A Moneybren tool
NZ PAYE CALCULATOR
What actually lands in your bank account? For NZ employees — 2026/27 rates.
$
Where your pay goes
Per year · 2026/27 rates from 1 April 2026
Your take-home pay
$0
Monthly$0
Fortnightly$0
Weekly$0
Hourly$0
This is not tax advice. This calculator assumes a standard M tax code for a single job, spread evenly over the year. It excludes Working for Families, other tax credits, secondary tax, extra student loan deductions, and payroll giving. Your employer also contributes 3.5% to KiwiSaver on top of your pay — not shown here, since it doesn't come out of your pocket. Contact IRD or an accountant for an accurate assessment.
How to use this calculator
Enter your salary (annual, monthly, fortnightly, weekly, or hourly), pick your KiwiSaver rate, and say whether you have a student loan. The calculator shows exactly what comes out of your pay — income tax at each bracket, the ACC earner's levy, KiwiSaver, and student loan repayments — and what's left over.
From 1 April 2026 the default KiwiSaver rate is 3.5%, the ACC levy is 1.75% (capped at $156,641 of earnings), and student loan repayments are 12% of income over $24,128.
This is a tool only, and none of the information it produces is financial advice. Its accuracy is not guaranteed. Always check your own figures and get advice from your own financial professionals before making decisions.