Casual: You get 25% loading (extra pay) instead of sick leave and holiday pay. Most teen jobs are casual.
If you said no or haven't given it to your employer yet
Your actual take-home per week
$0
🚨 THE TFN TRAP: Without a Tax File Number, your employer withholds tax at 47%! That's almost HALF your pay gone. Get your TFN from the ATO website (free, takes 10 mins) and give it to your employer ASAP. You'll get the over-withheld tax back at tax time, but that could be months away.
Weekly Breakdown
Annual Picture (52 weeks)
The Math
💡 What's superannuation?
Your employer puts extra money (12% of your pay) into a retirement fund for you. You don't see it in your bank account — it goes to a super fund. It's legally required and it's on top of your hourly rate, not taken out of it. Think of it as money you can't touch until you're ~60, but it grows over time.
📋 Checklist for your first paycheck:
✅ Give your employer your TFN
✅ Choose a super fund (or they'll pick one)
✅ Download your payslip and check the numbers
✅ Check your super is actually being paid (give it a few months then check at myGov)
⚠️ Important Disclaimer
This tool provides general information only and does not constitute financial, tax, or legal advice. Tax calculations are estimates based on current ATO rates and may not reflect your exact situation. Before making financial decisions, consider seeking independent advice from a qualified financial adviser or tax professional.