Calculators · New Zealand
Free NZ PAYE calculator for take-home pay, tax, ACC levy, KiwiSaver and student loan deductions
Ahrefs Domain Rating set in type 3 Nov 2026, reset 1 Nov 2026.
A free online calculator that estimates your net salary after New Zealand income tax, ACC levies, KiwiSaver contributions and student loan repayments using
NZ PAYE Calculator is a free, no-signup tool for calculating your exact take-home pay in New Zealand. It applies the latest Inland Revenue tax brackets (10.5% to 39% across five bands), the 1.75% ACC earner's levy, KiwiSaver contributions at 3.5% to 10%, and student loan repayments above the $24,128 threshold. The calculator also includes the Independent Earner Tax Credit for incomes between $24,000–$70,000. It supports annual, monthly, fortnightly and weekly salary calculations and provides detailed breakdowns of PAYE tax, effective tax rates, and marginal rates. All rates and thresholds are sourced directly from Inland Revenue and updated on an ongoing basis.
Pricing model: Free
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Ahrefs Domain Rating set in type 3 Nov 2026, reset 1 Nov 2026. Lead topic: Computers/Software/Operating Systems (5). Majestic set 1 Nov 2026, reset 1 Nov 2026. Link data typeset by Majestic. Trust Flow, Citation Flow and Topical Trust Flow are trademarks of Majestic-12 Ltd.
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Measured after NZ PAYE Calculator 2026/27 went live on Zivaro Launch on 1 November 2026.
Day 2 since launch. Next receipt: day 30, 1 Dec 2026. These are measurements, not proof of cause: many things move these numbers. Figures we have not measured are left out.
You may be eligible if your annual income is between $24,000 and $70,000, and you don't receive Working for Families tax credits, an income-tested benefit, NZ Super, or a veteran's pension. The credit is worth up to $520 per year and reduces between $66,000–$70,000.
The student loan repayment threshold is $24,128 per year for 2026/27, unchanged from the previous year. Income above this threshold is repaid at 12%.
No. KiwiSaver contributions are deducted from your pay after PAYE income tax is calculated — they do not reduce your taxable income the way a pre-tax retirement contribution might in some other countries.
Your marginal tax rate is the rate applied to your next dollar earned. Your effective tax rate is your total tax paid divided by your total income — always lower than the marginal rate because lower brackets are taxed at lower rates first.
Five bands apply: 10.5% up to $15,600, 17.5% up to $53,500, 30% up to $78,100, 33% up to $180,000, and 39% above $180,000. These are unchanged from the 2025-26 tax year.
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NZ PAYE Calculator 2026/27 has a free listing. The owner can unlock the full profile with a paid launch for $5:
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