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NSW pay · Step 3

NSW teacher Step 3 salary: $104,156 a year, $3,078 a fortnight take-home

New South Wales teacher Step 3 pays $104,156 from 9 October 2026: about $3,078 a fortnight after 2026–27 tax. Tax, super, HELP and next step.

✓ By the TeacherPay AU Editorial Team · fact-checked against official sources Updated 16 October 2026 3 min read
On this page (5 sections)
  1. Step 3 pay after tax
  2. Step 3 pay over time
  3. Moving up from Step 3
  4. The same experience in other states
  5. FAQs

The short answer

Step 3 (Proficient) pays $104,156 a year in New South Wales government schools from 9 October 2026. After 2026–27 income tax and Medicare that's about $3,078 a fortnight ($80,306 a year), plus $12,499 employer super.

  • Gross pay: about $3,992 a fortnight (annual ÷ 26.089).
  • With a HELP debt: about $2,879 a fortnight take-home.
  • Next step up: Step 4 at $108,421 (+$4,265 a year).
  • Agreement: Crown Employees (Teachers in Schools and Related Employees) Salaries and Conditions Award 2024.

Annual salary

$104,156

from 9 October 2026

Take-home a fortnight

$3,078

2026–27 tax, no HELP

Employer super

$12,499

12% a year

Your pay on Step 3: change FTE, HELP or step

⚙Your details

Salary

100% full-time

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Take-home pay fortnightly

$3,089

From $104,156 a year · New South Wales · effective tax rate 22.9%

Gross pay

$4,006

Income tax

$837

After the low income tax offset

Medicare levy

$80

Employer super

$481

12.0% paid on top

Where each dollar goes

  • Take-home$80,306 (77%)
  • Income tax$21,767 (21%)
  • Medicare levy$2,083 (2%)
  • HECS-HELP$0 (0%)
  • Salary sacrifice & packaging$0 (0%)
PeriodGrossTax + MedicareSuper (employer)Take-home
Annually$104,156$23,850$12,499$80,306
Monthly$8,680$1,987$1,042$6,692
Fortnightly$4,006$917$481$3,089
Weekly$2,003$459$240$1,544

What your payslip should show

PAYG withheld each fortnight should be about $920 (ATO Scale 2, tax-free threshold claimed). Small differences come from rounding and 27-pay years. Your marginal rate is 32% including Medicare, so each extra $1,000 of salary adds about $680 to take-home.

Estimates for an Australian resident for 2026–27 who claims the tax-free threshold, with no other income, no dependants and private hospital cover not required. Medicare levy uses the 2025–26 low-income thresholds (2026–27 not yet published). Pay data: Crown Employees (Teachers in Schools and Related Employees) Salaries and Conditions Award 2024, verified 16 October 2026.

Step 3 pay after tax

NSW Step 3: take-home pay, 2026–27 tax year
YearFortnightMonth
Gross salary$104,156$3,992$8,680
Income tax (after LITO)$21,767$834$1,814
Medicare levy$2,083$80$174
Take-home, no HELP debt$80,306$3,078$6,692
HELP repayment (if you have a debt)$5,194$199$433
Take-home with HELP$75,112$2,879$6,259

Resident, tax-free threshold claimed, full-time. Marginal rate 32% including Medicare. Your payslip's tax withheld may differ slightly from the year-end figure.

Step 3 part-time
FTESalaryTake-home a fortnight
1.0$104,156$3,078
0.8$83,325$2,535
0.6$62,494$1,995
0.5$52,078$1,729
0.4$41,662$1,449

Pro-rata salary, 2026–27 tax, no HELP debt.

Step 3 pay over time

NSW Step 3: every pay column we hold
FromAnnual salaryStatus
9 October 2024$98,177official
9 October 2025$101,122official
9 October 2026$104,156official

Bargaining status: Final 3% rise paid from Oct 2026; award expires 8 Oct 2027 with no further rise scheduled.

Moving up from Step 3

Steps either side of Step 3
StepAnnualDifferenceTake-home difference a fortnight
Step 2$99,889−$4,267−$111
Step 3$104,156——
Step 4$108,421+$4,265+$111

8 pay points: Steps 1-2 (Graduate), Steps 3-7 (Proficient), then Highly Accomplished/Lead. You move up one step after each year of service (203 days full-time) with a satisfactory Performance and Development process. Step 2 to Step 3 also needs confirmed Proficient accreditation from NESA. Step 7 to HA/Lead needs HA or Lead accreditation plus at least a year at Step 7. Pay depends on keeping your accreditation. A full-time graduate who reaches Proficient on time gets to Step 7 in about 6 years. On normal progression, Step 3 is about 2 years after the Step 1 graduate step; the top classroom step (Step 7, $133,422) usually takes about 6 years.

The same experience in other states

2 years past the graduate step in every state, current rates
StateStepAnnualTake-home a fortnight
NTCT3$105,369$3,110
ACTTL3$104,314$3,082
NSWStep 3$104,156$3,078
WALevel 2.3$103,568$3,063
QLDBand 2 Step 3$99,216$2,949
VIC1-3$98,175$2,922
TASBand 1 Level 7$94,208$2,819
SAStep 3$93,735$2,807

Matched by years of normal progression from each state's graduate step; capped at each state's top classroom step. Current payable rates only.

Free calculator

Should you be on a higher step?

If you have overseas, Catholic, independent, casual or industry experience, check whether it should put you above Step 3, and get a letter to HR drafted.

Check my pay step

Frequently asked questions

How much does a Step 3 teacher earn in NSW?
$104,156 a year from 9 October 2026, or about $3,992 a fortnight before tax.
What is Step 3 after tax?
About $3,078 a fortnight ($80,306 a year) on 2026–27 rates with no HELP debt, or $2,879 a fortnight with a HELP debt.
How much more is Step 4 than Step 3?
$4,265 a year before tax, about $111 a fortnight after tax.
When does Step 3 get a pay rise?
No further rise is scheduled in the data we hold. Final 3% rise paid from Oct 2026; award expires 8 Oct 2027 with no further rise scheduled.
How much super does a Step 3 teacher get?
12% employer super: about $12,499 a year at this salary. Default fund: Aware Super.
Am I on the right step?
Check your payslip against this table. If your experience should count for more, try our pay step checker or the payslip checker.

Sources we checked · last verified 2026-10-16

  1. 1.Crown Employees (Teachers in Schools and Related Employees) Salaries and Conditions Award 2024

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About this page

Written and fact-checked by the TeacherPay AU Editorial Team against the enterprise agreements, awards and official pages listed in the sources. It is general information, not personal financial, tax or legal advice. Spotted something out of date? Tell us and we'll fix it, usually within a day. See our editorial policy and how we calculate.