New Zealand pay and tax calculators

Every calculator for pay in New Zealand, worked out from Inland Revenue's 2026–27 rules with every step shown.

Take-home pay

Take-home pay calculatorNet pay after PAYE, student loan and KiwiSaver, with a bonus Hourly wage calculatorWhat an hour of work leaves you Pay rise calculatorWhat a rise adds to your take-home Reverse salary calculatorThe gross salary for the take-home you want Compare salariesTwo job offers side by side

Tax and salaries

Tax rates — Income tax, the IETC, the ACC earners' levy, student loan and KiwiSaver

Questions

Common questions

How is income tax worked out in New Zealand?

There is no tax-free allowance: income tax starts at 10.5% on the first dollar and rises through the scale's bands to 39% on income over $180,000. The ACC earners' levy of 1.75%, on earnings up to $156,641, is collected with it, and the two together are your PAYE.

What is the independent earner tax credit?

A credit of $520 a year that comes off your PAYE on an ME tax code, for income from $24,000 to $66,000. Above that it reduces until it reaches nothing at $70,000.

Rules v2026.0 · checked against Inland Revenue on 17 September 2026Two independent checks on every rate · 102 hand-derived New Zealand cases, beside 1,703 generated Single official source: four rounding steps are stated only in Inland Revenue's payroll calculations and business rules specification, and the per-pay ACC earners' levy maximums and the 3-weekly student loan threshold only in its employer's guide (IR335). A second source is being sought, and they are reviewed again by 21 January 2027. · Changelog

SourcesInland Revenue, Tax rates for individuals, 'Income tax rates' table 'From 1 April 2025'Inland Revenue, Payroll Calculations & Business Rules Specification 2026-27, sections 2.1 and 5.2 Inland Revenue, IR335 Employer's guide (September 2026), '2027 pay period repayment thresholds for main SL tax codes'Inland Revenue, IR340 April 2026, 2027 Weekly and fortnightly PAYE deduction tables, pages 3 and 4

MyNetIncome gives estimates, not tax or financial advice. Figures follow Inland Revenue's rules for the 2026–27 tax year; your payslip can differ because of your tax code, your pay dates or deductions this page does not ask about. Not affiliated with or endorsed by Inland Revenue.Estimates, not tax or financial advice. Your payslip can differ. Not affiliated with Inland Revenue.