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Paediatric Surgery Training Pathway

How to become a paediatric surgeon in Australia — the RACS SET program run with ANZAPS, the fully published scoring system, and one of the smallest national intakes in the country.

The bottleneck is the size of the specialty, not a hidden rubric — RACS publishes exactly how you're scored. The problem is the numbers: about 11 accredited sites nationally and roughly 4–7 trainees appointed a year, with interviews at 4:1. To even interview you need the GSSE, set surgical terms and a 33/56 CV threshold; most successful applicants spend two-plus years as unaccredited registrars first.

Why paediatric surgery

Trainees are based at one of a small number of tertiary children's hospitals and rotate across the breadth of general paediatric surgery: neonatal surgery (gastroschisis, exomphalos, oesophageal atresia/TOF, congenital diaphragmatic hernia, NEC, intestinal atresia), the acute paediatric abdomen (appendicitis, intussusception, pyloric stenosis, malrotation), inguinoscrotal and day-case work (hernias, hydroceles, undescended testes, circumcisions), paediatric urology, thoracic and chest-wall conditions, oncology resections and vascular access. Days run ward rounds, theatre lists, clinics, neonatal-unit and ED consults, and antenatal counselling for known congenital anomalies. On-call is genuinely acute — neonatal emergencies and trauma don't wait — and Senior SET trainees take a leadership role running lists and supervising junior registrars. It's a hands-on, broad operative specialty with long-term continuity for chronic and congenital conditions.

Draws
  • Broad operative variety — neonatal, oncology, urology, thoracic and acute general surgery in one specialty rather than a single-organ niche
  • Genuine continuity and gratitude: you follow children with congenital and chronic conditions over years, and outcomes are often life-changing
  • Selection is transparent and points-based — RACS publishes the full structured CV scoresheet and the 75/25 interview/referee final score, so there's no secret rubric to second-guess
  • Strong, collegial small community (ANZAPS) and high-acuity tertiary practice that keeps the work intellectually demanding
Trade-offs
  • Tiny number of training posts and consultant jobs — among the most supply-constrained surgical careers in the country; expect to relocate
  • Long, uncertain runway: most get on only after years of unaccredited paediatric/general-surgery registrar time, with no guarantee of an offer in any given cycle
  • Earnings sit below most other surgical subspecialties — the work is overwhelmingly public/salaried with limited private billing, and the ATO reports surgeons only as one combined group (so there is no separate paediatric-surgeon ATO income figure to point to)
  • Heavy acute neonatal on-call, and the emotional weight of operating on sick newborns, premature babies and children with cancer

Subspecialties

Neonatal surgeryPaediatric urologyPaediatric surgical oncologyThoracic and chest-wall surgery (non-cardiac)Hepatobiliary and gastrointestinal paediatric surgeryColorectal / anorectal and pelvic malformationsMinimally invasive (laparoscopic/thoracoscopic) paediatric surgeryFetal / antenatal surgical counselling and management

The training pathway

The same fellowship, two very different timelines. The fast route assumes everything goes right; most people land on the realistic one.

