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ACT Doctor Pay Calculator (Intern–Registrar) | 2025–26

Estimate ACT junior doctor pay (Intern → Registrar) for 2025–26. Adjust your after-hours and overtime to match your roster, and use the ACT agreement links below if you want to verify entitlements or edge cases.

Includes quick answers, worked examples, and links to sources.

Estimate my pay (ACT)

ACT at a glance

  • Intern Salary: $88,485
  • Ordinary hours: 38 per week
  • 1.5 Saturday Loading
  • 1.75 Sunday Loading
  • 2.5 Public Holiday Loading
  • Overtime multiplier: 1.5× above ordinary hours
  • Annual leave: 5 weeks
  • Study leave: 10 days
  • Sick leave: 18 days

Levels and base rates (ACT)

LevelBase salary
Intern $88,485
Resident - Year 1 $102,486
Resident - Year 2 $111,826
Resident - Year 3 $125,473
Resident - Year 4 $135,446
Registrar - Year 1 $125,473
Registrar - Year 2 $135,446
Registrar - Year 3 $145,460
Registrar - Year 4 $155,223
Senior Registrar - Year 1 $173,760

Worked examples (ACT)

Intern

  • Roster: 38h/wk, some evenings, one weekend shift/month, some public holidays.
  • Includes: penalties for nights/weekends; occasional overtime, four weeks of leave.
Gross Income: $100,423
Net Income*: $72,486
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RMO

  • Roster: ~40–44h/wk, some evenings/nights, 2–3 weekend shifts/month, some public holidays.
  • Includes: penalties for nights/weekends; occasional overtime, four weeks of leave.
Gross Income: $130,317
Net Income*: $88,224
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Year 3 Registrar

  • Roster: 45–55h/wk, every second weekend, some public holidays, overtime most weeks.
  • Includes: mix of nights/afternoons and ~5 weeks of leave (annual + study).
Gross Income: $216,810
Net Income*: $127,090
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* After tax and HECs repayments have been deducted

FAQ

What is the difference between Gross and Net?

Gross pay is your total earnings before anything is taken out (base pay + penalties + overtime + allowances). Net pay (take-home) is what you actually receive after deductions like tax and HECS/HELP withholding.

How is HECS/HELP calculated?

From the 2025–26 income year, compulsory HECS/HELP repayments use marginal rates — meaning you only pay the higher rate on the part of your income above each threshold.

  • $0 – $67,000: Nil
  • $67,001 – $125,000: 15c for each $1 over $67,000
  • $125,001 – $179,285: $8,700 + 17c for each $1 over $125,000
  • $179,286 and over: 10% of your total repayment income
How do I increase my income?

The biggest levers for junior doctor pay are:

  • Roster mix: more nights/weekends/public holidays usually increases penalties.
  • Overtime: paid at higher rates (but comes with fatigue risk).
  • Allowances: if your role attracts them (on-call/call-back, specific units/sites).
  • Salary packaging: can improve take-home without changing hours (if eligible).
  • Progression: moving up levels (intern → RMO → registrar) increases base rates over time.
What is salary packaging?

Normally: you get paid → tax gets taken out → you spend what’s left. Salary packaging lets you use some of your pay before tax for approved expenses, so less of your income is taxed. It’s not “free money” — it’s a tax benefit available to many healthcare workers because of special rules.

How much can you salary package?

Typical caps (varies by employer/provider):

  • Living expenses cap: about $9,010 per FBT year (FBT year runs 1 April to 31 March)
  • Meal entertainment cap: up to $2,650 per FBT year (often via a meal/entertainment card)

A common “headline” maximum is ~$11,660 per FBT year packaged if you’re eligible for both and your employer allows both.

Sources and disclaimer

Estimates only; confirm with the state/territory award/EBA and your employer’s HR/payroll.