Estimate junior doctor take-home pay with overtime, penalties, HECS and salary packaging. Uses 2026–27 tax, Medicare and HECS settings with each state's current award rates. Estimate doctor take-home pay with overtime, penalties, HECS and packaging (2026–27 tax settings).

By Jacob Stretton — RN & final-year medical student · figures sourced from the public EBAs & the ATO · About & methodology →

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)

Tax & Deductions

Tax deductions

Work-Related Deductions ($)

Net Investment Loss ($)

HECS / HELP

HECS/HELP Repayment

Estimated HECS repayment: $0

Study allowance

Study allowance: $1,150 / year

Results

Gross annual

Net annual

Gross / fortnight

Net / fortnight

Savings

Annual Income

$88,485

Fortnightly Income

$3,403

Savings

State ComparisonComparison Difference

* After tax and Medicare levy.

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Assumptions & sources

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

Junior Doctor Salary Calculator Australia (Intern, Resident & Registrar) | 2026–27