VIC Doctor Pay Calculator (Intern–Registrar) | 2025–26
Estimate Victorian junior doctor pay (Intern → Registrar) for 2025–26. This is built for real rosters—plug in your after-hours and overtime to get a more realistic take-home estimate, and use the linked agreement sources below to confirm your exact classification.
Includes quick answers, worked examples, and links to sources.
* 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.