NZ PAYE Calculator

NZ PAYE calculator

Estimate New Zealand take-home pay for salary or wage scenarios across hourly, weekly, fortnightly, monthly, and annual views. The calculator is designed for quick planning and comparison, not for filing, payroll processing, or replacing official IRD guidance.

• Calculates take-home pay for the 2025–26 and 2026–27 New Zealand tax years
• Covers PAYE income tax, ACC earners' levy, KiwiSaver, student loan, and the Independent Earner Tax Credit
• Enter income per hour, week, fortnight, month, or year — see all five periods at once
• Shows your effective and marginal tax rates plus a bracket-by-bracket tax breakdown
• Everything runs in your browser — nothing is uploaded

Official source links

Source links were checked on 24 June 2026. Review the official pages before relying on an estimate for payroll, tax filing, or financial decisions.

• IRD tax rates for individuals
• ACC guide to levies if you work or own a business
• ACC levy calculation guidance

What this estimate includes

The calculator uses annualised estimates for a main job on tax code M or ME. It can include PAYE income tax, ACC earners' levy, KiwiSaver employee contributions, student loan deductions, and the Independent Earner Tax Credit when selected.

It does not cover secondary jobs, tailored tax codes, Working for Families, child support, special lump sum payments, employer superannuation contribution tax, or every payroll rounding rule from IRD's PAYE tables.

Useful checks

• Compare a $60,000, $80,000, or $120,000 annual salary with and without KiwiSaver
• Switch from annual to hourly input to estimate a wage offer at 40 hours per week
• Turn student loan deductions on to see the effect above the repayment threshold
• Use the bracket table to see which parts of income are taxed at each marginal rate