What is the difference between Gross and Net?

Gross pay is total earnings before deductions. Net pay is take-home after tax, HECS/HELP withholding, and other deductions.

How is HECS/HELP calculated?

From 2025–26, compulsory HECS/HELP repayments use progressive thresholds: $0–$67,000 nil; $67,001–$125,000 15c per dollar over $67,000; $125,001–$179,285 $8,700 plus 17c per dollar over $125,000; $179,286+ 10% of repayment income.

How do I increase my income?

Roster mix (nights/weekends/public holidays), overtime, eligible allowances, salary packaging, and progression through intern→resident→registrar levels are the main levers.

What is salary packaging?

Salary packaging lets eligible healthcare workers pay approved expenses from pre-tax income, reducing taxable income. It is a tax benefit, not extra pay.

How much can you salary package?

Typical FBT-year caps are about $9,010 for living expenses and up to $2,650 for meal/entertainment. Eligibility and caps vary by employer/provider.

JMO Salary Calculator Australia (Intern, Resident & Registrar) | 2025–26

Estimate junior doctor take-home pay with overtime, penalties, HECS and salary packaging. Updated for 2025–26 award rates. Estimate doctor take-home pay with overtime, penalties, HECS and packaging (2025–26).

State

Grade

Contract

Leave

Working weeks: 52

Standard Shift Length

8h 10h 12h

Shift Penalties

Saturdays

Sundays

Public Holidays

0 out of 11 public holidays a year.

Evening Hours

Night Hours

Ordinary Hours

0.0 / 38.0 h

38.0 ordinary hrs not allocated to penalty shifts.

Overtime

Instances

Average Hours per Instance

0.0

Set your overtime pattern below.

Advanced

Salary Packaging

Salary Packaging: Living Expenses ($9,010)

Salary Packaging: Meal & Entertainment ($2,650)

For NSW, only ~50% of packaging savings are retained.

Tax & Deductions

Tax deductions

Work-Related Deductions ($)

Net Investment Loss ($)

HECS / HELP

HECS/HELP Repayment

Estimated HECS repayment: $0

Results

Gross annual

Net annual

Gross / fortnight

Net / fortnight

Savings

Annual Income

$80,570

Fortnightly Income

$3,099

Savings

State ComparisonComparison Show difference

* After tax and Medicare levy.

Assumptions

Working weeks/year: 52

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