New Zealand · hourly rate to take-home
NZ Hourly Pay Calculator
Enter your hourly rate and usual hours, and see your real take-home pay after PAYE, ACC, KiwiSaver and student loan — per hour, week, month or year.
Type your gross pay, then choose the period below.
IETC adds up to $520/yr for income $24,000–$70,000 on an M/ME tax code, if you don’t get Working for Families, a benefit or NZ Super.
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 (on top)
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.
Turn your hourly rate into take-home pay
This hourly pay calculator converts your hourly rate into an annual salary and then into real take-home pay. Enter your rate and your usual hours per week, and it works out PAYE income tax, the ACC levy, KiwiSaver and any student loan — then shows the result per hour, week, fortnight, month or year. It’s the quickest way to see what a wage or hourly contract is actually worth in New Zealand.
Hourly rate to annual salary
To get an annual salary from an hourly wage, the calculator multiplies your hourly rate by your hours per week and by 52 weeks. For example, $30 an hour at 40 hours a week is an annual salary of $62,400 before tax. From there it applies the same IRD tax rate, ACC levy and KiwiSaver contribution as a salaried worker to find your net pay.
Casual, part-time and shift workers
Casual and part-time pay is taxed the same way as a salary — there’s no separate hourly tax rate. If your hours change week to week, enter a typical week to estimate your take-home, or switch the result to “Week” to see a single pay period. Use the hours-per-week field to match your real roster.
What’s deducted from an hourly wage
Whatever your hourly rate, the same deductions apply: PAYE income tax across the brackets, the 1.75% ACC earner’s levy, your KiwiSaver contribution (employee rate, with the employer adding 3.5% on top), and a 12% student loan repayment over $24,128 if you have an SL tax code.
| 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% |
Minimum wage check
If you’re on or near the minimum wage, this calculator shows how much of it you keep after tax. Want the full salary view instead? See the take-home pay calculator, or the main PAYE calculator for everything in one place.
Hourly rate to take-home pay (40 hours/week)
This table shows the annual salary and take-home pay for common hourly rates at 40 hours a week, after PAYE income tax and the ACC levy. Change your hours per week in the calculator to match your roster, and add KiwiSaver or a student loan for your exact net wage.
| Hourly rate | Annual salary | Take-home (year) | Per week |
|---|---|---|---|
| $25/hr | $52,000 | $43,602 | $838 |
| $30/hr | $62,400 | $50,888 | $979 |
| $35/hr | $72,800 | $57,466 | $1,105 |
| $40/hr | $83,200 | $64,410 | $1,239 |
| $50/hr | $104,000 | $77,982 | $1,500 |
Hourly rate, salary and take-home pay for Kiwis
This hourly pay calculator doubles as a rate calculator and salary calculator: enter your pay rate and the number of hours you work, and it converts a gross salary into net pay after PAYE. It’s built for Kiwis who are paid by the hour and want to calculate their take-home pay, not just an annual figure — use it like an NZ salary calculator in reverse, from an hourly wage to a yearly gross salary.
The breakdown includes PAYE tax, the ACC levy, KiwiSaver and any student loan deductions, and you can view your net pay after PAYE weekly, fortnightly, monthly or yearly. If you have a second job, your secondary income is taxed separately. The median wage is a useful benchmark when you compare an hourly wage or wage rate against a gross salary. Need GST or the income tax brackets? Our other calculators cover those.
From an hourly rate to take home pay
To calculate your take home pay from an hourly rate, the tool annualises your wage or salary, applies each payroll deduction and shows the final take home figure. Whether you call it a salary or wage, the calculation is the same: PAYE on your earnings, the ACC accident compensation levy, KiwiSaver at your contribution rate, and the student loan repayments you repay over the threshold. Use it as a quick tax calculator and salary calculator nz when you compare an hourly wage against a gross salary, and check your net pay at the end of the tax year. It works as a New Zealand PAYE calculator for anyone paid by the hour.
Frequently asked questions
How do I calculate take-home pay from an hourly rate?
Choose “Hour” as your pay period, enter your hourly rate and hours per week, and the calculator annualises it before applying PAYE, ACC, KiwiSaver and any student loan. You can then view the result per hour, week, month or year.
How many hours per week should I enter?
Enter your usual weekly hours. Full-time is typically 40; for casual or part-time work, use a typical week. The hours-per-week figure drives the conversion between your hourly rate and annual salary.
Is hourly pay taxed differently from a salary?
No. There’s no separate hourly tax rate — your hourly earnings are annualised and taxed on the same IRD brackets, ACC levy and KiwiSaver rules as salaried pay.
Does it include KiwiSaver and student loan on an hourly wage?
Yes — set your KiwiSaver rate and tick student loan, and both are deducted from your hourly earnings just as they would be from a salary.
Can casual workers use this calculator?
Yes. Casual and part-time workers are taxed the same as salaried staff; enter a typical week’s hours and rate to estimate your take-home pay.