 2025)
SA EBA 2025
TAS Agreement 2022
,
TAS Award 2025
NT EBA 2022–2025
WA AMA Agreement 2024
ACT EBA 2023–2026