AusTaxTools Pay
Side-by-side pay scenarios Contractor vs Employee ABN income vs employee equivalent Salary Sacrifice Trade current cash for concessional super HELP Repayment Impact of compulsory repayments Bonus Year Base year vs bonus year Hourly to Annual Normalise hourly rate to annual take-home
Guides and methodology Contractor vs Employee What actually changes your pay Salary Sacrifice How it affects take-home HELP Repayment The new marginal system Methodology Calculation boundaries and assumptions
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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.

Compare Contractor vs EmployeeSalary SacrificeHELP RepaymentBonus YearHourly to Annual
Learn Contractor vs EmployeeSalary SacrificeHELP RepaymentMethodology
Single calculators Pay CalculatorHELP CalculatorSalary Sacrifice CalculatorContractor Calculator

AusTaxTools Pay is a scenario comparison tool for Australian pay decisions. Informational only, not personal tax advice.