How to Generate Australia Payslip Online: Complete 2026 Guide

Need to create professional, Australian payslips quickly? Whether you're a small business owner, sole trader with employees, or want to keep your own pay records, this guide shows you how to generate accurate Australian payslips online in 2026.

If you want to see the finished layout first, the Australian payslip template page lists every item Fair Work requires on a payslip and shows a sample worked out by the generator. For the rules in other countries, see how to make a payslip.

Why Use an Online Australia Payslip Generator?

Benefits for Employers

Save Time:

• Generate payslips in under 5 minutes
• No complex payroll software needed
• Automatic PAYG, Medicare levy and super calculations
• Focus on growing your business

ATO Rates & Fair Work Payslip Items:

• 2026-27 tax rates
• Superannuation Guarantee: 12%
• PAYG withholding and Medicare levy worked out for you
• Fields for the items the Fair Work rules require on a payslip, including your ABN and the super fund's name

Professional Results:

• Clear A4 PDF with earnings, deductions, super and year-to-date totals

Benefits for Employees

Keep Your Own Records:

• Track your earnings and deductions
• Check figures against the payslips your employer issues
• Budgeting and tax preparation

Verify Employer:

• Check superannuation payments
• Confirm PAYG withholding
• Track YTD totals

What You Need Before Starting

Essential Information

Employer Details:

• Business name
• Australian Business Number (ABN), if the business has one
• Business address
• Logo (optional)

Employee Information:

• Full name
• Employee number/ID
• Address (optional)
• Tax File Number (optional; it is never printed on the payslip)

Pay Period Details:

• Pay frequency (weekly, fortnightly or monthly)
• Pay period start date
• Pay period end date
• Payment date
• Hours worked (if paid by the hour)

Earnings Information:

• Hourly rate OR annual salary
• Ordinary hours worked
• Overtime and penalty rates (each with its hours and rate)
• Allowances (if any)
• Loadings (casual, shift, etc.)

Deductions & Super:

• Superannuation fund name
• Other deductions, and the fund or account each one is paid into

Understanding 2026 Australian Tax & Super

Superannuation Guarantee (SG) - 2026

Rate: 12% (since 1 July 2025) Payday Super: Since 1 July 2026, super is worked out on each pay's qualifying earnings and must reach the employee's fund within 7 business days of payday. Quarterly due dates no longer apply.

Calculation:

Qualifying earnings this pay: $5,000
Superannuation: $5,000 × 12% = $600
Employer pays this ON TOP of salary

Qualifying earnings broadly means ordinary time earnings (OTE), the term used before Payday Super.

Usually Included:

• Base salary/wages
• Commissions
• Most bonuses
• Most allowances
• Shift loadings and casual loading

Usually Excluded:

• Overtime
• Reimbursements
• Some allowances

PAYG Withholding - Tax Rates 2026-27

Taxable Income	Tax Rate
$0 - $18,200	0% (tax-free threshold)
$18,201 - $45,000	15%
$45,001 - $135,000	30%
$135,001 - $190,000	37%
Over $190,000	45%

Medicare Levy: 2% (most taxpayers)

Low Income Tax Offset (LITO):

• Up to $700 for taxable incomes of $37,500 or less
• Reduces to $0 at $66,667

HELP/HECS Repayment - 2026-27

Threshold: $69,528 (annual) Rates: 15c per dollar above the threshold, then 17c per dollar above $129,717

The generator doesn't add HELP/HECS repayments. If the employee has a study loan, type over the PAYG line with the amount from the ATO's tax withheld calculator (see Step 5).

Step-by-Step: Generate Your Australian Payslip

Step 1: Access the Generator

Get Started:

1. Visit PayStub Guru Australia Payslip Generator
2. No registration required
3. Secure HTTPS connection
4. Mobile and desktop compatible

Pricing:

• Free to fill in, preview and download with a watermark
• A$3.99 for 24 hours of unlimited watermark-free payslips
• Generate for all employees and pay periods in that time
• No subscriptions or hidden fees

Step 2: Enter Employer Information

Required Fields:

Employer Name: Smith Enterprises Pty Ltd
ABN: 12 345 678 901
Address: Level 5, 123 Collins Street, Melbourne VIC 3000

Tips:

• ABN format: XX XXX XXX XXX (11 digits); the form warns you if the digit count is wrong
• Use the registered business name
• Include the full postcode

Step 3: Input Employee Details

Personal Information:

Employee Name: Emma Wilson
Employee Number: EMP0045

You can leave the Tax File Number out. Payslips don't need it, and the generator never prints it even if you enter it.

