Below Market
This amount is below the typical professional baseline for Sydney, which we estimate around $119,500.
Compared to Sydney Professional Median (~$119,500)
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Income Projections
How your take-home pay scales with potential salary adjustments in Sydney.
| Gross Income | Est. Net | Difference |
|---|---|---|
| $24,000 | $22,418 | -40% |
| $32,000 | $28,738 | -20% |
| $36,000 | $31,898 | -10% |
| $40,000 | $35,058 | Selected |
| $44,000 | $38,218 | +10% |
| $48,000 | $40,973 | +20% |
| $56,000 | $46,213 | +40% |
| $80,000 | $61,933 | +100% |
Common Questions
Does this $40,000 breakdown include social security in Australia?↓
Yes. The estimate deducts $800 in mandatory social insurance (health, pension, unemployment) before arriving at your $35,058 net income.
Is $40,000 enough to live in Sydney?↓
Sydney carries a cost-of-living index of 52. With roughly $35,058 net per year (~$2,922 each month), you sit close to the professional median, so prioritising housing and savings discipline is key.
What is my monthly take-home pay at $40,000?↓
Your modeled monthly take-home is $2,922 after Australia income tax, social contributions, and the standard single-filer deduction.