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Pay Calculator SA: Your Take-Home Pay in South Australia

SA

This South Australia pay calculator turns your gross salary into take-home pay per week, fortnight and month, using ATO 2026-27 resident tax rates and the Medicare levy. It opens on the ABS average full-time salary in South Australia, $102,450 a year ($1,970.20 a week, ABS, May 2026); type your own salary to replace it. Below the result are the three things SA does differently. Its calendar has four state-specific holidays around Christmas and New Year: the Christmas Eve and New Year's Eve part-days, Proclamation Day and its substitute day. SA has the most generous long service leave entitlement in the country. SA payroll tax is paid by employers, not employees.

Official ATO ratesUpdated FY2026-27Free foreverNo signup required

Income tax is federal, so the result is the same in every state. Changing this takes you to that state's page for public holidays, long service leave and payroll tax.

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HECS-HELP repayments start at $69,528. Super is shown on top of your salary at 12% because your employer pays it, not you.

Take-home pay · SA
$79,146
a year, after tax
$1,522.04
weekly
$3,044.08
fortnightly
$6,595.50
monthly
$40.05
per hour

What comes out

Gross salary$102,450
Income tax-$21,255
Medicare levy-$2,049
Take-home pay$79,146
Effective tax rate22.7%
Marginal rate (incl. Medicare levy)32%
Super (12%, employer-paid)+$12,294
Total package$114,744

To check a payslip, compare the weekly, fortnightly or monthly figure above that matches your pay period with the net pay on your slip; see how to read an Australian payslip.

A vineyard worker in a straw hat prunes vines with secateurs, a stone shed and gum trees behind her

SA pay at a glance

  • Minimum wage: the national minimum wage is $26.44 an hour ($1,004.90 for a 38-hour week) from 1 July 2026; most jobs pay an award rate above it (see the minimum wage guide).
  • Public holidays: 15 in 2026, 9 of them SA-only. Working one usually attracts 200%–250% of your base rate under an award (dates in the public holiday table below).
  • Long service leave: 13.00 weeks after 10 years under the Long Service Leave Act 1987 (SA): SA long service leave calculator.
  • Government jobs: SA public service pay scales, SA teacher pay and SA nurse pay rates.
  • Emergency services: SA paramedic pay and SA firefighter pay.
  • Workers compensation: if you are injured at work, the SA scheme (ReturnToWorkSA) covers weekly payments and medical costs. Your employer pays the premium; nothing is deducted from your pay for it.

Minimum wage and state awards in South Australia

The National Minimum Wage is $26.44 an hour ($1,004.90 for a 38-hour week) from 1 July 2026, and it applies to adults in the national system whatever the state. Most people earn an award rate above it: see what the minimum wage in Australia is and the award rates guide.

South Australian state public sector and local government employees are not covered by the national system and remain under the South Australian state system. Most private-sector employees in South Australia are in the national system.

Source: Fair Work Ombudsman, Fair Work system, read 5 October 2026. Check with Fair Work or your state industrial commission if you are unsure which system covers your employer.

How much of a South Australian salary do you actually keep?

South Australia levies no personal income tax, so every deduction on an Adelaide payslip is federal. Here is the arithmetic on $102,450, the average full-time wage in SA, and the lowest of any mainland state.

Worked example: $102,450 in South Australia

$102,450 is what a full-time adult in South Australia earns on average before overtime: ABS average weekly ordinary time earnings of $1,970.20 a week, May 2026, over 52 weeks.

Gross salary$102,450
Income tax− $21,255
Medicare levy (2%)− $2,049
Take-home pay$79,146

That is $1,522.04 a week, $3,044.08 a fortnight or $6,595.50 a month in the bank.

Effective tax rate 22.7%. The next dollar you earn is taxed at 32%, which is your tax bracket rate plus the 2% Medicare levy.

Superannuation of $12,294 at 12% is paid by your employer on top, making the package $114,744.

With a HECS-HELP debt, a further $4,938 is withheld and take-home pay falls to $74,208, or $2,854.15 a fortnight.

Because SA salaries cluster lower, more South Australians sit inside the low income tax offset range than in NSW or WA. The calculator above applies LITO automatically and shows it as a separate line when it applies to you.

Is your South Australian salary normal? What the ABS says

SA full-time adults earn $1,970.20 a week in ordinary time earnings. That is behind every other mainland jurisdiction but comfortably ahead of Tasmania, and the gap between men and women here is narrower than the national pattern.