Employment Type:

There's no employment-type setting. Full-time, part-time and casual payslips are all made the same way: enter the ordinary rate and hours (or the annual salary), and for casuals add the casual loading as its own earnings line (Step 4).

Pay Period:

Pay Frequency: Fortnightly
Period Start: 15 January 2026
Period End: 28 January 2026
Payment Date: 31 January 2026

Step 4: Calculate Earnings

Option A: Salaried Employee

Annual Salary: $65,000
Pay Frequency: Fortnightly (26 pays)
Gross Per Period: $65,000 / 26 = $2,500.00

The payslip shows the annual rate on the base line, for example "Base Salary ($65,000.00 a year)", as the Fair Work rules require for salaried employees.

Option B: Hourly/Casual Employee

Base Hourly Rate: $28.50
Ordinary Hours: 76
Ordinary pay: 76 × $28.50 = $2,166.00
Casual Loading (25%), its own line: $541.50
Total Gross: $2,707.50

Option C: With Penalty Rates

Ordinary hours (Mon-Fri): 60 @ $28.50 = $1,710
Saturday (150%): 8 @ $42.75 = $342
Sunday (200%): 8 @ $57.00 = $456
Total Gross: $2,508

The generator doesn't know award rates or penalty percentages. Enter the ordinary rate and hours, then add each penalty rate as its own earnings line with its hours and rate; the amount is worked out and both print on the payslip.

Additional Earnings (each as its own line):

• Bonuses
• Commissions
• Allowances (car, phone, meal)
• Overtime
• Public holiday rates

Step 5: Configure Tax Withholding

The generator works out PAYG on the 2026-27 resident rates as if the employee claims the tax-free threshold and has no study loan. Any tax line can be typed over in the form, so for the cases below, use the ATO's tax withheld calculator and enter its figure.

Tax File Number Declaration:

• Has TFN: Normal tax rates apply
• No TFN: 47% flat rate (highest rate + Medicare)
• Foreign resident: Different tax scale

Tax-Free Threshold:

• Claiming: the first $18,200 of yearly income is tax-free
• Not claiming: Tax from first dollar (usually second job)

PAYG Calculation Example:

Annual salary: $65,000
(the first $18,200 is taxed at 0%)

Tax calculation:
$18,201 - $45,000 @ 15% = $4,020
$45,001 - $65,000 @ 30% = $6,000
Total annual tax: $10,020
Medicare levy 2%: $1,300

Fortnightly PAYG: $10,020 / 26 = $385.38
Fortnightly Medicare levy: $1,300 / 26 = $50.00
Total withheld: $435.38

The generator shows PAYG and the Medicare levy as two lines. The ATO's withholding tables round differently and include the levy in one amount, so payroll software can differ by a few dollars.

HELP/HECS Debt:

If annual income: $80,000
HELP threshold: $69,528
Income over threshold: $10,472
Additional withholding: $10,472 × 15% / 26 = $60.42/fortnight

This isn't added automatically: type over the PAYG line to include it.

Step 6: Calculate Superannuation

Superannuation Guarantee:

Gross pay: $2,500
SG Rate: 12%
Employer Contribution: $2,500 × 12% = $300

The generator works out super at 12% of gross pay and shows it as an employer contribution, not a deduction. The legal minimum is 12% of qualifying earnings, which leaves out overtime, so the generator leaves out earnings lines with "overtime" in their name.

Superannuation Fund Details:

• Enter the fund name (e.g., AustralianSuper) and it prints on the super line, as the payslip rules require

Salary Sacrifice:

• Pre-tax super contributions
• Reduces taxable income
• Increases super balance
• Maximum: $32,500/year in 2026-27 (concessional cap, including employer SG)

The generator doesn't model salary sacrifice. You can add it as a deduction line, but PAYG is still worked out on full gross pay, so type over the PAYG line with your payroll software's figure.

