Family costs
When the pay jumps
Why this matters. A higher salary does not arrive as the same increase in the bank. Tax takes a slice first. This page holds the old spending against the new wage so the gap is visible.
What’s left as a registrar, and what’s left in the first consultant year, after the new mortgage, childcare, indemnity, college and rooms. A bigger wage is not the same as more left over.
Left over goes from $60,000 to $94,000. That’s 50% of take-home, then 43%. Same month in more detail on this month leftover and the doctor budget.
Next: What's left this month — One month, with the loan and the take-home.
What doctors often miss
A higher wage is taxed at the resident rates from 1 July 2026 before it becomes take-home. The leftover is what remains after the spending you type.
Included / Not included
Included
- The two wage and tax sketches you type, one held still and one stepped up · Example assumption, editable
Not included
- A forecast of award increases
- Inflation as a promise
- HELP indexation
- Fees, insurance, stamp duty and brokerage
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
Advertisement — labelled, never inside the number.