New Zealand calculators
New Zealand
All New Zealand calculators
Take-home pay after PAYE, the ACC earners’ levy, KiwiSaver and student loan repayments — using current Inland Revenue rates.
About these calculators
New Zealand's PAYE system is simpler than most: one set of national tax brackets, no state or regional tax, and no separate social security contribution — just the small ACC earners' levy that funds accident cover. What trips people up is everything bundled into the same deduction line: KiwiSaver (your chosen 3%–10%), student loan repayments (12% above the threshold), and the way the brackets changed in 2024 and again for 2025-26. The take-home pay calculator separates each item so you can see exactly what a salary or hourly rate pays per fortnight — the pay cycle most New Zealand employers use — and what changes if you adjust your KiwiSaver rate.
New Zealand calculators — common questions
What are the NZ tax brackets? From 1 April 2025: 10.5% to $15,600; 17.5% to $53,500; 30% to $78,100; 33% to $180,000; 39% above. Only the income inside each band is taxed at that rate.
What is the ACC earners' levy? A 1.75% levy on earnings (capped at the maximum liable earnings) that funds no-fault accident insurance for everyone in New Zealand. It is deducted alongside PAYE.
Is KiwiSaver compulsory? No, but new employees are auto-enrolled and must opt out within the first 8 weeks. The default employee rate rises to 3.5% from April 2026 (4% from 2028); your employer contributes 3% on top of your salary.
Which tax code should I use? M is the standard code for your main job with no student loan; M SL if you have one. Secondary jobs use S/SH/ST codes at a flat rate — the calculator assumes your main job only.