Example with Salary Sacrifice:

Gross: $2,500
Salary sacrifice super: $200 (pre-tax)
Taxable income: $2,300
Employer SG: $2,500 × 12% = $300
Total super: $200 + $300 = $500

Step 7: Leave Balances (Not Shown on the Payslip)

The generator doesn't show leave balances. Fair Work doesn't require them on a payslip, although many employers include them, so keep leave records in your payroll system or a spreadsheet. Paid family and domestic violence leave must never appear on a payslip; see the payslip template page for what to show instead.

For reference, the National Employment Standards give:

Annual Leave:

Full-time: 4 weeks/year (152 hours)
Accrual rate: 152 / 26 = 5.85 hours/fortnight

Personal/Carer's Leave:

Full-time: 10 days/year (76 hours)
Accrual rate: 76 / 26 = 2.92 hours/fortnight

Long Service Leave:

• Accrues after 7-10 years (varies by state)
• Not always shown on payslip

Casual Employees:

• No paid annual or personal leave
• Receive 25% casual loading instead

Step 8: Include Other Deductions

Common Deductions:

• Union fees
• Private health insurance
• Novated car lease
• Workplace giving (charity)
• Child support garnishments
• Salary advance repayments

All Deductions Must:

• Be itemised separately (add each as its own deduction line)
• Show the name of the fund or account it was paid into (put it in the line's description)
• Have employee authorisation
• Comply with Fair Work rules

Step 9: Review & Generate

Pre-Generation Checklist:

✓ Employer ABN correct ✓ TFN left off (it never prints anyway) ✓ Gross pay calculated accurately ✓ PAYG withholding reasonable ✓ Super fund name entered ✓ All deductions authorised ✓ Pay period dates correct ✓ Payment date accurate

What's Generated:

• Gross earnings breakdown, with hours and rates
• PAYG tax withheld and the Medicare levy
• Superannuation (employer contribution) with the fund name
• Net pay (take-home)
• YTD totals from 1 July

Step 10: Download & Distribute

Download Options:

• PDF format (A4)
• Print-ready
• Email or share the PDF yourself

Fair Work Requirements:

• Provide within 1 working day of payment
• Electronic or paper format
• Employee must be able to readily access
• Must be able to print if electronic

Record Keeping:

• Keep for 7 years (Fair Work)
• Also 5 years (ATO)
• Secure storage
• Accessible for audits

Sample Payslip Calculation (2026)

Example: Fortnightly Full-Time Employee

Employee Details:

• Annual Salary: $65,000
• Pay Frequency: Fortnightly (26 pays)
• Tax-free threshold: Claimed
• No HELP debt

Calculations:

Gross Pay:

Annual: $65,000
Fortnightly: $65,000 / 26 = $2,500.00

PAYG Tax Withholding and Medicare Levy:

Annual taxable: $65,000
Tax on $18,201 - $45,000: $4,020 (15%)
Tax on $45,001 - $65,000: $6,000 (30%)
Total tax: $10,020
Medicare levy (2%): $1,300
Fortnightly PAYG: $10,020 / 26 = $385.38
Fortnightly Medicare levy: $1,300 / 26 = $50.00

Superannuation (Employer):

Gross pay: $2,500
SG 12%: $2,500 × 0.12 = $300
(Paid to super fund, not deducted from pay)

Net Pay:

Gross pay: $2,500.00
PAYG tax: -$385.38
Medicare levy: -$50.00
Net pay: $2,064.62

Take-home: $2,064.62 per fortnight

Common Scenarios

Scenario 1: Casual Employee with Loading

Details:

• Base rate: $25/hour
• Casual loading: 25%
• Hours worked: 80 (fortnight)

Calculation:

Ordinary pay: 80 × $25 = $2,000
Casual loading (25%), its own line: $500
Gross pay: $2,500
PAYG tax: $385.38
Medicare levy: $50.00
Net pay: $2,064.62
Superannuation: $2,500 × 12% = $300 (casual loading counts toward super)

Note: Add casual loading as its own earnings line so it shows separately on the payslip. To check take-home pay for other rates and hours, use the Australia pay calculator.

