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$40,000 After Tax in Australia

$36,505 a year take-home on a $40,000 salary in 2026-27: $1,404 a fortnight or $702 a week, after income tax and the Medicare levy.

That is $3,042 a month. It is $8.38 a fortnight more than in 2025-26 (1c less on the $21,800 above the tax-free threshold); another $468 a year is legislated for 2027-28 (what changed).

Official ATO ratesUpdated FY2026-27Free foreverNo signup required
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Pay Breakdown on $40,000

ComponentAnnualMonthlyFortnightlyWeekly
Gross Salary$40,000$3,333$1,538$769
Income Tax−$2,695−$225−$104−$52
Medicare Levy−$800−$67−$31−$15
Superannuation (employer-paid)+$4,800+$400+$185+$92
Take-Home Pay$36,505$3,042$1,404$702

Workings: tax brackets · Medicare levy · super · calculator

How Many Hours a Week Earn $40,000?

Below the $52,255 full-time adult minimum, so for an adult this is part-time or casual pay: 29.1 hours a week at the minimum wage, over three-quarters of full time.

Hours a week to earn $40,000
Rate from 1 July 2026HourlyHoursCasualHours
National Minimum Wage$26.4429.1$33.0523.3
General Retail Award Level 1$27.8127.7$34.7622.1
Cleaning Award Level 1$27.0828.4$33.8522.7

What Changes Take-Home on $40,000?

  • Low Income Tax Offset: $575, shrinking 5c a dollar over $37,500: $3,270 of bracket tax becomes $2,695.
  • Medicare levy (2025-26 thresholds): the full 2%: the reduction ends at $35,013.
  • LISTO (2026-27): none over $37,000; $720 at $40,000 from 2027-28, when the limit rises to $45,000.
  • Co-contribution: up to $500 for $1,000 of after-tax super, if eligible.

Who Earns About $40,000 Full-Time?

Published pay closer to $40,000 than to any other salary on this site, with take-home a fortnight.

Jobs and pay scales near $40,000
Job or pay scaleA yearTake-home a fortnight
Junior, aged 18Anaconda · Chemist Warehouse · Domino's · Guzman y Gomez · Harvey Norman · IGA · JB Hi-Fi · McDonald's · Red Rooster · Spotlight · Starbucks · Subway · Zambrero, 70% junior rate, 1 July 2026$38,473$1,358
Customer Service Assistant, aged 18Target, 70% junior rate, 1 July 2026$38,532$1,360
Junior, aged 18KFC · Kmart, 70% junior rate, 1 July 2026$38,670$1,364
Level 1, aged 18David Jones, 70% junior rate, 1 July 2026$38,710$1,365
Crew Member, aged 18Hungry Jack's, 70% junior rate, 1 July 2026$38,749$1,367
Retail Team Member Level 1, aged 18Rebel, 70% junior rate, 1 July 2026$39,006$1,374
Store Team Member Level 1, aged 18Woolworths, 70% junior rate, 1 July 2026$39,085$1,377
Store Team Member Level 1, aged 18Big W, 70% junior rate, 1 July 2026$39,125$1,378
Team Member Level 1, aged 18Officeworks, 70% junior rate, 1 July 2026$39,421$1,387
Level 1, aged 18Coles, 71% junior rate, 1 July 2026$39,895$1,401
Junior, aged 18Event Cinemas · Hoyts, 65% junior rate, 1 July 2026$40,864$1,430
Retail Employee / Glow Assistant, aged 18Priceline, 70% junior rate, the agreement's start on 17 September 2026$40,903$1,431
Team Member, aged 17Bunnings, 75% junior rate, 1 September 2025$42,444$1,477

Apprentice award minimums, the first full pay period starting on or after 1 July 2026:

Apprentice full-time minimums near $40,000
Apprentice minimumA yearTake-home a fortnight
2nd year (stage 2), junior, finished Year 12Building and construction · Automotive repair · Hairdressing · Beauty therapy · Manufacturing and engineering · Meat industry$37,826$1,339
2nd year (stage 2), juniorCommercial cookery$37,826$1,339
2nd year (stage 2), junior, left school before Year 12Electrical$38,625$1,363
2nd year (stage 2), junior, left school before Year 12Plumbing and mechanical services$38,833$1,369
2nd year (stage 2), junior, finished Year 12Electrical$41,747$1,456
2nd year (stage 2), junior, finished Year 12Plumbing and mechanical services$41,890$1,461

Salary before super, from the date shown; no HECS-HELP. Pay rates by job.

Frequently Asked Questions

Yes: $2,695 of income tax after the Low Income Tax Offset, and $800 of Medicare levy, 8.7% of $40,000 in all.

29.1 hours at the $26.44 minimum wage (23.3 as a casual), or 27.7 on the General Retail Award Level 1 rate, over 52 weeks.

At the legal or award minimum, a 2nd year junior building and construction apprentice ($37,826) and a 2nd year junior commercial cookery apprentice ($37,826) earn about $40,000 full-time.

Single resident, no HECS-HELP; Medicare thresholds 2025-26. Method.

Sources & References

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    Anaconda pay rates— Anaconda
  18. 18
    Chemist Warehouse pay rates— Chemist Warehouse
  19. 19
    Domino's pay rates— Domino's
  20. 20
  21. 21
  22. 22
  23. 23
    David Jones pay rates— David Jones
  24. 24
    Hungry Jack's pay rates— Hungry Jack's
  25. 25
  26. 26
    Woolworths pay rates— Woolworths
  27. 27
  28. 28
    Officeworks pay rates— Officeworks
  29. 29
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    Event Cinemas pay rates— Event Cinemas
  31. 31
    Priceline pay rates— Priceline
  32. 32
    Bunnings pay rates— Bunnings

Last verified: 9 October 2026. Our content is based on the latest information from official Australian government sources.

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