How do I convert my hourly rate to annual pay?

Multiply your hourly rate by the number of hours you work each week, then by 52 weeks. For a standard full-time role of 38 hours, the formula is hourly × 38 × 52. For example, at the National Minimum Wage of $26.44 per hour, annual pay is $26.44 × 38 × 52 = $52,245.44. This is before tax and super. Super is paid on top at 12% of ordinary earnings.

Does the salary calculator NSW include casual loading?

Yes, you can add 25% casual loading on top of your base hourly rate. For the National Minimum Wage, the casual rate is $33.05 per hour ($26.44 + 25%). Do not enter a rate that already includes casual loading; use the checkbox in the timesheet to apply it. Casual loading is common under award rates and is paid instead of paid leave entitlements.

Salary Calculator NSW: Convert Your Hourly Rate to Annual Pay

Q: What tax brackets apply in 2026–27 for NSW residents?

For 2026–27, the resident tax rates are: nil on income up to $18,200; 15% from $18,201 to $45,000; 30% from $45,001 to $135,000; 37% from $135,001 to $190,000; and 45% above $190,000. Medicare levy is generally 2% of taxable income, with reductions for low-income earners. The calculator uses these rates and the full tax-free threshold, but does not deduct HELP, Medicare levy surcharge, or salary packaging.

Based on a 38-hour week, annual pay is hourly rate × 38 × 52, with super paid on top at 12%.

How the Salary Calculator NSW Works

If you have an hourly rate or a salary offer, the timesheet on this site converts it to annual, fortnightly, and weekly figures. The key formula is simple: annual gross pay = hourly rate × hours per week × 52 weeks. For most full-time roles, we assume a standard 38-hour week, as set by the Fair Work Commission for the National Minimum Wage. You can adjust the hours if your agreement differs.

Annual, Fortnightly and Weekly Pay

Once you have the annual figure, divide by 26 to get fortnightly pay (every two weeks) or by 52 for weekly pay. For example, at the National Minimum Wage of $26.44 per hour:

Weekly (38 hours): $26.44 × 38 = $1,004.90
Fortnightly: $1,004.90 × 2 = $2,009.80
Annual: $1,004.90 × 52 = $52,245.44

This matches the Fair Work Ombudsman’s published weekly rate. The same logic applies to any hourly rate you enter.

National Minimum Wage vs Award Rates

The National Minimum Wage from 1 July 2026 is $26.44 per hour, or $1,004.90 per week for 38 hours. Casual employees receive an extra 25% loading, making it $33.05 per hour. However, many industries have award rates that are higher than the minimum. For example, the pay guides on this site list minimum rates for specific awards. If you are covered by an award, your base rate may be above the National Minimum Wage. The calculator does not automatically apply award rates—you need to enter your actual base hourly rate.

Superannuation Is Paid on Top

Super guarantee is 12% of your ordinary earnings, paid by your employer on top of your gross pay. It does not come out of your hourly rate. For the National Minimum Wage example, the employer would contribute an extra $6,269.45 per year (12% of $52,245.44), up to the maximum contribution base of $270,830. The super and packaging page explains how salary sacrifice can affect this.

Tax and Take-Home Pay

The calculator estimates tax using the 2026–27 resident rates:

Nil on the first $18,200
15% on income from $18,201 to $45,000
30% on income from $45,001 to $135,000
37% on income from $135,001 to $190,000
45% on income above $190,000

Medicare levy is generally 2% of taxable income, with reductions for singles earning below about $24,276 (based on 2025–26 thresholds, as 2026–27 thresholds were not confirmed). The take-home pay page shows how these deductions affect your net pay. Note that HELP repayments, the Medicare levy surcharge, and salary packaging are not included.

NSW Average Earnings for Context

According to the Australian Bureau of Statistics (ABS) Average Weekly Earnings for May 2026, full-time adult ordinary time earnings in New South Wales were $2,108.80 per week. That is an average for all full-time employees in NSW, not the median for any specific job. The national full-time average was $2,083.70 per week. These figures help you see where your rate sits relative to the broader workforce, but they are not a substitute for your own award or agreement.

Using the Salary Calculator NSW

To get started, go to the timesheet and enter your base hourly rate. If you are a casual employee, tick the box to add 25% casual loading—do not enter a rate that already includes loading. The calculator will show your annual, fortnightly, and weekly gross pay, plus estimated tax and super. You can also compare your rate to the National Minimum Wage or the NSW average using the reference tables.

Important Disclaimer

Annual pay here is hourly rate × hours per week × 52. It assumes the same rate every week, no unpaid overtime, no penalty rates, no allowances, and no salary sacrifice. Super is estimated at 12% of ordinary earnings only, paid on top, and stops at the $270,830 maximum contribution base. Tax is the 2026–27 resident scale with the full tax-free threshold. Medicare uses the 2025–26 single reduction thresholds because the 2026–27 reduction thresholds were not confirmed here. HELP, the Medicare levy surcharge, and salary packaging are not deducted. This is an estimate, not a determination of your pay or tax.

For more details on specific topics, see the minimum wage page, casual loading, or hourly conversion.