Scenario 2: Penalty Rates (Hospitality)

Weekend & Public Holiday Work:

Monday-Friday (38 hrs @ $28): $1,064
Saturday (8 hrs @ $42 - 150%): $336
Sunday (8 hrs @ $56 - 200%): $448
Public holiday (8 hrs @ $70 - 250%): $560
Total gross: $2,408

Enter 38 hours at $28 as the ordinary pay, then add the Saturday, Sunday and public holiday work as three earnings lines, each with its hours and rate.

All penalty rates are:

• Subject to PAYG withholding
• Counted for super when paid for ordinary hours
• Shown separately on the payslip

Award rates and penalties differ by industry. There are worked payslips for hospitality, cleaning and trades.

Scenario 3: Salary Sacrifice Super

Maximizing Super:

Gross pay: $3,000
Salary sacrifice: $300 (pre-tax)
Taxable income: $2,700
PAYG on $2,700 (less tax)
Employer SG: $3,000 × 12% = $360
Total super: $300 + $360 = $660

Benefits:

• Reduced taxable income
• Tax on super only 15% (vs marginal rate)
• Increased retirement savings

The generator doesn't model this: it works out PAYG on the full $3,000. If you show salary sacrifice, type over the PAYG line with the lower amount from your payroll software.

Scenario 4: Commission-Based

Sales Employee:

Base salary: $1,500 ($39,000 a year)
Commission (its own line): $1,200
Total gross: $2,700
PAYG: $445.38
Medicare levy: $54.00
Super: $2,700 × 12% = $324.00
Net pay: $2,200.62

Scenario 5: Student with HELP Debt

Repayment Calculation:

Annual salary: $80,000
HELP threshold: $69,528
Income over threshold: $10,472
Annual repayment: $10,472 × 15% = $1,570.80
Fortnightly: $1,570.80 / 26 = $60.42
Additional PAYG: $60.42/fortnight

The generator doesn't add this. Type over the PAYG line with the total from the ATO's tax withheld calculator.

Advanced Features

Year-to-Date (YTD) Tracking

Totals from 1 July:

• Gross earnings YTD
• PAYG tax withheld YTD
• Medicare levy YTD
• Superannuation YTD
• Net pay YTD

YTD is estimated from the pay date by default. You can instead enter how many pays this employee has had this financial year (for a mid-year start) or type in the totals from the last payslip. See the Australian YTD guide for how the totals work.

Why YTD Matters:

• Check against the income statement in myGov
• Track superannuation payments
• Tax planning
• Spot payroll errors early

Modern Award Compliance

Common Awards:

• Retail Award
• Hospitality Award
• Manufacturing Award
• Clerical Award
• Building & Construction Award

What awards set:

• Minimum pay rates
• Penalty rates
• Allowances
• Loading percentages

The generator doesn't look up award rates or check award compliance. Find the right rates with the Fair Work Ombudsman's Pay Calculator, then enter the ordinary rate and add each penalty rate, allowance and loading as its own earnings line.

Single Touch Payroll (STP)

STP Phase 2 reports (done by your payroll software):

• Disaggregated data
• Employment type
• Country codes
• Cessation information

The generator doesn't lodge STP reports.

Why Choose PayStub Guru Australia Generator?

Key Features

✅ ATO Rates & Fair Work Payslip Items:

• 2026-27 tax rates
• Superannuation 12%, with the fund name
• Medicare levy 2%
• Employer ABN; TFNs never printed
• Annual salary rate shown on salaried payslips

✅ Calculations:

• PAYG withholding with the tax-free threshold claimed
• Medicare levy, including the low-income shade-in
• Superannuation guarantee at 12% of gross pay
• YTD totals from 1 July
• Every tax line can be typed over

✅ Professional Templates:

• Fair Work payslip fields (see the template)
• Clear, readable A4 layout

✅ Flexible Earnings and Deductions:

• Hourly or annual salary pay
• Weekly, fortnightly or monthly pay
• Casual loading, penalty rates, overtime and allowances as their own lines, with hours and rates
• Custom deductions

✅ Easy to Use:

• No payroll expertise needed
• Step-by-step guidance
• Instant preview
• Quick generation (5 minutes)

✅ Secure:

• SSL encrypted
• Privacy protected
• No permanent storage

Pricing & Access

Simple Pricing

Free with a watermark. 24-Hour Unlimited Access: A$3.99

What's Included:

• Unlimited Australian payslips for 24 hours
• All employees
• Weekly, fortnightly and monthly pay
• Hourly and salaried employees
• YTD calculations
• Watermark-free PDF
• Instant download

Perfect For:

• Small businesses
• Sole traders with employees
• Startups
• Households paying a carer or cleaner
• Agencies
• Accountants
• Bookkeepers

Value Comparison:

Solution	Cost/Month	Setup Time	Complexity
PayStub Guru	A$3.99 per 24 hours	5 min	Simple
Payroll Software	$50-150	2-4 hours	Complex
Manual Calculation	Free	60+ min	Error-prone
Bookkeeper	$200+	Varies	None

Payroll software also does things the generator doesn't, such as STP reporting, leave balances and award interpretation.

Most online pay stub generators only cover the US. Our pay stub generator comparison shows which ones make Australian payslips.

Get Started Now

Ready to generate professional Australian payslips?

3 Simple Steps:

1. Access generator → Click button below
2. Enter details → Employer & employee info
3. Download → Instant professional payslip

No signup. Secure payment. Immediate access.

Generate Australia Payslip for A$3.99 →

Frequently Asked Questions

Q: What do these payslips include?

A: They include fields for the information Fair Work requires on a payslip (listed on the payslip template page), and use the 2026-27 ATO tax rates. Checking the figures remains the responsibility of whoever issues the payslips.

Q: Can I use these for official purposes?

A: No. Generated payslips are not official employer records. Using them as proof of income for loans, mortgages, rentals, visas or benefits is fraud. Use them for your own records and planning, and get official documents from your employer.

Q: What's the current superannuation guarantee rate?

A: 12%, since 1 July 2025. Since 1 July 2026 (Payday Super) it's worked out on each pay's qualifying earnings and must reach the fund within 7 business days of payday.

Q: Do you include leave balances?

A: No. Leave balances aren't shown on the payslip. Fair Work doesn't require them, but many employers include them.

Q: Can I generate for casual employees?

A: Yes. Enter the ordinary hourly rate and hours, and add casual loading (typically 25%) as a separate earnings line. Casual employees don't accrue paid annual or personal leave.

Q: What if my employee has no TFN?

A: If no TFN is provided, PAYG is withheld at the top marginal rate of 47% (45% + 2% Medicare levy). The generator assumes a TFN and the tax-free threshold, so type over the PAYG and Medicare lines in this case.

Q: How do I calculate superannuation correctly?

A: Super = qualifying earnings × 12%. Qualifying earnings broadly match ordinary time earnings: base salary, commissions, most bonuses and allowances, shift loadings and casual loading, but usually not overtime. The generator uses 12% of gross pay, leaving out earnings lines named overtime.

Formula:

Superannuation = Qualifying earnings × 12%

Q: What about STP (Single Touch Payroll)?

A: Our generator doesn't report to the ATO. Employers need STP-enabled payroll software to report pay and super to the ATO each payday.

Q: Can I generate for multiple employees?

A: Yes! With 24-hour unlimited access, generate payslips for your entire workforce.

Q: Do you support Modern Awards?

A: Partly. You can enter award rates and add penalty rates, allowances and loadings as separate earnings lines, but the generator doesn't look up award rates or check award compliance for you.

Conclusion

Generating Australian payslips online in 2026 is fast, easy, and affordable with PayStub Guru. Whether you're running payroll for a small business, keeping your own records, or verifying employer compliance, our generator provides:

✅ PAYG withholding estimate (2026-27 tax rates) ✅ Superannuation guarantee (12%), shown as an employer contribution with the fund name ✅ Medicare levy calculation (2%) ✅ Fair Work Act payslip fields ✅ Professional, clear layout ✅ 24-hour unlimited access for just A$3.99

Stop wasting time on manual calculations. Generate professional Australian payslips in minutes.

Try Australia Payslip Generator Now - A$3.99 →

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Last updated: October 25, 2026 - Based on 2026-27 ATO tax rates, the 12% superannuation guarantee and Payday Super. Tax laws may change. Always verify with ATO.gov.au or Fair Work Ombudsman.