Fastest route
About 9 years from internship to FRACS (Paediatric Surgery)
Structural floor only — assumes you pass the GSSE early, secure a paediatric surgical term and 12 months of surgical experience quickly, get onto SET at the first serious attempt, and pass every exam first time. Very few people actually move this fast.
Internship (PGY1)
1 yr
General registration with AHPRA. Med-school entry is out of scope here — this pathway starts at internship.
Resident / surgical RMO + pass the GSSE
1 yr
PGY2. Get into surgically-aligned terms and sit the Generic Surgical Sciences Exam — it must be passed before you can apply for SET.
Unaccredited paediatric-surgery / surgical registrar
1 yr
Bank the mandatory ≥10-week full-time paediatric surgical term and ≥12 months (52 weeks) registrar-level surgical experience, get procedures signed off, and build a CV above the 33/56 threshold.
SET selection (national, via RACS/ANZAPS)
One national intake a year. Structured CV gate (33/56), referee reports (min 80%), then Multiple Mini-Interview (min 80%). Final rank = 75% interview + 25% referees.
Early SET (SET 1–2)
~2 yrs
First year is a provisional/calibration year. Pass the Paediatric Anatomy & Embryology (PAE) exam to progress to Mid SET.
Mid SET
~1.5 yrs
Core general and neonatal paediatric surgery. Pass the Paediatric Pathophysiology (PPE) exam to progress to Senior SET. (RACS specifies Mid+Senior together as ~4 years; the split here is indicative.)
Senior SET + Fellowship Exam
~2.5 yrs
Mastery of complex and neonatal surgery, subspecialty exposure, leadership. Pass the RACS Fellowship Examination → FRACS (Paediatric Surgery).
Realistic route
Commonly 11–14+ years from internship to a consultant post
What it usually looks like: multiple years of unaccredited time before an offer, often more than one selection attempt, and a post-Fellowship subspecialty fellowship (frequently interstate or overseas) before landing a scarce consultant job.
Internship + residency
2 yrs
PGY1–2. Build surgical exposure and references.
GSSE + early unaccredited surgical time
1–2 yrs
Pass the GSSE and start accumulating general-surgery / paediatric-surgery registrar terms.
Unaccredited paediatric-surgery registrar (often repeated)
2–3 yrs
The real bottleneck. Most successful applicants do two or more years here, maximising CV points (publications, higher degree, paediatric terms) and often re-applying after an unsuccessful cycle.
Onto SET → Early/Mid/Senior SET (6 yrs)
6 yrs
The full sequential 6-year program with the PAE, PPE and Fellowship exams as gates.
Post-Fellowship subspecialty fellowship
1–2 yrs
Common (and often expected) in neonatal, urology, oncology or MIS — frequently interstate or overseas — to be competitive for the very small number of consultant posts.

How competitive is it?

This is one of the most supply-constrained surgical careers in Australia. The national SET intake is tiny — 7 offers for the 2026 intake, 6 for 2025, 4 each for the 2024 and 2023 intakes (figures include deferrals) — and accredited training sits at only around eleven hospital sites nationwide. RACS does not publish a national applicant-to-offer percentage, but it does schedule interviews at a published 4:1 ratio (four applicants per accredited post), and a large applicant pool competing for single-digit offers each cycle makes the real odds low. The flip side, unusual among RACS and RACP subspecialties, is transparency: the full structured CV scoresheet (scored out of 56, with a 33/56 minimum to progress), the referee-report minimum (80%), the interview minimum (80%) and the final Total Selection Score formula (75% interview + 25% referee report) are all published, so you can see exactly what is rewarded.

Unaccredited time: Effectively yes — not a formal rule, but in practice nearly everyone does 2+ years of unaccredited paediatric-surgery / general-surgery registrar time before being competitive, on top of the mandatory ≥10-week paediatric surgical term and ≥12 months (52 weeks) registrar-level surgical experience required just to be eligible.

Sources: RACS — Paediatric Surgery selection (offers appointed by intake year), RACS — Paediatric Surgery Selection Regulations (eligibility, CV gate 33/56, 4:1 interview ratio, 75/25 selection score), RACS — Accredited Paediatric Surgery hospital posts, Jobs and Skills Australia — Paediatric Surgeons (ANZSCO 253516): 130 employed, median age 41.

Selection criteria & how to apply

Selection into Paediatric Surgery SET is run nationally by RACS (with ANZAPS as its agent) — there is a single annual intake and a single process across Australia and Aotearoa New Zealand, not a state-by-state selection. Crucially for this specialty, the scoring is explicitly published. You must first clear hard eligibility gates (citizenship/PR; GSSE passed; ≥10-week full-time paediatric surgical term; ≥12 months / 52 weeks registrar-level surgical experience; a fully verified Procedural Skills & Professional Capabilities form; and a completed Structured CV scoresheet). Eligible applicants are scored on a Structured CV out of 56 — you must reach at least 33/56 to progress, and that CV score is a gate, not part of the final ranking. Those who pass go to confidential Referee Reports (three valid reports, at least one from a paediatric surgical consultant; minimum 80% to progress), then a Multiple Mini-Interview (minimum 80%). The Total Selection Score that ranks applicants for offers is 75% interview + 25% referee report.

