New Zealand · net pay after deductions
NZ Take-Home Pay Calculator
See what’s left after tax. Enter your gross salary or wage and this calculator shows your take-home pay with PAYE, ACC, KiwiSaver and student loan removed.
Type your gross pay, then choose the period below.
I worked for this employer for all of last tax year (affects ESCT)
Enter this only if you worked for this employer for the whole previous tax year. We add the statutory minimum 3% employer contribution that applied in 2025/26; if they contributed more, your ESCT rate may differ. Leave it blank if you joined during or after that year — IRD then uses an estimate based on this year’s pay.
Off by default. IETC adds up to $520/yr on income of $24,000–$70,000, abating 13c in the dollar above $66,000. You cannot claim it for any period you received Working for Families, an income-tested benefit, NZ Super, a veteran’s pension or an overseas equivalent — tick it only if none of those apply.
Your take-home pay
per year
- Gross pay
- PAYE income tax
- — incl. IETC credit
- ACC earner’s levy
- KiwiSaver (you)
- Student loan
- Take-home pay
- Employer KiwiSaver (gross, on top)
- — less ESCT (—)
- — into your KiwiSaver account
Indicative only, based on 2026/27 rates published by Inland Revenue (IRD). Not tax advice. Your actual PAYE is calculated by your employer using the IRD PAYE tables.
Gross pay vs take-home pay
Your gross pay is the salary or wage your employer agrees to pay you. Your take-home pay — your pay after PAYE — is what’s left after PAYE income tax, the ACC levy, KiwiSaver and any student loan have come out. This New Zealand take-home pay calculator does that maths for you and shows the result per year, month, fortnight, week or hour — so you can see what should hit your bank account.
What gets deducted: PAYE income tax, KiwiSaver, ACC and student loan
Four standard deductions sit between gross and net for most employees:
- PAYE income tax — worked out across the IRD tax brackets at your tax rate.
- ACC earner’s levy — 1.75% of your gross pay for the 2026/27 year (1 April 2026 – 31 March 2027), on earnings up to $156,641.
- KiwiSaver — your employee contribution (3%, the 3.5% default, 4%, 6%, 8% or 10%); your employer adds at least 3.5% on top.
- Student loan — a 12% repayment on income over the $24,128 threshold when you use an SL tax code.
Salary after tax: the NZ tax brackets
New Zealand’s income tax is progressive and has no tax-free threshold, so PAYE applies from the first dollar. Only the slice of income inside each band is taxed at that rate. For the full table and tax-code detail, see the income tax calculator.
| Taxable income | Tax rate |
|---|---|
| $0 – $15,600 | 10.5% |
| $15,601 – $53,500 | 17.5% |
| $53,501 – $78,100 | 30% |
| $78,101 – $180,000 | 33% |
| $180,001 and over | 39% |
Second job and secondary income
If you have a second job, that income is taxed on a secondary tax code based on your combined earnings. Use the secondary tax calculator to get the right code and avoid a bill at the end of the year.
Take-home pay on common NZ salaries (2026/27)
Here’s the take-home pay on a range of salaries, after PAYE income tax and the ACC levy, with the Independent Earner Tax Credit applied where it’s due. The range covers pay either side of the New Zealand median full-time income, so you can see where your salary sits. Figures are before KiwiSaver and student loan — add your KiwiSaver contribution rate and any student loan repayment in the calculator above for a closer estimate of your net pay.
| Annual salary | Income tax | ACC levy | Take-home (year) | Per week |
|---|---|---|---|---|
| $40,000 | $5,388 | $700 | $33,912 | $652 |
| $50,000 | $7,138 | $875 | $41,987 | $807 |
| $60,000 | $9,700 | $1,050 | $49,250 | $947 |
| $70,000 | $13,220 | $1,225 | $55,554 | $1,068 |
| $80,000 | $16,278 | $1,400 | $62,322 | $1,199 |
| $100,000 | $22,878 | $1,750 | $75,372 | $1,449 |
| $120,000 | $29,478 | $2,100 | $88,422 | $1,700 |
A KiwiSaver contribution of 3.5% reduces these weekly figures further, while your employer adds 3.5% on top into your KiwiSaver account. Use the tool to see the full deduction breakdown for your own salary or wage.
How to use this take-home pay calculator
Enter your wage or salary, choose how often you get paid, and the calculator will estimate your take-home pay automatically. It shows a clear breakdown — your gross pay, PAYE tax, the ACC levy (which funds accident compensation), KiwiSaver and student loan deductions — and a summary of your net pay for each payday. Switch the view to see your salary after tax weekly, fortnightly, monthly or for the whole year.
If you’re comparing a job offer or a pay rise, it’s the fastest way to work out your real take-home pay in New Zealand rather than the headline NZ salary. The figures use current IRD PAYE tax rates, so your payroll deductions line up closely with what your employer withholds. Tick student loan to add the 12% you repay over the threshold, set your KiwiSaver contribution rate, and the tool will calculate your take-home pay and student loan repayments for you.
Summary: payroll breakdown and savings
Your take home pay is your salary minus what comes out under the New Zealand tax system. This tool — effectively an NZ paye calculator and NZ salary calculator in one — gives you the payroll summary in one view: income tax, levy, KiwiSaver and student loan, then the net payment that lands in your account. Compared with the 2025-2026 year the brackets are unchanged, but the levy and default KiwiSaver rate both rose. IETC is included only when you meet the eligibility conditions and select the option above. Leave it off if you are unsure whether you qualify. For the tax-only view see our income tax calculator.
Frequently asked questions
Does this take-home pay calculator include KiwiSaver deductions?
Yes — pick your KiwiSaver rate and the employee contribution is removed from your gross pay, while the employer contribution is shown separately on top.
How is the ACC levy calculated in my pay?
For 2026/27 the ACC earner’s levy is 1.75% of gross earnings up to $156,641, deducted through PAYE alongside your income tax.
Can I work out take-home pay as a casual worker?
Yes. Enter your usual gross pay for the period you’re paid; the calculator applies the same PAYE, ACC, KiwiSaver and student loan rules. Casual and part-time pay is taxed the same way as salaried pay.
How do I find my tax code?
Your tax code depends on whether the job is your main or second income and whether you have a student loan. Common main-job codes are M, ME and M SL; IRD has a tax code finder, or use our secondary tax calculator for a second job.
Why is my take-home pay different from the IRD calculator?
It’s usually very close. Small differences come from per-pay rounding in the official IRD PAYE tables and from individual tax-code details.