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AussieClinicians Pay and Finance for Australian Doctors & Nurses

Doctors Nurses

Take-home pay calculator Compare states Junior doctor salary (national)

NSW VIC QLD SA WA TAS NT ACT

By role & specialty

Salaries by specialty GP salary GP registrar pay Unaccredited registrar Specialist vs VMO Which state pays most

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Salary packaging Tax deductions HECS/HELP Rural incentives

Money & property

How much can you borrow?Home loans & LMI HECS & borrowing

Junior doctor take-home pay

Billings → take-home

GP billings Psychiatrist billings Anaesthetist billings Paediatrician billings Obstetrician billings

Other tools

Borrowing power (how much can you borrow?) Locum: PAYG vs ABN Salary packaging calculator HECS: your yearly repayment HECS: years to pay it off

Specialty explorer: all 48 pathways Training interview prep Intern applications Locum work Working overseas All guides A–Z

Getting into medicine

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In med school

How to study in med school

Start here: IMG pathways Expedited Specialist eligibility IMG registration cost IMG internship pathway PESCI explained Ahpra English requirements

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Calculators & tools

Take-home pay Borrowing power (how much can you borrow?) GP billings Psychiatrist billings Anaesthetist billings Paediatrician billings Obstetrician billings Locum pay calculator Salary packaging calculator HECS: your yearly repayment HECS: years to pay it off

Doctor pay & money

Doctor salary (national) Junior doctor salary (national) Compare states NSW doctor pay VIC doctor pay QLD doctor pay WA doctor pay Salaries by specialty Doctor home loans (LMI) HECS & borrowing power

Careers & training

Specialty explorer Training interview prep Intern applications Working overseas IMG pathways Med school matcher How to study in med school

Nurses

Nurse take-home pay Nurse salary (national) Nurse pay by state Penalty rates Salary packaging (nurses) HECS for nurses Nurse guides IQNM registration cost Home loans & LMI (doctors' guide)

AussieClinicians

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AussieClinicians is an independent pay, finance and careers resource for Australian doctors and nurses, built by Jacob Stretton (RN; final-year medical student). Estimates only: verify with your payslip, payroll, and the linked award/EBA + ATO sources. Not financial or tax advice.

Last updated: 5 August 2026