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Salary sacrifice novated lease calculator ato: Convert your hourly rate to annual pay with casual loading and super
For a 38-hour week, annual gross pay equals hourly rate multiplied by 38 hours times 52 weeks, with casual loading and super added on top.
Convert your hourly rate to annual pay with the salary sacrifice novated lease calculator ato
Whether you are a permanent employee or a casual worker, understanding your annual pay from an hourly rate helps you budget, compare job offers, and plan for tax and super. This guide explains the conversion using a standard 38-hour week, includes the 25% casual loading, and shows how super is paid on top. We also touch on how the salary sacrifice novated lease calculator ato can help you estimate the impact of salary packaging on your take-home pay.
The basic formula: hourly × hours per week × 52
Annual gross pay (before tax and super) is calculated as:
Annual gross = hourly rate × hours per week × 52
This assumes you work the same number of hours every week, with no unpaid overtime, penalty rates, allowances, or salary sacrifice. For most full-time employees, the standard week is 38 hours. If you work a different pattern, adjust the hours per week accordingly. For example, a 20-hour part-time role uses 20 hours in the formula.
Fortnightly and weekly pay
Your fortnightly gross pay is simply your weekly pay times two. Weekly pay is hourly rate times hours per week. For a 38-hour week:
- Weekly gross = hourly rate × 38
- Fortnightly gross = hourly rate × 76
These figures are before tax, Medicare levy, and super. Use the the timesheet to enter your base rate and see these amounts instantly.
Casual loading of 25% and super paid on top
Casual employees receive a 25% loading on top of the base hourly rate. This loading compensates for not receiving paid leave. The loading is added to your ordinary earnings, and super is calculated on that total.
For example, if your base rate is $30.00 per hour:
- Casual loading (25%) = $7.50
- Casual rate = $37.50 per hour
- Annual gross (38 hours) = $37.50 × 38 × 52 = $74,100
- Super (12% of ordinary earnings) = $8,892, paid on top
Note that super is not deducted from your pay; it is an employer contribution. The maximum contribution base for super is $270,830 per year. If your ordinary earnings exceed that, super is only paid on the first $270,830.
National Minimum Wage and award rates
The Fair Work Commission sets the National Minimum Wage. From 1 July 2026, it is $26.44 per hour for permanent employees, or $1004.90 per week for 38 hours. Casual employees receive $33.05 per hour including the 25% loading. Many awards set higher minimum rates. Check your award or agreement for your correct base rate. The pay guides can help you find the right award.
Tax and Medicare levy
Resident tax rates for 2026–27 are:
- $0 – $18,200: nil
- $18,201 – $45,000: 15%
- $45,001 – $135,000: 30%
- $135,001 – $190,000: 37%
- $190,001+: 45%
Medicare levy is generally 2% of taxable income. The 2025–26 single reduction thresholds are used here because the 2026–27 thresholds were not confirmed. HELP, the Medicare levy surcharge, and salary packaging are not deducted in this estimate.
How the salary sacrifice novated lease calculator ato fits in
If you are considering salary sacrificing a car through a novated lease, the Australian Taxation Office (ATO) provides guidelines on how this affects your taxable income. The salary sacrifice novated lease calculator ato is a tool to estimate the impact on your take-home pay and tax. While our timesheet does not include salary sacrifice, you can use your annual gross figure from the conversion to input into the salary sacrifice novated lease calculator ato. This helps you see how much you could save on tax by sacrificing part of your pre-tax salary for lease payments, running costs, and fringe benefits tax.
Average weekly earnings for context
The Australian Bureau of Statistics (ABS) Average Weekly Earnings for May 2026 show full-time adult ordinary time earnings of $2083.70 per week. All employees total earnings (including part-time) average $1579.20 per week. These are averages, not medians for a specific job. Your pay may differ based on industry, experience, and location.
Super guarantee and maximum contribution base
Super guarantee is 12% of ordinary earnings, paid on top. Ordinary earnings include your base rate, casual loading, and any other ordinary time earnings. The maximum contribution base is $270,830 per year. If your annual ordinary earnings exceed this, super is only paid on the first $270,830. This limit applies per employer.
Using the timesheet for your conversion
The the timesheet is the home page of this site. Enter your base hourly rate. If you are a casual, tick the checkbox to add 25% loading. The calculator shows your gross annual, fortnightly, and weekly pay. It also estimates tax and super. Remember: super is paid on top, not deducted from your pay. The estimate assumes no salary sacrifice, no penalty rates, and no unpaid overtime.
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 detailed information, see the reference tables and super and packaging pages.
Open the same rate on the home timesheet. Read the reference tables before treating a figure as your pay.