Contractor vs Employee
True Cost Comparison

Enter both scenarios below to see the real financial difference — tax, super, leave entitlements, insurance and net take-home pay.

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Employee

PAYG — employer pays your super & entitlements

Annual salary (A$)

Super rate (%)

Annual leave (days)

Sick leave (days)

Public holidays (days)

Benefits ($/yr)

Training budget

Other benefits

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ABN — you're responsible for tax, super & insurance

Daily rate (A$)

Billable days/week

Weeks/year billed

Your annual costs (A$)

Public liability ins.

Accountant fees

Own super contrib.

Other expenses

Fill in the employee salary and contractor daily rate to see a full side-by-side comparison of true take-home pay.