Two free calculators built by the Super Nice team. Work out your take home pay under any recent year's tax rates, or see how the same business profit is taxed under different structures. Everything runs in your browser and nothing you type is sent anywhere.
Enter your salary and see the tax, super and take home pay for your pay cycle. Pick the financial year to compare old and new rates, including the 2026-27 cut in the lowest tax rate.
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Enter your revenue, profit and the related people around the business, and see roughly how much tax the same profit attracts under each structure. Every scenario uses the same playbook: people who genuinely work in the business can be paid commercial wages, every related adult can be filled from $0 up to the $45,000 bracket where personal rates are still cheaper than the 25% company rate, and anything beyond that is capped in a company. One rule never changes: the trading entity is always a company, because trading through a trust or in your own name leaves personal and family assets exposed. Trusts belong above the company as shareholder, not on the front line. It is a conversation starter, not advice: the right structure also depends on asset protection, personal services income rules, payroll tax and where the profits need to end up.
| Structure | Est. tax | Effective rate | Left after tax | Notes |
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Assumes the profit is not personal services income, that every related adult is a resident with no other income, that wages paid to working members are commercially reasonable for the work actually done, and that company profits are retained (tax is payable again by shareholders when profits come out as dividends, less franking credits). Wages trigger super guarantee, workers compensation and possibly payroll tax, which the model ignores. Section 100A, Division 7A and family trust election rules all apply to real trusts. The super scenario caps contributions at the concessional cap and ignores Division 293.
Restructuring is the single biggest tax lever most established businesses never pull. If the numbers above show daylight between your current setup and a better one, that conversation usually pays for itself many times over. Other levers we model with clients: complying Division 7A loans from a bucket company back into property entities, super contribution splitting between spouses, and timing a restructure around the CGT small business concessions.