New Zealand Take-Home Pay Calculator
New Zealand
Salary after PAYE, ACC levy and KiwiSaver
See what a New Zealand salary or hourly rate pays per fortnight, month and week after PAYE income tax, the ACC earners’ levy, your KiwiSaver rate and student loan repayments. 2026-27 Inland Revenue rates.
New Zealand take-home pay calculator
Your pay
Gross: $80,000/yr. 2026-27 PAYE brackets + ACC earners' levy 1.75%. Employer KiwiSaver (3%) is paid on top of salary.
Annual take-home pay
$59,523
After PAYE, ACC levy and KiwiSaver
Fortnightly take-home
$2,289.33
Most NZ employers pay fortnightly
Monthly take-home
$4,960.21
Weekly take-home
$1,144.66
Effective tax rate
22.1%
Breakdown
Gross salary
$80,000
Income tax (PAYE)
$16,278
ACC earners' levy
$1,400
KiwiSaver (employee)
$2,800
Assumptions
Uses the 2026-27 income tax brackets and ACC earners' levy (capped at the maximum liable earnings). Assumes a primary M tax code with no secondary income, and excludes the Independent Earner Tax Credit, Working for Families, and ESCT on employer KiwiSaver. Student loan repayments use the standard 12% above the annual threshold. Check your payslip or Inland Revenue for exact figures.
How NZ pay is taxed
PAYE (pay as you earn) takes income tax out of every pay using the national brackets: 10.5% on the first $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000 and 39% above. Only the income inside each band is taxed at that band's rate, so someone on $80,000 has a top rate of 33% but an effective rate of about 21%. The ACC earners' levy of 1.67% is deducted alongside it and funds New Zealand's no-fault accident cover. KiwiSaver and student loan repayments are the two optional deductions that sit on top — and they are what make two people on the same salary see quite different fortnightly amounts.
Worked example: $80,000 salary
Income tax: 10.5% on $15,600 ($1,638) + 17.5% on $37,900 ($6,633) + 30% on $24,600 ($7,380) + 33% on $1,900 ($627) = $16,278. ACC levy: 1.75% of $80,000 = $1,400. Take-home before KiwiSaver ≈ $62,322, or about $2,400 a fortnight. Add 3.5% KiwiSaver ($2,800) and the fortnightly figure drops to roughly $2,290 — while $2,400 of employer contribution goes into your KiwiSaver account on top. Enter your own numbers above for the exact split.
Salary or hourly
Use Salary for an annual figure, or Hourly to enter your rate and weekly hours and see what you keep per hour — handy for comparing a casual or contract rate against a salaried offer, since casual rates usually include an 8% holiday pay loading that salaried roles deliver as leave instead.
Limitations & disclaimer
An estimate using 2026-27 brackets and the ACC levy capped at the maximum liable earnings, for a main job on the M tax code. It excludes the Independent Earner Tax Credit, Working for Families payments, secondary-income tax codes, ESCT on employer KiwiSaver, and child support. Confirm with your payslip or myIR. Not financial advice.
FAQs
How is take-home pay calculated in New Zealand?
Gross pay minus PAYE income tax (the national brackets), the ACC earners’ levy (1.75%), your KiwiSaver contribution if enrolled, and student loan repayments if you have one. There is no separate social security tax and no regional income tax.
What is the take-home pay on $80,000 in NZ?
Roughly $62,300 a year after PAYE and ACC (2026-27 rates) — about $2,400 a fortnight — before KiwiSaver. With 3.5% KiwiSaver it is around $59,500.
Does KiwiSaver come out of my pay?
Yes — your chosen rate (3%, 3.5%, 4%, 6%, 8% or 10%) is deducted from gross pay. Your employer adds a separate 3% contribution on top of your salary, which is not shown as a deduction (though employer superannuation contribution tax is taken from it).
How much student loan do I repay?
12% of everything you earn above the annual repayment threshold ($24,128, unchanged for 2026-27), deducted through PAYE with the SL tax code. Earn below the threshold and nothing is deducted.
Why is my second job taxed more?
Secondary income uses a flat-rate tax code (S, SH, ST or SA) based on your total income, so the whole second wage is taxed at your top bracket rather than from the bottom up. This calculator models a single main job on the M code.