Hours · FY2026–27

Full-time dial

Why this matters. Working fewer days changes take-home, but not in a straight line, because tax brackets do not shrink with the roster. The dial shows the fraction of the wage you type. Penalty rates for the days you still work are not inside that fraction.

Slide the fraction of a full-time year. The headline is take-home at that fraction. It is not a roster, and it is not a reason to drop a day.

Take-home at 0.8

$144,360FY2026–27

About $91 an hour after tax, on a 38 × 52.18 ordinary-hour year.

Hospital slice: $200,000
Private or locum slice: $0
Tax, levy and HELP debt: $59,870
Employer-style super, 12%: $24,000
Packaging, on the hospital slice: $4,230 in this sketch
Extra tax over $250,000: Income plus super is under the line
Hours back, per $1,000 of take-home given up: 15.0 hours

Giving up the rest of full-time drops take-home by $26,500 and gives back about 397 ordinary hours. Packaging is the NSW hospital sketch with $9,000 of living expenses. Open the packaging page before you treat that dollar as yours. Super cap and the $250,000 line are FY2026–27, verified with the tax tools on 1 July 2026.

Next: Income tax calculator — The same wage, with the full tax split.

What doctors often miss

Take-home scales with the fraction you set. Penalty rates on the days you work are not in that fraction.

Included / Not included

Included

The full-time pay you type, scaled by the fraction you set · Example assumption, editable
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

Not included

Penalty rates on the days you do work
Accruing long-service leave differences
HELP debt if you left it off
Fees, insurance, stamp duty, brokerage and inflation

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

Take-home at 0.8

$144,360

Also

Rates · 2026–27

Locum or salary

What one extra shift is worth across a year of gaps.

Public hospital · 2026–27

Salary packaging

Packaging on the salaried slice, in more detail.

This month

Doctor budget

Whether the lower take-home still covers the month.

Advertisement — labelled, never inside the number.

Sources used

Direct document for each published figure on this page. A number you type, with no row here, is an example assumption, editable. It is not a published rate.

ATO resident tax rates FY2026–27; super guarantee 12% and the $250,000 Division 293 line; ordinary hours 38 × 52.18 from the award hourly method · FY2026–27

Take-home at a fraction of a typed full-time wage, employer-style super, and whether income plus super crosses the Division 293 line

ATO — tax rates Australian residents; ITAA 1997 s25-130 · 1 July 2026 (FY2026–27)

Resident income-tax brackets, 2% Medicare levy, $1,000 standard labour deduction (s25-130)

ATO super contributions and Division 293 · 1 July 2026

SG 12%, concessional cap $32,500, max contribution base $270,830, Div 293 $250,000, NCC $130,000, bring-forward $390,000 if total super was under $1.84m on 30 June 2026, general transfer balance cap $2.1m

ATO — how Division 296 tax is calculated · 1 July 2026

LSBT $3m extra 15% on the attributable share of relevant super earnings; VLSBT $10m a further 10%. CPI steps $150,000 and $500,000. First income year 2026–27.