Clarity · this month
This month leftover
Why this matters. This month’s leftover is pay in, tax out, then the mortgage and living costs you type. Employer super is a cost of the wage. It is not cash sitting in the leftover.
One picture: take-home after tax and the student loan, super guarantee plus extra super, the mortgage, living costs. What is left. Prefill from the specialty table or the tax calculator.
Surplus this month
$822FY2026–27
Take-home $10,219 − housing $3,897 − living $5,500
This month
Take-home
$10,219
Housing
$3,897
Living
$5,500
Surplus
$822
Employer super $21,600, plus extra $10,000 you add, goes into super this year. After the 15% tax on the way in, the extra is $8,500. Share of pay you’re keeping, including super and extra off the loan: 23%.
What’s left can go into super (before tax, then after tax) or onto the loan. The jump from registrar to consultant is a separate page: when the pay jumps. This is the monthly gap, not a full budget.
Scheduled repayment
$3,897
Tax + levy (+HELP) / year
$47,370
Next: Income tax calculator — The full tax split: income tax, Medicare surcharge, HELP debt.
What doctors often miss
Super guarantee at 12% is an employer cost on the wage. It is not cash in this month’s leftover.
Included / Not included
Included
- ATO resident tax rates 2026–27 ↗ · 1 July 2026
- Low income tax offset, up to $700, nothing above $66,667 ↗ · 1 July 2026
- Medicare levy 2%, shade-in $28,011 to $35,013 for a single resident ↗ · latest singles table on the ATO page
- Super guarantee 12% where the row says super ↗ · 1 July 2026
Not included
- Bills you did not type
- HELP debt and the Medicare levy surcharge if you left them off
- Investment returns variation
- Inflation
- Insurance, stamp duty and brokerage, unless you typed them as bills
Assumptions you can edit are the inputs on this page. This is a model, not a prediction, a tax assessment, or a recommendation.
A rough figure — not advice. Terms
Also
Income · tax office 2023–24
Income by specialty
Not sure of the salary? Tax-office medians by specialty.
Spare cash · 2026–27
Where the next dollar goes
Where spare cash goes after this month.
Spare cash
Super, the loan, or the offset
Extra super versus extra on the mortgage.
Public hospital · 2026–27
Salary packaging
Public-hospital packaging changes take-home before this picture.
Home loan
Mortgage
What extra each month does to the years and the interest.
Spending · 21 Sep 2026
Credit cards
If the leftover is going on a $399 card, see what you actually keep.
Advertisement — labelled, never inside the number.