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YTD Calculator — Year to Date Income Australia

A year to date calculator adds up gross pay from 1 July to the latest payslip, or converts that YTD figure into a projected annual salary: projected income = (YTD gross ÷ pays received) × pays per year, with 52 weekly, 26 fortnightly or 12 monthly pays in the 2026-27 financial year. Tax on the projected figure follows the ATO 2026-27 scale.

Updated: July 2026.

Official ATO ratesUpdated FY2026-27Free foreverNo signup required

Your Pay Details

$

Max 26 fortnightly pays per financial year.

Your YTD Gross Income
$26,000
After 13 fortnightly pays of $2,000 (50% of the financial year)

If you keep earning at this rate

Component
Projected Annual
Gross Income
$52,000
Income Tax
-$5,900
Medicare Levy
-$1,040
Net Take-Home
$45,060
New financial year note: YTD figures reset to zero on 1 July each year. If your payslip is from early in the financial year, the YTD number will look small — that is normal. Compare it against the projected annual figure above instead.

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What Does YTD Mean on a Payslip?

YTD stands for year to date. On an Australian payslip, YTD is the running total of everything you have earned and everything that has been withheld since 1 July — the start of the financial year — up to and including that payslip. It is not a calendar-year figure.

Most payroll systems show several YTD columns side by side with your current pay:

  • YTD gross — total earnings before tax, including overtime, bonuses, allowances, and leave loading
  • YTD tax — total PAYG withholding your employer has sent to the ATO on your behalf (see the PAYG withholding tables for how each pay is calculated)
  • YTD STSL — total study loan (HECS-HELP) amounts withheld, shown separately from income tax (see our guide to STSL on your payslip)
  • YTD super — total employer superannuation guarantee contributions accrued
  • YTD net — total take-home pay actually deposited into your bank account

If any of these labels look unfamiliar, our guide to understanding your payslip walks through every line item Australian employers are required to show.

How to Calculate YTD Income

To calculate YTD income, multiply your gross pay per period by the number of pays you have received since 1 July. The formula is:

YTD gross = gross pay per period × pays received this financial year

  1. Find your gross pay per period — the before-tax amount on your payslip, not the net deposit.
  2. Count the pays received since 1 July — check payslip dates, or use the payslip-date option in the calculator above and we count the cycles for you.
  3. Multiply the two numbers — the result is your YTD gross income.

Worked example: Priya earns $2,000 per fortnight and has received 13 fortnightly pays since 1 July. Her YTD gross is 13 × $2,000 = $26,000, exactly half way through the financial year's 26 fortnights.

How to Annualise Your YTD Income

Annualising converts a part-year YTD figure into a projected full-year income. Lenders, real estate agents, and Centrelink all use annualised income to assess applications, and it is the fastest way to sanity-check whether your employer is withholding the right amount of tax.

Projected annual income = (YTD gross ÷ pays received) × pays per year

Worked example: Tom's payslip shows $39,000 YTD after 26 weekly pays. His average pay is $39,000 ÷ 26 = $1,500 per week, so his projected annual income is $1,500 × 52 = $78,000. Feeding that gross figure into the take-home pay calculator shows exactly what should be left after tax.

There are 52 weekly, 26 fortnightly, or 12 monthly pays in a standard financial year. If your income is irregular — overtime, casual shifts, commissions — annualising from a longer YTD window gives a more reliable projection than multiplying a single big or small pay.

Why Your YTD Figure Matters

  • Home loan and rental applications — lenders annualise the YTD gross on your two most recent payslips to verify the income you declared. A YTD figure that annualises below your stated salary triggers follow-up questions, so it pays to check the maths before they do.
  • Estimating your tax refund — comparing YTD tax withheld against the tax actually payable on your projected annual income reveals whether you are heading for a refund or a bill. Run your projected income through the income tax calculator to see the target figure.
  • Catching payroll errors early — if YTD gross ÷ pays received does not equal your contracted per-period pay, something is off: a missed pay rise, unpaid overtime, or an incorrect tax treatment. YTD totals make errors visible that individual payslips hide.

