Salary Sacrificing Super: How to Convert Hourly to Annual Pay in Australia

How to Convert Your Hourly Rate to Annual Pay

To estimate your annual gross pay, multiply your hourly rate by the number of hours you work each week, then multiply by 52 weeks. For a standard full-time role, we assume a 38-hour week. That gives you:

Annual gross = hourly rate × 38 × 52

For example, at the National Minimum Wage of $26.44 per hour, the annual gross is $26.44 × 38 × 52 = $52,245.44. If you work fewer or more hours, adjust the weekly hours accordingly. Our the timesheet lets you enter your exact hours and rate.

The National Minimum Wage and Award Rates

The Fair Work Ombudsman sets the National Minimum Wage, which from 1 July 2026 is $26.44 per hour, or $1,004.90 per week for 38 hours. Many employees are covered by awards or enterprise agreements that specify higher minimum rates. Always check your applicable award – you can find pay guides on our pay guides page.

Casual employees receive a 25% loading on top of the base rate. For the minimum wage, that’s $33.05 per hour. Our timesheet has a checkbox to add casual loading – do not type a rate that already includes loading; the tool applies it automatically.

Fortnightly and Weekly Pay

If you are paid weekly, your gross weekly pay is your hourly rate × hours per week. Fortnightly pay is simply weekly pay × 2. For a full-time employee on $26.44 per hour, weekly pay is $1,004.90 and fortnightly pay is $2,009.80. This can help you budget between pay cycles.

Superannuation Guarantee and Salary Sacrificing Super

Under the super guarantee, your employer must contribute 12% of your ordinary time earnings into a super fund. This is paid on top of your salary, not deducted from it. From 1 July 2026, employers must pay super each payday (Payday Super) and the contribution must reach your fund within 7 business days. The maximum earnings that attract the guarantee is $270,830 per year.

Salary sacrificing super is a voluntary arrangement where you and your employer agree to divert part of your pre-tax salary into super. These contributions are taxed at 15% inside the fund, which is often lower than your marginal tax rate. Crucially, salary sacrificed super does not reduce your employer’s super guarantee obligation – they must still pay the full 12% on your ordinary time earnings as if no sacrifice existed. The Australian Taxation Office explains that salary sacrifice contributions are additional to the guarantee and are classified as employer contributions. For more, see the ATO’s page on salary sacrificing super.

If you are considering salary sacrificing, be aware of the concessional contributions cap (currently $30,000 per year) and the Division 293 tax if your income exceeds $250,000. Our super and packaging page has more details.

Tax and Medicare

Your annual gross pay is subject to income tax and the Medicare levy. For 2026–27, the resident tax rates are:

• 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

The Medicare levy is generally 2% of your taxable income. We use the 2025–26 single reduction thresholds as the 2026–27 thresholds were not confirmed in this estimate. The calculator does not deduct HELP repayments, the Medicare levy surcharge, or salary packaging.

Important Disclaimer

Annual pay shown 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 uses 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.