New Zealand PAYE, salary & wage calculator
Work out your take-home pay in New Zealand — whether you're paid hourly, weekly, fortnightly, monthly, or on an annual salary. This free tax calculator uses official IRD income tax brackets for the 2025/26 tax year, plus ACC earners' levy (1.67%), optional KiwiSaver, and student loan repayments above $24,128 per year.
Compare job offers, model a pay rise, add overtime, or sweep every KiwiSaver rate — all in one place. Built for Kiwis moving jobs, negotiating salary, or budgeting on a new wage.
NZ income tax rates (2025/26)
| Taxable income (annual) | Rate |
|---|---|
| $1 – $15,600 | 10.5% |
| $15,601 – $53,500 | 17.5% |
| $53,501 – $78,100 | 30.0% |
| $78,101 – $180,000 | 33.0% |
| Over $180,000 | 39.0% |
Frequently asked questions
How do I calculate my take-home pay in New Zealand?▾
Enter your gross salary (before tax) and choose your pay period — hourly, weekly, fortnightly, monthly, or annual. MyNZ applies official IRD progressive tax brackets, ACC earners levy, and optional KiwiSaver and student loan deductions to estimate your net pay.
What is PAYE in New Zealand?▾
PAYE (Pay As You Earn) is the system employers use to deduct income tax from your wages. It uses progressive tax rates so higher income is taxed at higher marginal rates. PAYE withholding also typically includes ACC earners levy.
What are the NZ income tax rates for 2025/26?▾
For the tax year 1 April 2025 to 31 March 2026: 10.5% up to $15,600, 17.5% from $15,601 to $53,500, 30% from $53,501 to $78,100, 33% from $78,101 to $180,000, and 39% on income over $180,000.
How much is ACC levy on my salary?▾
The ACC earners levy for 2025/26 is 1.67% of liable earnings, capped at $152,790 of income per year (maximum levy about $2,552).
When do student loan repayments start in NZ?▾
For your main job, you repay 12% of income above $24,128 per year (about $464 per week). For secondary employment, repayments are 12% of all gross pay with no threshold.
How does KiwiSaver affect my take-home pay?▾
KiwiSaver contributions are deducted from your gross pay before you receive it. Common rates are 3%, 3.5%, 4%, 6%, 8%, or 10%. A higher contribution means lower take-home pay but more retirement savings.
What is the difference between gross and net salary?▾
Gross salary is your pay before deductions. Net salary (take-home pay) is what lands in your bank account after PAYE tax, ACC, KiwiSaver, student loan, and any other payroll deductions.
Can I compare two job offers after tax?▾
Yes. Use the Job Compare scenario on MyNZ to enter a second salary and instantly see the difference in annual gross, take-home pay, and effective tax rate side by side.
More NZ essentials on MyNZ
Estimates are indicative only. For official guidance see IRD tax rates. Return to MyNZ home.