Pay & tax
New Zealand take-home pay calculator (2026–27)
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
The breakdown shows PAYE income tax, the ACC levy, and any KiwiSaver or student loan deductions. KiwiSaver is calculated from gross pay and deducted after tax. The daily, weekly and monthly figures are averages based on the annual estimate.
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 usual minimum 3.5% employer contribution is paid on top of your salary and does not reduce your take-home pay under a standard arrangement, so it is not shown as a deduction. A temporary approved reduction can allow 3%.
How accurate is this calculator?
It uses published PAYE, ACC, student loan and Independent Earner Tax Credit rates for 2026–27. 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 2026–27 tax year rates. This is an estimate, not tax advice. How our calculators work.