Structured CV — Surgical and Medical Experience27 of 56 CV points (gate)
The biggest CV block. Accredited SET-trainee terms in another specialty score highest (9 pts per 6 months, max 27); unaccredited paediatric-surgery and unaccredited general-surgery terms each score 6 pts per 6 months (max 12 each); paediatric medicine/PICU/NICU registrar terms (6 pts per 6 months, max 6) and RMO paediatric terms (3 pts per 10–12 weeks, max 6) score lower. Drives why people do multiple unaccredited years.
Structured CV — Qualifications12 of 56 CV points (gate)
Higher degrees in a relevant field: PhD 9 pts, Master's/MPhil 6 pts, Graduate Diploma 3 pts (FRACS scores 12). Only the two highest-scoring qualifications count.
Structured CV — Publications and Presentations8 of 56 CV points (gate)
First/second-author article or first-author book chapter 4 pts; peer-reviewed scientific presentation 3 pts (dropping to 2 pts from the 2028 intake); lesser authorship/case report/poster 1–2 pts. Only the two highest-scoring items count.
Structured CV — Skills Courses3 of 56 CV points (gate)
Recognised surgical short courses score 1 pt each, max 3. The named courses are APLS, ASSET, CCrISP, CLEAR, EMSB, PCM and TIPS, plus EMST/ATLS within its 4-year validity window.
Structured CV — Rurality3 of 56 CV points (gate)
Up to 3 pts: 1 pt for ≥12 months at a rural clinical school, 1 pt for long-term rural origin/residency before medical school, and 1 pt for ≥6 continuous months in a rural/regional surgical post (Modified Monash / Geographic Classification for Health defined).
Structured CV — Indigeneity3 of 56 CV points (gate)
3 pts for identifying as Aboriginal, Torres Strait Islander and/or Māori with AIDA membership or iwi/Te Ora evidence; a separate Aboriginal and Torres Strait Islander Selection Initiative also operates (one post expected for the 2027 intake).
Referee Reports25% of final score
Three valid confidential reports (at least one from a paediatric surgical consultant), scored against the RACS competencies; minimum 80% to progress, and contributes 25% of the Total Selection Score that ranks applicants. Shortlisting for interview is done on the referee score.
Multiple Mini-Interview (MMI)75% of final score
Structured multi-station interview (panels of two assessors, candidate rotating between stations) assessing non-technical professional skills against the RACS competencies; minimum 80% to be selectable, and the dominant 75% of the Total Selection Score.

Key documents: RACS — Paediatric Surgery Selection Regulations (full rules, eligibility, scoring), RACS — Paediatric Surgery Structured CV Scoresheet (point values by category), RACS — Paediatric Surgery selection page (eligibility + key dates), RACS — Generic eligibility requirements for SET selection.

Where you train: the accredited children's hospitals

Selection is national and centralised through RACS — you don't apply 'to a state' the way prevocational JMOs do. But accreditation and your eventual employment sit with specific tertiary hospitals and the state health services that run them, and the state you can train in is dictated almost entirely by where the few accredited posts are. The breakdown below is which hospitals hold accredited Paediatric Surgery SET posts in each state and territory, plus the relevant state recruitment context for the prevocational and unaccredited years you'll need first. (NT has no accredited posts; Tasmania's Royal Hobart Hospital is not currently accredited.)
NSW Three accredited hospitals. A 2015 NSW Health factsheet recorded a NSW paediatric-surgery workforce of 33 (headcount) and 9 advanced trainees a year (2015–2017), representing about a third (32.1% in 2017) of Australia's paediatric-surgery trainees; its workforce planning to 2030 projected that all demand scenarios could be met with no additional fellows and hence no growth in trainees.

Who runs selection: Three accredited hospitals: The Children's Hospital at Westmead (1 Early SET, 4 Mid–Senior posts), Sydney Children's Hospital Randwick (1 Early SET, 2 Mid–Senior), and John Hunter Children's Hospital in Newcastle (1 Early SET, 2 Mid SET). NSW has historically been the largest single training base.

Where to apply: NSW Health JMO Recruitment (for the prevocational/unaccredited years; SET selection itself is national via RACS) — application portal.

Positions: Three accredited hospitals. A 2015 NSW Health factsheet recorded a NSW paediatric-surgery workforce of 33 (headcount) and 9 advanced trainees a year (2015–2017), representing about a third (32.1% in 2017) of Australia's paediatric-surgery trainees; its workforce planning to 2030 projected that all demand scenarios could be met with no additional fellows and hence no growth in trainees.

