Pay & tax
New Zealand take-home pay calculator
Enter your salary, plus any bonus, overtime, KiwiSaver rate or student loan, to see your take-home pay per day, week, month and year.
How it works
Your take-home pay starts with your gross pay — salary plus any bonus or overtime. PAYE income tax is calculated on this full amount using marginal brackets; a KiwiSaver contribution does not reduce the amount tax is calculated on. The ACC earner’s levy is charged separately, up to a maximum yearly earnings cap. If you have a student loan, 12% of everything above the repayment threshold is deducted. KiwiSaver is then deducted from what is left, calculated as a percentage of your gross pay.
Frequently asked questions
Does KiwiSaver reduce my income tax?
No. PAYE tax is calculated on your full gross pay. Your KiwiSaver contribution is worked out as a percentage of that same gross pay, then deducted afterwards from your net, after-tax pay.
What is the Independent Earner Tax Credit?
A tax credit of up to $520 a year for people earning between $24,000 and $70,000 who are not receiving Working for Families, an income-tested benefit, NZ Super or a Veteran’s Pension. It is reduced gradually for income between $66,000 and $70,000. This tool applies it automatically based on your income and assumes you are otherwise eligible.
Is student loan repayment the same rate for everyone?
Yes. It is a flat 12% of everything you earn above the repayment threshold from your main job, unlike some other countries which use a stepped scale.
Does my employer’s KiwiSaver contribution appear here?
No. The minimum 3% employer contribution is paid on top of your salary and does not reduce your take-home pay, so it is not shown as a deduction.
How accurate is this calculator?
It uses published PAYE, ACC, student loan and Independent Earner Tax Credit rates for the current tax year. It does not include secondary tax codes or other individual circumstances, so this is a planning estimate rather than a payslip.
Method: published New Zealand 2025–26 tax year rates. This is an estimate, not tax advice. How our calculators work.