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Pay guides
Each guide breaks down a common Australian pay decision in plain language. We explain the tax rules, show where the money goes, and link directly to side-by-side comparisons so you can model your own numbers.
Contractor vs Employee
What actually changes your pay when you switch from PAYG to ABN — GST, super, deductions, and hidden costs.
Salary Sacrifice
How trading pre-tax salary into super affects your take-home pay, tax bracket, HELP repayments, and Medicare levy surcharge.
HELP Repayment
The new 2025-26 marginal repayment system explained — thresholds, rate tiers, payroll impact, and voluntary repayments.
For calculation details, see our methodology page.