Worth knowing: The deepest pool of posts and the only state with a third, regional accredited site (John Hunter). Unaccredited paediatric-surgery registrar jobs at these hospitals are the usual stepping stone and are recruited through local hospital/JMO processes, not RACS.

Links: RACS — Accredited Paediatric Surgery hospital posts (NSW listed), NSW Health — Paediatric Surgery medical-workforce factsheet (2015 data), NSW Health — JMO recruitment.

VIC

Who runs selection: Two accredited sites: The Royal Children's Hospital Melbourne (1 Early SET, 4 Mid–Senior posts) and Monash Health (Monash Children's, 1 Early–Mid and 1 Early–Senior post). RCH is one of the largest paediatric surgical centres in the country.

Where to apply: Victoria's prevocational placements run through PMCV; SET selection is national via RACS — application portal.

Positions: Two accredited hospitals (RCH Melbourne and Monash). Per-state SET offer numbers are not published — selection is national.

Worth knowing: RCH is a high-volume neonatal and oncology centre; Monash adds a second pathway in the south-east. Intern/resident matching is via PMCV, but unaccredited paediatric-surgery registrar roles and SET selection sit outside the PMCV match.

Links: RACS — Accredited Paediatric Surgery hospital posts (VIC listed), PMCV — Postgraduate Medical Council of Victoria.

QLD

Who runs selection: Queensland Children's Hospital in Brisbane is the hub (4 Early–Mid–Senior posts), with smaller accredited exposure at Gold Coast University Hospital (1 Early–Mid) and Townsville Hospital (1 Early–Mid).

Where to apply: Queensland Health medical careers (prevocational/RMO and unaccredited roles); SET selection is national via RACS — application portal.

Positions: Three accredited hospitals, anchored by Queensland Children's Hospital. Per-state SET offer numbers are not published.

Worth knowing: Unusually for this specialty, Queensland has two non-metropolitan-tertiary accredited footholds (Gold Coast and Townsville) feeding into the Brisbane centre, giving some regional training exposure alongside the QCH hub.

Links: RACS — Accredited Paediatric Surgery hospital posts (QLD listed), Queensland Health — Paediatric Surgery medical career profile.

SA

Who runs selection: The Women's and Children's Hospital, Adelaide is the sole accredited site (1 Early–Mid and 1 Early–Senior post).

Where to apply: SA Health careers (prevocational/unaccredited); SET selection is national via RACS — application portal.

Positions: One accredited hospital (WCH Adelaide). Per-state SET offer numbers are not published.

Worth knowing: A single-centre state — training is concentrated at WCH, so posts are few and turnover-dependent. The new Women's and Children's Hospital build will continue to be the home of the program.

Links: RACS — Accredited Paediatric Surgery hospital posts (SA listed), SA Health — careers.

WA

Who runs selection: Perth Children's Hospital is the sole accredited site (2 Early–Mid and 1 Mid–Senior post).

Where to apply: WA Health / PMCWA for prevocational years; SET selection is national via RACS — application portal.

Positions: One accredited hospital (Perth Children's Hospital). Per-state SET offer numbers are not published.

Worth knowing: WA's geographic isolation means almost all state paediatric surgery is delivered from PCH, so it both trains and absorbs a small, self-contained cohort. Unaccredited registrar time at PCH is the local route in.

Links: RACS — Accredited Paediatric Surgery hospital posts (WA listed), PMCWA — Paediatrics / paediatric surgery career information.

TAS None — no accredited paediatric-surgery training posts in Tasmania. Trainees must go interstate to a children's hospital.

Who runs selection: No currently accredited Paediatric Surgery SET posts — the Royal Hobart Hospital is listed as not currently accredited for this specialty.

Where to apply: Tasmanian Department of Health — medical careers (general medical training only) — application portal.

Positions: None — no accredited paediatric-surgery training posts in Tasmania. Trainees must go interstate to a children's hospital.

Worth knowing: Tasmania has no standalone tertiary children's hospital, so complex paediatric surgery and all SET training happen on the mainland. Tasmanians pursuing this specialty train interstate.

Links: RACS — Accredited Paediatric Surgery hospital posts (Royal Hobart not currently accredited), Tasmanian Department of Health — medical careers.

ACT

Who runs selection: The Canberra Hospital holds a single accredited Early–Mid SET post.