SA average weekly earningsPer weekPer year
Full-time adults, ordinary hoursBase pay only: the figure this page's worked example uses$1,970.20$102,450
Full-time adults, including overtimeAdds overtime, so it runs ahead of the ordinary-time figure$2,033.90$105,763
Full-time adult menOrdinary time earnings$2,043.20$106,246
Full-time adult womenOrdinary time earnings$1,858.00$96,616
All employees, including part-timePulled down by part-time hours, not by lower rates$1,490.90$77,527

Full-time adults in South Australia earn 5.4% less than the national average of $2,083.70 a week. Source: ABS Average Weekly Earnings, May 2026, released 13 August 2026 (Table 13, original series). Read on 28 August 2026.

Health care and social assistance is the largest employing industry in SA, and most of it runs on federal awards. Check yours in the award rates guide or the SCHADS award rates, and check whether your SA health or charity employer offers salary packaging, which lowers your taxable income and the income tax on it.

South Australian public holidays and what they do to your pay

SA has the most complicated holiday calendar in the country for anyone working retail or hospitality. Christmas Eve and New Year's Eve are both part-day public holidays from 7 pm to midnight, so a shift that starts at 4 pm changes rate partway through. Proclamation Day takes the place of Boxing Day on 26 December, with its own substitute day on the 28th. Adelaide Cup Day in March is unique to SA.

South Australia publishes 15 public holidays for 2026, and 9 of them are not observed Australia-wide. A worker one state over is not paid a public holiday penalty rate on those days, which are marked SA only in the table below.

2026 datePublic holidayObserved
Thursday 1 JanuaryNew Year's DayNationwide
Monday 26 JanuaryAustralia DayNationwide
Monday 9 MarchAdelaide Cup DaySA only
Friday 3 AprilGood FridayNationwide
Saturday 4 AprilEaster SaturdaySA only
Sunday 5 AprilEaster SundaySA only
Monday 6 AprilEaster MondayNationwide
Saturday 25 AprilAnzac DayNationwide
Monday 8 JuneKing's BirthdaySA only
Monday 5 OctoberLabour DaySA only
Thursday 24 DecemberChristmas EvePart-day holiday, from 7 pm to midnight.SA only
Friday 25 DecemberChristmas DayNationwide
Saturday 26 DecemberProclamation Day holidaySA only
Monday 28 DecemberAdditional public holiday for Proclamation Day holidaySA only
Thursday 31 DecemberNew Year's EvePart-day holiday, from 7 pm to midnight.SA only

Source: Fair Work Ombudsman, 2026 public holidays, read 28 August 2026. Regional and part-day variations apply, so check the South Australia government list that covers your town.

SA public holidays 2026 & 2027: every date, regional days and public holiday pay rates →

Why the SA list matters to your pay

Under most modern awards, working a public holiday attracts a penalty of 200% to 250% of your base rate. You have a right to be absent on a public holiday. If you are full-time or part-time and the holiday falls on a day you normally work, you are paid your base rate for the ordinary hours you would have worked; casual employees are not paid for a public holiday they do not work. You are entitled to the public holidays where you are based for work, not where you happen to be standing on the day.

Work out what a holiday shift is actually worth with the overtime and penalty rate calculator, or read the penalty rates guide.

Long service leave in South Australia

South Australia gives the most generous long service leave of any Australian state. The Long Service Leave Act 1987 (SA) gives 13 weeks after 10 years, half again what NSW, WA, Queensland and Tasmania pay at the same milestone. SA long service leave accrues at the same 1.3 weeks a year whether you are full-time, part-time or casual.

South Australia pays the largest entitlement in the country: 13 weeks after 10 years of continuous service, then 1.3 weeks for every year after that. Accrual is 1.3 weeks per completed year regardless of whether you are full-time, part-time or casual. A pro-rata payment becomes available once you complete 7 years, worth 1.3 weeks for each completed year.

Governing lawLong Service Leave Act 1987 (SA)
Service before you can take leave10 years
Leave at that point13 weeks
After that1.3 weeks (9.1 days) for each subsequent year of service
Pro-rata payment when the job endsFrom 7 years
Who to askSafeWork SA

Long service leave is paid at your ordinary rate, so the calculator at the top of this page tells you what a week of it is worth after tax. A lump sum paid out when you leave is taxed differently: see the final pay calculator. Source: SafeWork SA, read 28 August 2026.