YTD and the Australian Financial Year

Australian payslips track YTD against the financial year (1 July to 30 June), not the calendar year. Every YTD column on your payslip resets to zero with the first pay after 1 July.

A new financial year has just begun, so payslips issued in July show only one or two pays' worth of YTD income. That catches people out every year — a $2,000 YTD figure in mid-July is exactly on track for a $52,000 year for a fortnightly earner. Use the annualise mode above rather than judging the raw YTD number.

The 30 June cut-off also means your final June payslip is the one that should match your income statement in myGov when your employer finalises Single Touch Payroll data for tax return time.

YTD Income Reference Table

The table below shows YTD gross income for common weekly pay amounts at each quarter of the financial year (13, 26, 39, and 52 weekly pays).

Weekly Gross PayAfter 13 weeksAfter 26 weeksAfter 39 weeksAfter 52 weeks
$800$10,400$20,800$31,200$41,600
$1,000$13,000$26,000$39,000$52,000
$1,500$19,500$39,000$58,500$78,000
$2,000$26,000$52,000$78,000$104,000
$2,500$32,500$65,000$97,500$130,000

*The "After 52 weeks" column equals the full-year gross salary. Figures are gross (before tax) amounts.

Which Related Calculators Should You Use?

How this calculator works▼

How this YTD calculator works:

  1. YTD mode multiplies your gross pay per period by the number of pays received since 1 July.
  2. Annualise mode divides your YTD gross by pays received, then multiplies by the pays in a full financial year (52 weekly / 26 fortnightly / 12 monthly).
  3. When counting pays from a payslip date, we assume your first pay of the financial year fell in the first pay cycle after 1 July — override the pay count manually if yours did not.
  4. Projected tax uses the FY2026-27 resident tax brackets and 2% Medicare levy; HECS-HELP and salary sacrifice are excluded.

Frequently Asked Questions

YTD means year to date. It is the running total of your earnings, tax withheld, and superannuation from 1 July (the start of the Australian financial year) up to that payslip. Every YTD column resets to zero with the first pay after 1 July.

YTD gross is your total before-tax earnings for the financial year so far, including overtime, bonuses, and allowances. YTD net is the total that actually reached your bank account after PAYG tax, study loan withholding, and other deductions. Lenders and the ATO work from the gross figure.

Multiply your gross pay per period by the number of pays you have received since 1 July. For example, 13 fortnightly pays of $2,000 gives a YTD gross income of $26,000. To annualise a YTD figure, divide it by the pays received and multiply by the number of pays in a full year (52 weekly, 26 fortnightly, or 12 monthly).

No. Employer superannuation guarantee contributions (12% in FY2026-27) are paid on top of your gross salary and tracked in a separate YTD super column. YTD gross only covers your own earnings — salary, overtime, bonuses, allowances, and leave payments.

The usual culprits are pays that landed just before or after 1 July, a mid-year pay rise (so not every pay was the same amount), one-off payments like bonuses or leave loading, or unpaid leave reducing a pay cycle. Count the actual payslips issued since 1 July and add each gross amount — the running total should reconcile exactly. If it still doesn't, ask payroll to check.

Yes. Australian payroll systems reset all YTD totals to zero at the start of the financial year on 1 July. Your first July payslip will show YTD figures equal to just that single pay. Your final June payslip holds the full-year totals that flow into your income statement in myGov.

Lenders annualise the YTD gross on your most recent payslips — dividing by the number of pay cycles elapsed and multiplying out to a full year — and cross-check the result against your stated salary and employment contract. Early in the financial year, many lenders will also ask for last year's income statement because a small YTD sample is less reliable.

Count pays from your first payslip rather than from 1 July. If you have received 8 fortnightly pays of $2,500 since starting, your annualised income is $2,500 × 26 = $65,000 even though your YTD shows only $20,000. Enter the actual number of pays you have received into the calculator above and it handles this correctly.

Sources & References

  1. 1
    PAYG withholding— Australian Taxation Office
  2. 2
    Pay slips— Fair Work Ombudsman

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

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