Where to apply: ACT Health — medical officer recruitment (prevocational/unaccredited); SET selection is national via RACS — application portal.

Positions: One accredited hospital (Canberra Hospital), a single Early–Mid post. Per-state SET offer numbers are not published.

Worth knowing: An early-rotation foothold only — there is no senior-SET pathway in the ACT, so trainees who start or rotate here move to a larger children's hospital interstate to complete Mid/Senior SET.

Links: RACS — Accredited Paediatric Surgery hospital posts (ACT listed), ACT Health — medical officers.

NT None — no accredited paediatric-surgery training posts. Complex paediatric surgical care and training occur interstate.

Who runs selection: No accredited Paediatric Surgery SET posts in the Northern Territory.

Where to apply: NT Health — careers (general medical training only) — application portal.

Positions: None — no accredited paediatric-surgery training posts. Complex paediatric surgical care and training occur interstate.

Worth knowing: The NT has no accredited site, so paediatric surgical training is done entirely on the mainland tertiary network; NT doctors pursuing the specialty train interstate.

Links: RACS — Accredited Paediatric Surgery hospital posts (no NT site), NT Health — careers.

How to optimise your application

The honest read: Unusually for an Australasian training program, you are not optimising against a hidden rubric — RACS publishes everything. That changes the strategy: get eligibility nailed early (GSSE, paediatric term, 12 months surgical experience, every procedure signed off), clear the 33/56 CV threshold comfortably so you're not knocked out on a technicality, and then recognise that the actual ranking is won at interview (75%) and on referees (25%) — not on stacking CV points beyond the gate. Because the intake is tiny, geographic flexibility and persistence across cycles matter as much as any single lever.
  • Pass the GSSE early (tied to Eligibility (hard gate), start PGY2 or as soon as you're committed) — You cannot apply for SET until the GSSE is passed. Sitting it early frees later years to accumulate the paediatric and surgical experience that actually counts, and removes the most common reason eligible-looking applicants get ruled out.
  • Bank verified paediatric-surgery and registrar-level surgical time (tied to Structured CV — Surgical and Medical Experience (27 pts) + eligibility, start PGY2–3 onward) — Secure the mandatory ≥10-week full-time paediatric surgical term and ≥12 months (52 weeks) registrar-level surgical experience, then keep going: unaccredited paediatric-surgery and general-surgery registrar terms score 6 pts per 6 months. This is both an eligibility requirement and the largest CV block.
  • Treat the 33/56 CV score as a floor to clear, not a peak to chase (tied to Structured CV gate (min 33/56), start Before each application) — Add a higher degree (Master's 6 / PhD 9) and a couple of genuine first/second-author publications to get clear of the threshold — but don't assume more CV points win you a place. Past the gate, the CV does not feed the final ranking (it is only a tie-breaker), so don't sacrifice interview prep to chase marginal CV points.
  • Invest hard in MMI and referee performance (tied to Total Selection Score (75% interview + 25% referees), start 6–12 months pre-application) — This is where offers are actually decided. Practise structured multi-station interviews against the RACS competencies, and cultivate referees who have directly supervised your operating — at least one must be a paediatric surgical consultant, and reports need ≥80%.
  • Be geographically flexible and prepared to re-apply (tied to Scarcity of posts, start Throughout) — With ~eleven accredited sites and single-digit national offers, willingness to move states (and later to do an interstate/overseas subspecialty fellowship) materially widens your chances. There is no cap on attempts for applicants who reach the minimum standard but miss out on ranking, and many successful trainees were appointed on a second or later attempt.