Work out your own balance and payout with the SA long service leave calculator.

Does SA payroll tax come out of your pay?

Does SA payroll tax come out of your pay? No.

Payroll tax is a cost of hiring you, not a deduction from your pay. Once an employer's Australian wage bill passes $1,500,000 a year it pays 4.95% to the RevenueSA on top of wages. Payroll tax never appears on your payslip and never reduces your gross salary. Employers can find the rates, thresholds and due dates on the SA payroll tax page.

SA payroll tax also has a variable rate between $1.5 million and $1.7 million of wages. That sliding rate applies to the employer's wage bill and is not a deduction from employee pay. Employers can see how it works on the SA payroll tax page.

Working in a remote part of SA?

One federal offset, the Zone Tax Offset, varies by where you live in South Australia. The calculator above cannot apply it for you because it depends on your exact locality.

  • Zone Tax Offset: Federal tax offset for SA residents in designated remote zones. Coober Pedy, Roxby Downs, Leigh Creek and most APY Lands communities are special areas ($1,173 fixed amount plus 50% of any dependant base amount), while Woomera and most of the state are ordinary Zone B ($57 plus 20%). Amounts are for the 2025-26 income year.

It reduces the tax you owe rather than your taxable income, and you claim it in your return. See the zone tax offset guide for the qualifying localities and the residency test.

Pay calculators for other states

Income tax is identical everywhere in Australia. What changes is the public holiday calendar, the long service leave Act and the payroll tax your employer pays.

Employer? SA payroll tax is on its own page

South Australia payroll tax for 2026-27: 4.95% above a $1,500,000 threshold, administered by the RevenueSA. The rates, phase-outs, registration rules, due dates and a calculator set to SA are on the payroll tax page.

Frequently Asked Questions

No. Income tax is levied by the federal government through the ATO and is identical in all 6 states and 2 territories. Your income tax brackets, the low income tax offset (LITO) and the Medicare levy are the same whether you live in Adelaide, Sydney, or Perth. There is no state-level personal income tax anywhere in Australia.

Take-home pay on the average full-time SA salary is $79,146 a year ($3,044.08 a fortnight) after income tax and the Medicare levy. Full-time adults in SA earn $1,970.20 a week in ordinary time earnings, about $102,450 a year (ABS, May 2026). The worked example above shows the weekly, fortnightly and monthly net figures.

Christmas Eve and New Year's Eve are both part-day public holidays in South Australia, running from 7 pm to midnight. Hours worked before 7 pm are ordinary hours and hours after it attract public holiday entitlements, so a single evening shift can span both.

South Australia gazettes 26 December as the Proclamation Day holiday, marking the proclamation of the colony in 1836. For pay purposes it functions the same way as Boxing Day elsewhere, and an additional public holiday is observed on Monday 28 December 2026.

The Long Service Leave Act 1987 (SA) sets accrual at 1.3 weeks per completed year, which produces 13 weeks at the 10-year mark. Most other states accrue about 0.867 weeks a year and reach only 8.67 weeks at 10 years. A pro-rata payment becomes available once you complete 7 years.

No. Payroll tax is charged to the employer once its Australian wage bill passes $1,500,000: a variable rate from 0% to 4.95% on payrolls between $1.5 million and $1.7 million, then 4.95%. It does not appear as a deduction on an employee's payslip.

Yes, and it is common in SA health and not-for-profit employment. Packaged amounts reduce your taxable income, which reduces income tax and the Medicare levy. Model it with the salary packaging guide and the salary package calculator.

How this calculator works▼

Income tax, LITO, the Medicare levy, HECS-HELP and superannuation are calculated with the site's federal engine for 2026-27; there are no state-specific individual income taxes in Australia. SA earnings come from the ABS Average Weekly Earnings release for May 2026 (Table 13d, original series). Public holidays come from the Fair Work Ombudsman's 2026 list, and long service leave from the Long Service Leave Act 1987 as explained by SafeWork SA. SA payroll tax figures are sourced from RevenueSA and describe employer obligations only.

Sources & References

  1. 1
    Individual income tax rates, Australian Taxation Office
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Last verified: 28 August 2026. Our content is based on the latest information from official Australian government sources.

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