New Zealand · net pay after deductions
NZ Take-Home Pay Calculator
See exactly what’s left after tax. Enter your gross salary or wage and this calculator shows your take-home pay with PAYE, ACC, KiwiSaver and student loan removed.
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.
Gross pay vs take-home pay
Your gross pay is the salary or wage your employer agrees to pay you. Your take-home pay is what’s left after PAYE income tax, the ACC levy, KiwiSaver and any student loan have come out. This New Zealand take-home pay calculator does that maths for you and shows the result per year, month, fortnight, week or hour — so you can see exactly what hits your bank account.
What gets deducted from your pay
Four standard deductions sit between gross and net for most employees:
- PAYE income tax — worked out across the IRD tax brackets at your tax rate.
- ACC earner’s levy — 1.75% of your gross pay for the 2026/27 year, on earnings up to $156,641.
- KiwiSaver — your employee contribution (3%, the 3.5% default, 4%, 6%, 8% or 10%); your employer adds at least 3.5% on top.
- Student loan — a 12% repayment on income over the $24,128 threshold when you use an SL tax code.
How much tax comes out of your salary?
New Zealand’s income tax is progressive and has no tax-free threshold, so PAYE applies from the first dollar. Only the slice of income inside each band is taxed at that rate. For the full table and tax-code detail, see the income tax calculator.
| 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% |
Second job and secondary income
If you have a second job, that income is taxed on a secondary tax code based on your combined earnings. Use the secondary tax calculator to get the right code and avoid a bill at the end of the year.
Take-home pay on common NZ salaries (2026/27)
Here’s the take-home pay on a range of salaries, after PAYE income tax and the ACC levy, with the Independent Earner Tax Credit applied where it’s due. Figures are before KiwiSaver and student loan — add your KiwiSaver contribution rate and any student loan repayment in the calculator above for your exact net pay.
| Annual salary | Income tax | ACC levy | Take-home (year) | Per week |
|---|---|---|---|---|
| $40,000 | $5,388 | $700 | $33,912 | $652 |
| $50,000 | $7,138 | $875 | $41,987 | $807 |
| $60,000 | $9,700 | $1,050 | $49,250 | $947 |
| $70,000 | $13,220 | $1,225 | $55,554 | $1,068 |
| $80,000 | $16,278 | $1,400 | $62,322 | $1,199 |
| $100,000 | $22,878 | $1,750 | $75,372 | $1,449 |
| $120,000 | $29,478 | $2,100 | $88,422 | $1,700 |
A KiwiSaver contribution of 3.5% reduces these weekly figures further, while your employer adds 3.5% on top into your KiwiSaver account. Use the tool to see the full deduction breakdown for your own salary or wage.
How to use this take-home pay calculator
Enter your wage or salary, choose how often you get paid, and the calculator will estimate your take-home pay automatically. It shows a clear breakdown — your gross pay, PAYE tax, the ACC levy (which funds accident compensation), KiwiSaver and student loan deductions — and a summary of your net pay for each payday. Switch the view to see your salary after tax weekly, fortnightly, monthly or for the whole year.
If you’re comparing a job offer or a pay rise, it’s the fastest way to work out your real take-home pay in New Zealand rather than the headline NZ salary. The figures use current IRD PAYE tax rates, so your payroll deductions line up closely with what your employer withholds. Tick student loan to add the 12% you repay over the threshold, set your KiwiSaver contribution rate, and the tool will calculate your take-home pay and student loan repayments for you.
Your take home pay, calculated
To calculate your take home pay, the calculator works out each PAYE deduction and gives you a tax breakdown plus the final payment that lands in your account. It’s a simple way to calculate your take-home pay and your student loan repayments before payday, and to see what you keep at the end of the tax year. Adjust your KiwiSaver to reduce or increase your contribution and watch the weekly payment change — handy for planning savings around your employment and your NZ salary. These payroll figures use the current PAYE tax rate, and the calculation matches the IRD PAYE calculator closely.
Take home pay in New Zealand: a quick guide
Your take home pay is your salary minus the tax and deductions taken under New Zealand’s income tax system. This take home pay calculator — effectively a PAYE calculator NZ and NZ salary calculator in one — adds up your income tax, the ACC levy, KiwiSaver and student loan to show the take home pay you actually receive. Compared with the 2025-2026 year, the income tax brackets are unchanged, but KiwiSaver and the ACC levy both rose, so your take home pay is slightly lower on the same salary.
For the most accurate result, set your KiwiSaver contribution and check your IETC entitlement, then calculate your take home pay for the period you’re paid. Whether you earn a salary or an hourly wage, the calculator shows the same clear breakdown — helping you budget, plan savings and compare roles. For the tax-only view see our income tax calculator, or the main PAYE calculator for everything together.
Frequently asked questions
Does this take-home pay calculator include KiwiSaver deductions?
Yes — pick your KiwiSaver rate and the employee contribution is removed from your gross pay, while the employer contribution is shown separately on top.
How is the ACC levy calculated in my pay?
For 2026/27 the ACC earner’s levy is 1.75% of gross earnings up to $156,641, deducted through PAYE alongside your income tax.
Can I work out take-home pay as a casual worker?
Yes. Enter your usual gross pay for the period you’re paid; the calculator applies the same PAYE, ACC, KiwiSaver and student loan rules. Casual and part-time pay is taxed the same way as salaried pay.
How do I find my tax code?
Your tax code depends on whether the job is your main or second income and whether you have a student loan. Common main-job codes are M, ME and M SL; IRD has a tax code finder, or use our secondary tax calculator for a second job.
Why is my take-home pay different from the IRD calculator?
It’s usually very close. Small differences come from per-pay rounding in the official IRD PAYE tables and from individual tax-code details.