Key documents & official links

FAQ

How many years is paediatric surgery training in Australia?
The RACS SET program in Paediatric Surgery is a 6-year sequential program — Early SET (usually about 2 years, with the first year provisional), then Mid and Senior SET (about 4 years combined). But that's only the on-program time: before you get on, you'll have done internship, residency and — for almost everyone — two or more years of unaccredited paediatric-surgery/general-surgery registrar work. Counting that, internship-to-FRACS realistically runs 11–14+ years.
Is paediatric surgery hard to get into?
Yes — it's one of the most competitive surgical pathways, mainly because of scale. Accredited training exists at only around eleven hospital sites nationally, and the whole country appoints roughly 4–7 SET trainees a year (7 for 2026, 6 for 2025, 4 each in 2024 and 2023). RACS doesn't publish a national applicant-to-offer percentage, though it does interview at a 4:1 ratio (four applicants per post); with a large field chasing single-digit offers the real odds per cycle are low. The upside is that the scoring is fully published, so you know exactly what you're being judged on.
What exams do I have to pass?
Four. The Generic Surgical Sciences Exam (GSSE) must be passed before you can even apply for SET. On-program you sit the Paediatric Anatomy & Embryology (PAE) exam to move from Early to Mid SET, the Paediatric Pathophysiology (PPE) exam to move from Mid to Senior SET, and finally the RACS Fellowship Examination in Senior SET to be awarded FRACS (Paediatric Surgery).
Do I need to do unaccredited years first?
In practice, almost always. It's not a formal rule, but to be eligible you must already have a ≥10-week full-time paediatric surgical term and ≥12 months (52 weeks) of registrar-level surgical experience, with every listed procedure signed off — and to be competitive you generally need a strong structured CV (which rewards unaccredited paediatric-surgery and general-surgery registrar terms). Most successful applicants have done two or more unaccredited years, often re-applying after an unsuccessful cycle.
How does selection actually work, and is it points-based?
It's genuinely points-based and published. After eligibility checks, your Structured CV is scored out of 56 and you must reach at least 33/56 to progress — but that CV score is only a gate, it doesn't feed the final ranking (it's used only as a tie-breaker). You then need a minimum 80% on confidential referee reports (three reports, at least one from a paediatric surgical consultant) and a minimum 80% at the Multiple Mini-Interview. The Total Selection Score that ranks you for an offer is 75% interview + 25% referee report. So past the CV threshold, interview performance is what wins the job.
Can I train in any state?
Only where there are accredited posts. NSW (Westmead, Randwick, John Hunter), Victoria (RCH Melbourne, Monash), Queensland (Queensland Children's, plus Gold Coast and Townsville), SA (WCH Adelaide), WA (Perth Children's) and the ACT (Canberra, early rotation only) hold accredited posts. Tasmania's Royal Hobart Hospital is not currently accredited, and the NT has none — doctors from those jurisdictions train interstate. Because posts are so few, geographic flexibility is close to essential.
What do paediatric surgeons earn in Australia?
Less than most other surgical subspecialties, though it's hard to put an exact number on it. The ATO reports doctor incomes by broad occupation and lumps all surgeons into a single 'Surgeons' category (average around $460,000 in the ATO's 2021–22 data, ~$472,000 in 2022–23) — it does not publish a separate taxable-income figure for paediatric surgeons. So there's no official paediatric-surgeon income line to quote; what's reliable is the qualitative picture — the work is overwhelmingly public/salaried with limited private billing, which is why paediatric surgeons generally sit below the high private-billing subspecialties like neurosurgery, orthopaedics and urology. Treat any single dollar figure for this specialty with caution.
How do overseas-trained paediatric surgeons get recognised?
Through the RACS Specialist International Medical Graduate (SIMG) pathway, not SET. You apply to RACS for an assessment of comparability to an Australian-trained paediatric surgeon; RACS assesses (paper review plus interview) and the Medical Board of Australia makes the registration decision. You may be found comparable, partially comparable (requiring top-up training, supervision and/or exams), or not comparable, and there's an Area of Need stream for specific hospital posts. Because there are so few paediatric-surgery posts nationally, SIMG opportunities are limited.

Trained overseas? (IMG pathway)

How overseas-trained paediatric surgery doctors get recognised

Overseas-trained paediatric surgeons enter through the RACS Specialist International Medical Graduate (SIMG) pathway, not SET. You apply to RACS for an assessment of whether your qualifications and experience are comparable to an Australian-trained paediatric surgeon. RACS assesses, the Medical Board of Australia makes the registration decision, and depending on the outcome you may be assessed as comparable, partially comparable (requiring a period of top-up training, oversight and/or exams), or not comparable. There is also an Area of Need stream for filling specific hospital posts. Given how few paediatric-surgery posts exist nationally, available SIMG positions are limited.

See the RACS — Specialist Pathway for SIMGs in Australia and our IMG internship guide.

Last reviewed 2026-06-01.

AussieClinicians is an independent Australian pay calculator 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.