Salary Calculator New Zealand
Find your take-home pay after PAYE income tax and the ACC earners’ levy for the 2026 to 2027 tax year. Enter a yearly, monthly, weekly, daily or hourly amount, or work backwards from the take-home pay you want. It runs in your browser, so nothing you type is sent anywhere.
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How to use it
- 1
Enter your pay
Type your gross pay before tax, and choose how often you are paid.
- 2
Add options if you need them
Set your work schedule, a bonus or your yearly KiwiSaver contributions, or tick the box to work backwards from take-home pay.
- 3
Read the breakdown
See take-home pay for every pay period, PAYE, the ACC levy and your tax rates.
Questions about salary calculator new zealand
Which tax year does it use?
The 2026 to 2027 tax year, from 1 April 2026 to 31 March 2027, with the resident rates Inland Revenue lists as current.
How is KiwiSaver treated?
KiwiSaver is taken from your pay after tax, so it lowers your take-home pay but not your PAYE. Enter your yearly contribution; for example, 3.5 percent of $70,000 is $2,450.
What does it leave out?
It assumes a resident employee on the main tax code with no other income. Student loan repayments, secondary tax codes and Working for Families are not included, so your payslip may differ.
How does working backwards work?
Tick "Work backwards from my take-home pay", enter the amount you want to receive in any pay period, and it finds the gross pay that leaves that amount after tax and deductions.
Is my information sent anywhere?
No. Everything is worked out on your device.
What comes off a New Zealand salary
Resident income tax is 10.5 percent on the first $15,600, 17.5 percent up to $53,500, 30 percent up to $78,100, 33 percent up to $180,000 and 39 percent above that. The ACC earners’ levy takes 1.75 percent of earnings up to $156,641, which is at most $2,741.22 a year.
KiwiSaver is taken from your pay after tax, so it lowers your take-home pay but not your PAYE. Enter your yearly contribution under More options; for example, 3.5 percent of $70,000 is $2,450.
Example take-home pay in New Zealand
These figures are for the 2026 to 2027 tax year, rounded to the nearest dollar, for a resident on the main tax code with no KiwiSaver, student loan or other income. They come from the same calculation the tool uses.
| Gross pay per year | Income tax | Other deductions | Take-home per year | Take-home per month |
|---|---|---|---|---|
| 40,000 | 5,908 | 700 | 33,392 | 2,783 |
| 60,000 | 10,221 | 1,050 | 48,730 | 4,061 |
| 80,000 | 16,278 | 1,400 | 62,323 | 5,194 |
| 100,000 | 22,878 | 1,750 | 75,373 | 6,281 |
| 150,000 | 39,378 | 2,625 | 107,998 | 9,000 |